Monday, January 2, 2017College should be considered a lifetime investment rather than just a four-year expense. It requires financial planning and personal sacrifices. The earlier you start saving and investing, the less money you will have to save and invest later. READ MORE >>
Monday, January 2, 2017Many employers allow their employees to contribute to an annuity program. This becomes an investment option in a salary reduction retirement plan. Under this plan your current taxable salary is reduced and in addition it accumulates tax-deferred earnings. Some companies have added annuities to their retirement list. READ MORE >>
Monday, January 2, 2017Variable annuities offer more choices than fixed or guaranteed annuities. Some of the things they offer that are not the same as a fixed annuity are, tax deferred earnings, a choice of payouts, plus the opportunity to make unlimited contributions if the annuity is nonqualified. READ MORE >>
Monday, January 2, 2017Diversifying among different types of investments is important. It can also play a large role in the return you can expect. In fact, how you allocate your investments among asset classes (stocks, bonds, mutual funds, etc.) may be the most important factor, by a significant margin, in determining portfolio performance. READ MORE >>
Monday, January 2, 2017When you start organizing your portfolio you will want to consider how you will be spending your money after you retire. Some money will be deposited directly into your checking account; such as Social Security where as other income could be less predictable. READ MORE >>
Monday, January 2, 2017Bonds are essentially loans to a corporation or the government. Bonds are often referred to as income investments because, in return for the use of your money, the bond’s issuer agrees to pay a certain rate of interest at regular intervals for a set period until the bond matures or the principal is otherwise repaid. READ MORE >>
Monday, January 2, 2017Often, some of the best real estate investments may be those you make on your own, such as purchasing your own home, vacation properties or investment properties ranging from vacant land to apartment buildings and office buildings. But, real estate investments are also available through the financial markets. READ MORE >>
Monday, January 2, 2017No matter what type of investor you are, it is important to keep your plan on track. Revisit your asset allocation periodically (every year or two, depending on market conditions) and see whether it needs adjustment. You should also periodically re-examine your risk tolerance and investment profile, especially as you get closer to your goal. READ MORE >>
Monday, January 2, 2017All investments involve a trade-off between risk and return. A certain amount of risk is inevitable if you want the potential for your money to grow. The key is determining how much risk you feel comfortable with. Know Your Risk Tolerance Are you uncomfortable with change? READ MORE >>
Monday, January 2, 2017Generally, stocks are divided among various categories. At the top are the stocks issued by large, well-established companies, often called blue chip or large-capitalization (large cap) stocks. Below are stocks issued by smaller companies, often divided by their size or market capitalization into mid-cap and small-cap stocks. READ MORE >>
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