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Company stock in your 401(k) at retirement? Save yourself thousands using these techniques.
 
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Owning stock in the company you work for is a strange investment. Find out the ways to handle this investment position as you approach retirement.
Просмотров: 123 Retirement Matters, Inc.
Single Stocks - A Monkey Can Invest Better Than Experts
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 47506 The Dave Ramsey Show
Retirement Plans: Last Week Tonight with John Oliver (HBO)
 
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Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Просмотров: 9982323 LastWeekTonight
Should you invest in your company 401k retirement plan
 
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We are a wealth management firm that specializes in improving on the traditional buy and hold approach. To use a simple analogy, we do this by treating ones retirement investments as if they were real estate. For more information call us at 727.492.0314 or visit www.JazzWealth.com Facebook https://www.facebook.com/JazzWealth/ Investment related questions 📧 Dustin@JazzWealth.com Business Affairs 📧Carolyn@JazzWealth.com
Просмотров: 2507 Jazz Wealth Managers
Individual Vs. Retirement Accounts (Dividend Stock Investing & Early Retirement)
 
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As a dividend stock investor who wants early retirement (also known as financial freedom), I highly favor individual (taxable) accounts for my stock portfolio. By contrast, retirement accounts (such as the Roth IRA and 401k) do not allow withdrawals before 65 years of age (unless one wants to pay a penalty). Since I plan to tap into my dividend income well before I'm 65 years old, I do not like retirement accounts for my personal situation. Today's video compares and contrasts taxable individual accounts vs. retirement accounts, from a dividend growth investing perspective. Topics covered include: * Types of stock brokerage accounts. Individual (also known as taxable), Roth IRA, and 401k. * Pros and cons of individual accounts vs. retirement accounts. * Why I love individual accounts for my dividend stock portfolio. * Why I love the concept of an early retirement (or financial freedom). Even if I don't retire early, I will surely tap into my massive cash flow. * Why Roth style accounts are the best from a tax standpoint (if one does not plan to utilize funds until a traditional post-65 retirement). * Why employer match (often in 401k accounts) is pure gold. * Why 401k accounts could be risky since future taxes (at time of withdrawal) are unknown. * Why mutual funds are a deal-breaker for me, except in the case of 401k employer match. * How account optimization is a balancing act. I hope you enjoy today's video and please subscribe for more videos about dividend growth investing. Today's video is a special one, set on the beautiful Ka'anapali Beach in Maui, Hawaii. Disclaimer: I'm not a licensed investment advisor, and today's video is just for entertainment and fun. This video is NOT investment advice. Please talk to your licensed investment advisor before making any financial decisions.
Просмотров: 4839 ppcian
The Ultimate Retirement Plan Alternative
 
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There's a time-tested strategy to grow your retirement savings without risking your money in the stock market and without stringent government restrictions, and it offers guaranteed growth. Instead of a traditional retirement plan with its promise of tax-deferred contributions and hidden fees, try the ultimate retirement plan alternative - Bank On Yourself. Using dividend paying whole life insurance, a Bank On Yourself plan offers predictable growth and retirement income with no luck, skill or guesswork required. This retirement plan alternative never slides backward when the markets tumble and allow you to access your principle and gains with no taxes. A Bank On Yourself plan also lets you control your money without any government penalties or taxes or limits on how much or when you can withdraw. Not only that, these plans allows you to borrow from them for emergencies, growing your business or even pay for your child's education. If you want a retirement plan that offers real financial peace of mind, visit our site and check out http://www.bankonyourself.com/best-retirement-plan-alternative before talking to an authorized Bank On Yourself advisor.
Просмотров: 5541 Bank On Yourself
Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears
 
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This is the VOA Special English Economics Report , from http://voaspecialenglish.com | http://facebook.com/voalearningenglish Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company's stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.Pete D'Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks. "There's three stages of life there when we look at it. There's the part where you're earning money. And when you're earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more." By risks, Pete D'Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings. "But then we get to the transition phase when we're within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income." Pete D'Arruda has a simple way of deciding how much of your retirement savings should be at risk. He says take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, "sixty-five percent of the money must be in a place that can't lose it. The reason why is when you're in retirement it's impossible to get the money back that you lost because you don't have a salary coming in."One recent survey by the Charles Schwab company found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born after World War Two. For VOA Special English, I'm Alex Villarreal.(Adapted from a radio program broadcast 28Oct2011)
Просмотров: 41476 VOA Learning English
Don't Invest In Your Company's Pension Plan - Dave Ramsey Rant
 
