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Navigating Equity-Indexed Annuities: Avoiding Hidden Costs
An equity-indexed annuity is a type of retirement investment that allows you to benefit from the performance of a financial index without the risk of an index fund. Some of these investments can
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Variable Annuity Payout Options: Securing Retirement Income
Variable annuities can provide you with a regular income source during your retirement years. There are several different payout options that you could choose from with a variable annuity. Here
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Rolling Over a Deferred Annuity: Tax Implications & Considerations
Many people purchase a deferred annuity in order to plan for retirement. However, at some point, many people want to roll over the funds from a deferred annuity into another type of account. Her
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Understanding the FERS: Your Federal Employee Retirement System
The Federal Employee Retirement System, or FERS, is a retirement plan offered to employees working in different agencies and departments of the U. S. Federal government. This program was formu
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Reduce Variable Annuity Costs: A Guide to Lower Fees
Variable annuities can be a good way to potentially earn a steady income during your retirement years. At the same time, they can also get very costly. Here are a few ways to lower costs for a v
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Annuities vs. Life Insurance: A Retirement Planning Guide
Balancing annuity and life insurance investments is an important part of retirement planning. These investments are considered complementary to one other, and you want to make sure that you bala
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Bank Annuities: Understanding Potential Conflicts of Interest
Bank annuities can be an attractive alternative to a standard bank CD or savings account. An annuity collects money from an investor for a period of time then makes a payment at a given rate in
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Capital Gains Tax & Retirement: Protecting Your Nest Egg
You have to plan for tax on your retirement savings in order to assure you are saving enough. This becomes particularly complicated when a number of your retirement accounts are designed for app
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Equity Index Annuities: Understanding the Index Method & Returns
Investing in an equity index annuity can provide you with exposure to the market and some safety at the same time. Because of these features, many people invest in this type of investment for th
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Understanding & Optimizing Your Capital Gains Tax
Proper capital gains treatment on your investments is essential to assure you earn the maximum amount possible after taxes. There are two types of capital gains tax: short-term and long-term. Th
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Disclaiming Retirement Assets: Understanding Your Options & Implications
If you have been listed as the beneficiary on a retirement plan, you have the choice to disclaim the retirement assets. Many people assume they will never have to face this option; after all, mo
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Retirement Risk & Age: How Your Age Impacts Investment Strategy
When investing your money for retirement it is important to consider many factors in order to determine the retirement risk you are comfortable with. Among these factors, and quite possibly most
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Create a Robust Investment Policy Statement (IPS) for Your Goals
An investment policy statement is a document that an investor can use to convey his wishes to a portfolio manager. This document can be very beneficial in your retirement planning, and you shoul
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Understanding Immediate Fixed Annuity Fees: What to Expect
Many people decide to supplement their retirement portfolio by purchasing an immediate fixed annuity. Most investors will tell you that is a much safer way to invest your money than investing in
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Luxury Retirement Communities: Costs, Amenities & Affordability
Luxury retirement communities are popping up all over the United States. Moving into one of these communities is a good idea, but only if you can afford it. Cost of your Living Space Above all e
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ERISA: Understanding Employee Retirement Income Security Act
In 1974, the federal government passed the Employee Retirement Income Security Act, or ERISA. ERISA sets basic standards for voluntarily created health and pension plans in the private sector to
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Social Security Retirement Age: Understand Your Benefits
You are eligible to receive Social Security retirement benefits when you reach age 62. However, this is considered the old age threshold, and it is not the full retirement age threshold. If you
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The 4% Rule: A Comprehensive Guide to Sustainable Retirement Income
The 4 percent rule is a rule of thumb that many individuals use as part of their retirement planning. This is a rule that is designed to help you determine how much money you should take out of
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Understanding the 4% Rule: Pros, Cons & Alternatives
The 4 percent rule is a suggested guide for withdrawing funds from your savings accounts during retirement. The rule states you should withdraw 4 percent in your first year and then withdraw the
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Dynamic Asset Allocation: Adapting Your Portfolio for Long-Term Success
Understanding the importance of asset allocation is critical if you are going to be a successful investor over the long-term. Asset allocation is not something that you are going to leave the sa
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Remote Part-Time Jobs for Retirees: Flexible Opportunities During COVID-19While many people choose to work during their retirement, the coronavirus pandemic has made it particularly difficult for retirees who are just starting to look for jobs. Aside from the economic uncer...
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Buying Out Your Spouse from a Mortgage: A Comprehensive GuideFew divorce issues are more complicated than figuring out what to do with the marital home. If you decide to keep the home for yourself, both of you must determine how to handle future mortgage respon...
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Voluntary Liquidation: A Comprehensive Guide for BusinessesVoluntary liquidation is when a company decides to dissolve itself on its own terms, as approved by the shareholders of the company. The decision usually occurs when a company decides that it has no r...
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Personal Financial Ledger: A Simple Guide to Tracking Income & ExpensesBasic accounting dictates that debits are entered in the left column, while credits are entered on the right. A personal ledger functions the same way a checkbook register does. The basic per...