Be cautious of fees subtracted from your retirement funds, you could be the loser at retirement time. With the recent volatility in the stock markets worldwide, concern over the future of many people’s retirement accounts is at the forefront. Volatility, as defined in the stock market, means to many of us that sleeping well at [...]
When planning retirement, do you depend on projections based on future conditions or do you plan your retirement based on guarantees. The answer may surprise you; both can be the correct answer. It really all depends on your personal situation and what “time” period you are focusing for retirement.
If you can retain and then gain, don't you win? The stock market is up, the stock market is down, day after day. Stress among many people worried about the future is very high. If you have experienced losses in your IRA and are concerned about your future retirement options, answer a few questions [...]
If you are considering the purchase or if you already own a variable annuity make certain you fully understand how they work. Annuities can be a good decision and they can also be your worst nightmare. The difference depends on how the benefits of a variable annuity can benefit you Listed below are 10 things to fully understand before buying a variable annuity.
The stock market is out of control. How about your retirement account? The CEOs salaries are out of control. Hedge funds are volatile and expensive. What options does that leave for the safety investors? Where can we invest our money to ensure it will not lose value? A bigger question is this: Who can you [...]
Do you have a winning strategy when it comes to retirement planning? When the stock market keeps climbing and climbing, all you have to worry about is which stock will bring you higher returns. But then, somewhere around the curve, lies rough weather. The market starts fluctuating, and every expert has a different opinion [...]
(Private conversation between a stock broker and a client) Client: Mr. Broker, since the first of the year, my account invested with your recommendation, the Dow Jones Industrial Average has lost almost 10%, why? Broker: Don’t worry, the market always comes back. Client: Yes, but I was planning on retiring sometime this year and you [...]
While dollar cost averaging does not by itself shield investors from market downturns, continuous and scheduled purchases over an extended period of time tend to cancel out the ups and downs of the market, and leave the investor with a net gain and a minimized risk. A variable annuity is more suited for taking advantage of dollar cost averaging because it allows for a specific portion of your annuity investment to be transferred tax free on a monthly into equity portfolios.
Variable annuities allow the owner considerable flexibility to invest annuity premiums in any way they see fit. The risks involved are the same as investments in stocks, bonds or mutual funds. The investor gets to keep the entire profit from gains and is liable to bear the loss for any decline in the price of invested holdings.