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Don't Invest In Your Company's Pension Plan - Dave Ramsey Rant Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 32300 The Dave Ramsey Show
Retirement Plans
 
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In this course, we will discuss the basics of retirement plans. A retirement plan is a program established and funded by the employer and-or employees to fund employees’ retirement years. Organizations are not required to offer retirement plans to employees beyond contributions to Social Security. A defined benefit plan is a retirement program in which employees are promised a pension amount based on age and years of service. A small percentage of companies in the private sector offer defined benefit plans to their employees, while public-sector employers still provide them. A defined contribution plan is a retirement program in which the employer and/or employee makes an annual payment to an employee’s retirement account. The key to this plan is the contribution rate; employee retirement benefits depend on fixed contributions and investment earnings. Profit-sharing plans, employee stock ownership plans (ESOPs), and 401(k) plans are common defined contribution plans. Because of their portability and other features, these plans are sometimes preferred by younger, shorter-term employees. Some employers have changed traditional pension plans to hybrids based on ideas from both defined benefit and defined contribution plans. One such plan is a cash balance plan, a retirement program in which benefits are based on accumulated annual company contributions, expressed as a percentage of pay, plus interest credited each year. With these plans, retirement benefits accumulate at the same annual rate until an employee retires. Offering retirement plans are a staple of the total rewards mix in any organization, critical to attracting, retaining and motivating talent.
Просмотров: 21 Gregg Learning
Should I Invest Outside My Company's 401k? #AskHogan
 
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Should I Invest Outside My Company's 401k? #AskHogan Preorder Everyday Millionaires and get over $50 in FREE bonus items! + Preorder the Book: https://goo.gl/PX8z1j The Chris Hogan Show is also available on: + Apple Podcasts: https://goo.gl/bp1LSN + Google Podcasts: https://goo.gl/GbWCmq Other Resources in This Episode: + Use Our Free Retirement Calculator: https://goo.gl/LS8Nyx + Join Our Private Facebook Community: https://goo.gl/1PFt9t + Find a SmartVestor Pro: https://goo.gl/oVW6na + Attend a Live Event: https://goo.gl/ZuyFnC
Просмотров: 6504 Chris Hogan
Top 10 Retirement Investments
 
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Here are 10 retirement investments that you may use as a part of your portfolio as you approach and enter retirement. To download your free copy of Top 7 Investor Mistakes, just click here: http://retirementplanningmadeeasy.com/investor-mistakes 1. Diversified Portfolio - Not technically an investment, as it is comprised of investments, like equities, bonds, and cash. But the goal of a diversified portfolio is to reduce risk and volatility, which is important for retirees. 2. Dividend Stocks - These can help supplement Social Security income in retirement. If you don't feel comfortable researching individual company stocks, you can look into dividend income funds that hold a collection of companies' stocks. 3. Bonds - You are essentially lending money to a corporation or a government. They pay interest, which can help supplement your income in retirement. They also can be used to help reduce volatility in your portfolio. 4. Fixed annuities - These annuities have no market risk. They are typically used for their income guarantees as well as the guaranteed interest some provide. 5. Variable annuities with income riders - These are promoted very often to retirees. Many have high fees that inhibit their growth potential in the market. They do have market risk, so they can go down in value. The income rider can provide income guarantees, but be sure to check what guarantees you can get with fixed annuities first. 6. Rental real estate - Being a landlord may not be a goal of yours. But rental real estate can provide monthly income to you, and you can increase your rents in the future to keep up with inflation. The downside: you have to manage tenants. 7. REITs - Real estate investment trusts let you have real estate exposure in your portfolio without having to be a landlord. They can also be used as an alternative asset in your portfolio to provide more diversification and help reduce volatility. 8. Commodities - By themselves commodities can be risky. They don't pay dividends either. But they can also be used as an alternative asset class to help reduce portfolio volatility through additional diversification. 9. Bank CD's - Pretty straight forward. You give some money to the bank and they guarantee to pay you an interest rate over a set period of time. They are FDIC insured for additional safety. 10. Money market accounts - This is another liquid source of your funds. You can hold them in these accounts and use the funds when you see a good investing opportunity arise. To download your free copy of Top 7 Investor Mistakes, just click here: http://retirementplanningmadeeasy.com/investor-mistakes To read the full article with this video, visit: http://retirementplanningmadeeasy.com/top-10-retirement-investments/ Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Просмотров: 6423 Retirement Planning Made Easy
What to do with your 401(k) or 403(b) if you leave your job
 
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Why is it so important to roll your 401(k) or 403(b) to an IRA when you leave your employer? The primary benefit of the IRA, over the 401(k), 403(b) or SIMPLE, is that you have more investment alternatives in an IRA. In a 401(k), unless you are lucky enough to have a self-directed brokerage window, you are probably limited to the mutual funds offered by your plan administrator. In an IRA, you can buy and sell the entire universe of investment alternatives - including all stocks, bonds, mutual funds, options, real estate, and even privately held companies. While that is the most important reason to roll your 401(k) over into an IRA when you leave, there are others. If invested properly, your fees will probably be lower in an IRA than a 401(k). Fees are very important for three reasons: 1) reducing fees is risk free return - it may be the only free lunch in investing; 2) reducing fees leaves more money in your pocket to compound over time; and 3) studies show the one thing most correlated with performance, over time, is not the fund manager, the sector, the asset class or the historical performance, but low fees. As a general rule, fees are inversely correlated to portfolio performance - the higher the fees, the worse the performance. The lower the fees, the better the performance - which is, of course, a very practical reason why you should learn to be your own money manager. (NOTE: Snider Advisors offers a free online course, called "How to Turn Your 401(k) Into a Million Dollar Nestegg." The nine part course is designed to arm you with the knowledge and step-by-step instructions needed to make the most out of your employer-sponsored defined contribution plan. The goal is to give your plan the highest probability, while you have it, of someday being able to produce sufficient income for you to live comfortably in retirement.) Another reason to move from a 401(k) to IRA, is easier access to your money, although I'm not sure this is such a good thing. If you want to rob your retirement account, you don't have to ask for permission, nor is there any bureaucratic paperwork. You have a thousand miles of rope to hang yourself with. There are estate planning benefits as well. While the rules have changed in recent years, allowing 401(k) plans to be stretched by your beneficiaries, it is still up to each individual plan sponsor to write that into the plan document. Some have and some haven't. An IRA custodian that doesn't allow for a stretch after your death is, in my experience, rare. Finally, you can split IRAs between multiple beneficiaries and IRAs are easier to allocate when you have non-spousal heirs. A transfer of your 401(k), 403(b) or SIMPLE to an IRA is a non-taxable event, so long as you do it properly. There should be no taxes, fees, or penalties. While you are employed, you have to max out your employer sponsored retirement plan if you can. At a minimum, you should contribute enough to get the full employer match, if there is one. But if there is a silver lining to losing your job, being able to self-direct your retirement funds is one. Bottom line: Whenever you leave an employer - either voluntarily or not - get that money rolled over to an IRA as soon as you can. Never leave your 401(k) with your old employer, and even worse, never ever roll your old 401(k) money into your new employer's plan, when you are lucky enough to find a new job
Просмотров: 66161 KimSnider
Best Retirement Plans for Small Business Owners (GoodFinancialCents.com)
 
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http://www.goodfinancialcents.com/best-retirement-plan-for-small-businesses/ Are you a business owner that is finally starting to see some profits? You have been slugging away for several years and now you are finally in the black and you want to start thinking about retirement. You know that you need to save, but as a business owner you have a plethora of different retirement plan options that as an individual you didn't. If you are confused and bewildered and not sure what direction to go, I completely understand. I was in the exact same situation as you. I was a W2 employee, and then when I became a small business owner I now had many different options that I could choose from and initially it was overwhelming. It was easier doing it for the client, but now that I was actually on the business owner's side of things, the 1099 independent contractor side of things, I now wanted to make sure that I was doing the best retirement plan for me. If you are looking to see what retirement plan is best for you, here are a few options to consider: 1. A traditional or Roth IRA. Now I am sure you are probably wondering, "Well Jeff, I could do that when I was an individual. What is the benefit for me doing it as a business owner?" Well here's the thing; the beauty of doing a traditional or Roth IRA, if you are not putting money in those plans at all, and maybe you are profitable but you are not as profitable as you would like to be, under the age of 50 and under you can still put in $5,000 on either the traditional or Roth IRA. At least that is a good starting point. Now, if you can put in more than that 5,000 then we'll start looking at the other options coming up. 2. A simple IRA. The name is a little bit misleading because to me it is not quite that simple. Here is the general gist: You're able to put in up to $11,500 per year into the simple IRA. Over the age of 50 is allowed a $2,500 catch up. But if you have employees, here is where it gets a little bit trickier. To make it simple, just know that you're going to have to put in about 3% of your employees' wages as an employer contribution. That is how much, as a business owner, you're going to be out for each employee. There are certain rules that say you can dip below that 3% over a 2-out-of-the-5-year period, but I don't want to muddy the waters too much. Just know that for the most part you're going to have to put in about 3% of your employees' salary to be able to contribute the 3% for yourself as well. Now that might sound a little bit confusing and it kind of is, but if you go to the blog and do a Google search for "simple IRA rules", you'll find out more about the simple IRA and see if that applies to you.
Просмотров: 5893 Jeff Rose
Retirement Benefits
 
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http://www.ciradvisors.com The 401(k) was originally created by congress as a tax shelter for executives, and was signed into law in 1978 by Jimmy Carter. It was meant ONLY to be a supplement to Pension income and Social Security income. In the 80s, employers realized that they could replace expensive Pension Plans with 401(k)s requiring little to no employer contribution. In the last 30 years Pension Plans have been almost completely replaced by the 401k, with the exception of government and union employees. In the 80s and 90s, as the 401k replaced the Pension, money flooded the stock market. 401(k) accounts purchased mutual funds, mutual funds purchased stock, and stock prices took off. Stock prices were now a product of demand from 401Ks rather than the profit of the companies that issued the stocks. Since that time the market has risen (BULL Market) and fallen (BEAR MARKET) every 7 years or so. While the account balances do grow… the balance is often less than the total contributions. If your money is in a 401(k), invested in mutual funds, and the market goes down, so does your account, and even if it goes down by more than 37%, like we did in 2008, we’re still charged administrative fees by the 401k, portfolio management fees on the mutual funds, and other fees. These fees typically averaging 2% to 3% of your balance, and are deducted from your returns. Regardless of how much money you may lose in a year, you’re still paying the fees. Studies have found that an ordinary American household with two working adults will pay or lose over $150,000 in 401(k) fees over a lifetime. And due to a recent Supreme Court decision, employees may now sue their employer over 401(k) plan fees. Did you know that if employees are not given access to a retirement savings account, where they may have pay automatically deducted and put away, they are unlikely to save for retirement, and highly likely to consider leaving for a company that offers retirement savings opportunities? And even when employers offer a 401 (k) many employees do not, and will not, participate because of market risk. Hi, I’m Chris Cunningham, President of Carolina Insurance & Retirement Advisors, host of the Moore Money Radio Show, and a Chartered Benefits Consultant. We offer retirement savings vehicles such as Individual Retirement Annuities and Payroll Deduct IRAs, with no fees to employees, or their employer, no required employer contributions, and zero market risk. Other options, such as an IUL, offer market linked growth of principal, downside protection, a death benefit, and critical and chronic illness protection. IULs are also available for voluntary payroll deduction, with no employer contributions and zero employer cost. I'm Chris Cunningham, President of Carolina Insurance & Retirement Advisors and host of the Moore Money Radio Show. We would love to discuss retirement savings options that your employees may participate in, whether they are participating in a 401(k) now or not.
Просмотров: 73 Chris Cunningham
3 Things You Should Know Before You Rollover Your 401k
 
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For more financial planning tips and strategies, be sure to check out our blog at http://MoneyEvolution.com Check out our Free Guides… Money Evolution Guide To What Every Investor Should Know About Planning And Saving For Retirement http://moneyevolution.com/free-guide Money Evolution Guide To Understanding Your Social Security Benefits http://moneyevolution.com/social-security-guide Money Evolution Guide to Understanding and Managing Your Debt http://moneyevolution.com/understanding-your-debt Money Evolution Guide To Buying and Financing Your Home http://moneyevolution.com/financing-your-home Money Evolution Guide to Understanding Real Estate As An Investment http://moneyevolution.com/real-estate-investment Money Evolution Guide To Understanding Your Taxes http://moneyevolution.com/understanding-your-taxes Money Evolution Guide To Understanding the Total Cost of Car Ownership http://moneyevolution.com/understanding-cost-car-ownership Follow Us On Facebook - https://www.facebook.com/moneyevolutionhome/ Twitter - https://twitter.com/billlethemon Linked In - https://www.linkedin.com/in/bill-lethemon If you have any questions about this, or any of my other videos, feel free to contact me at any time. Email Me at bill@moneyevolution.com Or Call My Office at 248-731-7829 In today's video blog I'm going to be talking about Three Things That You Should Know Before You Roll Over Your 401K Plan. Remember if you're thinking about doing a rollover, you essentially have four options. One, you can just simply leave the 401K plan where it's at. You don't have to roll the money over. You could cash it out completely. Remember if you do this, you're going to have to pay taxes on the money that's coming out of the 401K plan. If you're not 59 1/2 you might also have a 10% penalty if you're cashing it out as well. If you're going to work for a new company and that new company accepts rollovers, you can simply roll over your old 401K plan into your new 401K. And the last option is you can roll the 401K plan out into your own self-directed IRA account. Here's three things that I think you should be thinking about before you do this rollover. Number one, you might want to look to see if you qualify for any special tax treatment. And there's a couple of different things that you might qualify for. Number one is if you have any company stock in the 401K plan, especially if you have any highly appreciated stock, you could take advantage of something called net unrealized appreciation. Essentially what you're able to do, if you qualify for this is, pull your stock out of the 401K plan, and at the time you pull that money out, you're only going to pay ordinary income taxes on the cost basis of your stock. Let's say you have company stock that's worth $100,000 and maybe it has a cost basis of 20,000, you can pull that $100,000 stock out and only pay taxes on the $20,000 of your original cost basis. The $80,000 gets classified as net unrealized appreciation and can qualify for a more favorable long-term capital gains tax treatment, which currently right now is topped out at 15% for most taxpayers. Can be as high as 20% if you're in one of the upper income brackets. But that could potentially save you a significant amount of taxes. The second thing you want to look at as a special tax treatment is something called the Age 55 Rule. If you separate service on or after your 55th birthday, but you're not yet 59 1/2, you can actually take penalty-free withdrawals out of your 401K plan and use that to supplement your retirement even though you're not 59 1/2. If you move that money over into your IRA account you no longer qualify for that Age 55 Rule. So that's another reason to possibly leave that money in the 401K plan. The final special tax treatment that you could qualify for is something called the after-tax account. More and more 401K plans have this available. We see a lot of people here from time to time that have money in an after-tax account. They didn't even know they had the money in the after-tax account. It just ended up there because maybe they reached their contribution limit one year and extra money went into this account. Well, couple years ago the IRS made a tax ruling on how this money is able to be treated. Now, according to this new IRS tax ruling, you can roll that after-tax savings account over directly into a Roth IRA account. So you basically are shifting in from an account that you're going to have to pay taxes on any deferred gains that you have into an account as long as they're qualified distributions, where under the Roth you'll never have to pay taxes on any of those distributions. So that could be another way that you could potentially save some money on the money that you've accumulated in your 401K. The second thing you want to know about doing a rollover is the cost. You want to understand what costs are you currently paying in your 401K. Continued on blog...
Просмотров: 10558 Money Evolution
5 Myths About 401k Rollovers That Could Wreck Your Retirement
 
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Don't believe these 5 myths about 401(k) rollovers. It could hurt you. To download your free report "401(k) Rollover 10-Point Checklist For Baby Boomers" click here:http://retirementplanningmadeeasy.com/401krollover Myth #1 - 401(k) Rollovers Have Hidden Fees - Absolutely not true. The transaction is fee free. Of course if you use an advisor you may pay him/her a fee for their services. But the transaction itself does not have fees. Myth #2 - You Can Rollover Your 401(k) Into An IRA If You Make Too Much Money This also is false. There are no income restrictions or limits on 401(k) rollovers into IRA's. Sure, you may not be able to contribute to a Roth IRA if you make too much. And you may not be able to deduct your contributions to a traditional IRA if you make too much. But this does not apply to a 401(k) rollover. Myth #3 - You Must Cash Out Your 401(k) When You Leave Your Employer Nope, in most cases. You can usually keep your funds in the old employer's 401(k) plan. If you have over $5,000 in the plan, your old employer must keep it if you want them to. Myth #4 - You Must Already Have An IRA Or You Can't Do A 401(k) Rollover Not true. You can open up a brand new IRA account with no money in it, and that will suffice to roll your 401(k) into it. Myth #5 - When You Rollover Your 401(k) You Lose The Portion Your Employer Matched Also not true if you are vested. If you are vested you will receive your employer's contributions. So check with your employer to see how long you must work with them before you become vested. To download your free report "401(k) Rollover 10-Point Checklist For Baby Boomers" click here:http://retirementplanningmadeeasy.com/401krollover To read the full article with this video visit: http://retirementplanningmadeeasy.com/5-myths-about-401k-rollovers-that-could-wreck-your-retirement/ Best regards, Chris Hammond Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Просмотров: 2720 Retirement Planning Made Easy
4 Strategies To Get The Most Out Of Your 401k Plan
 
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Check out our FREE Resources Page At... http://moneyevolution.com/money-evolution/free-resources/ I want to talk about Four Strategies To Help You Get The Most Out Of Your 401K Plan. As many of you know if you've watched any of my other videos you know that the 401K plan is not necessarily my favorite savings vehicle for retirement, but there are a couple of reasons why you might still want to do a 401K plan. Number one is the Company Match. If your company's matching you any portion of your 401K contributions, that's basically free money. That's very hard to pass up. I would definitely make sure that you're taking advantage of your 401K plan at least enough to do that full match. The second one is at that There Are Higher Contribution Limits on a 401K Plan Versus an IRA Account. For an IRA Account if you're under 50 for 2017 you can contribute $5,500 a year. If you're over 50 usually it goes up to $6,500 a year, but a 401K plan you can contribute $18,000 if you're under 50 and you can contribute $24,000 a year if your 50 years old or older, so the higher contribution limits are another reason that the 401K plan might make sense. The final one is There's No Income Restrictions on 401K Plans, so anybody pretty much can contribute to a 401K plan regardless of your income where as as you probably know and I've talked about this in some other videos that if you make too much money you may lose your ability to contribute to a traditional IRA Account and take a tax deduction or if you make too much money you may not be able to contribute to a Roth IRA Account at all. Even then, there may still be some reasons that you want to do the 401K plan and so here are the four strategies to make sure you're getting the most out of it. We just talked about it but the match. Again make sure that if you have a match make sure you're contributing at least enough to get that full matching contribution from your company. Another option that may be available in your 401K plan it's getting more more popular, but there could be a self directed 401K option. And basically what this is it's a separate account within your 401K plan that can give you access to a whole bunch of additional investment options that are not part of the name 401K menu. So as you know one of the reasons that I don't like 401K plans sometimes is because they have a very limited investment menu, so having that self-directed option opens up that to give you some more investment choices. The third one is in-service withdrawals. So again because you may be limited on what you can invest in inside your 401K plans and there may be fees on the 401K plan as well you could look into the option of doing what's called an in-service withdrawal and some companies allow you to move sometimes all or a portion of your 401K plan over into your own self-directed IRA Account even while you're still working even before retirement. Again there may be advantages and disadvantages to doing this, so make sure you check with that and make sure you understand the fees and the options available before you do something like that, but the in-service withdrawal may be another opportunity for that. The fourth one is some 401K plans offer an after-tax savings option. This is something that allows you to even go above and beyond the regular 401K contribution limits and up until very recently this is something that even I personally never really paid a lot of attention to because there was really no advantage to it, but there was a recent IRS tax ruling back in 2014 that made some clarifications to a previously gray area pertaining to 401K Rollovers, so the after tax account, just to give you a little bit of a idea of how that works, it's money that goes into your 401K plan on an after tax basis, so you're not getting any immediate tax advantage to that. The money grows tax-deferred which means that normally if you left it in there you would have to pay taxes on any gains or growth that you have inside the after tax account and then you know, pay taxes when you pull that money out, so the ruling changed that IRS came out with back in 2014 is now you can take the monies that are in your after-tax portion of your 401K plan, you can role those out directly into a Roth IRA account. So this is an opportunity for a lot of people that normally don't qualify to make a contribution to a Roth IRA Account because they make too much money. It's also an opportunity for people that want to save over and above the traditional 401K contribution limits because if you're under 50 some plans actually allow you to contribute up to $53,000 into the combination of your pre-tax 401K or Roth 401K contributions plus your company match, plus any after tax contributions can go up to as much as $53,000. If you're 50 years old or older, that number could be as high as $59,000.
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Defined Benefit Pension: The Finance of Retirement and Pensions PREVIEW
 
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Go to http://goo.gl/9RRav8 to see Josh Rauh's new self-paced online course from the Stanford Graduate School of Business, Stocks and Bonds: Risk and Returns with Professor Josh Rauh. Instructional videos and exercises free online until April 2015.
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'Retirement Heist' Overlooked Causes of the Retirement Crisis
 
01:34:35
The decline in employer-sponsored pension and retiree health plans is a troubling trend that has eroded the retirement security of millions of Americans. Stock market losses and low interest rates have weakened pension funding, and employers say that this -- combined with retiree longevity, rising costs and the need to compete globally -- is forcing them to freeze pensions and cut retiree benefits. However, Ellen Schultz, a former investigative reporter for The Wall Street Journal, says that employers' practices also played a role. In her new book, Retirement Heist, Schultz contends that large companies, aided by benefits consultants and lawyers, have played a largely overlooked role in the decline of American pensions and benefits. At this November 2011 event, Schultz and other experts explored the numerous examples of companies using their pension funds and retiree benefit cuts to bolster profits and boost compensation for senior executives at the expense of rank-and-file workers. This event was hosted jointly by the New America Foundation, the Pension Rights Center and AARP. In this video David Certner talks with author Ellen Schultz about her new book. They are accompanied by Phyllis Borzi, Donald Fuerst, Karen Ferguson and Michael Calabrese
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What Is a 401K Retirement Plan & How Does It Work? Does 401 k plan SUCK???
 
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https://FreeGoldGuide.org - get your FREE 401k to Gold IRA Rollover Guide! Let’s talk about 401lk. What is a 401k retirement plan, and how does it work? Some people believe that 401k is a great opportunity to invest for your future. The others say and BELIEVE that our 401k is about to be stolen by the big banks when the stock market crashes. Who’s right? Let's figure it out! Let me share with you something really interesting and inspiring. This is the life expEctancy graph. As you see, life expectancy increases, year by year, which means that our chances to live a long life improve dramatically. That’s really good, but! We have to figure out how to pay for basic necessities when we retire. And this is what retirement planning is all about? A 401k retirement plan might help us! I watched some videos on YouTube, and I know that it might sound complicated, so let me explain it in simple terms. This is John, John the plumber. John has a wife, two kids, a pet dog, and... a paying job. John likes his job, he makes $50,000 per year.. he cares about his future because he’s hoping to live a long life, full of joy and unforgettable moments. John works for “Super Duper Plumbers LLC”. His employer offers a 401k plan, which is a retirement savings plan for employees like John. In plain language, John can contribute a small portion of his income to his 401k plan. Example! John, as we know, makes $50,000 per year, before taxes. This is what we call a gross income. He decides to contribute 4% of his income to his 401k plan. 4% of $50,000 is $2,000. John reports only $48,000 in income on that year’s tax return. It means that 401k contributions are tax defErred. But what is really exciting is that both an employee (in this case John), and an employer (in this case, Super Duper Plumbers LLC), they both contribute to his 401k account. John saves 4%, which is $2,000. And his company contributes the same amount – 4%, which is $2,000 as well. This means, that every year John saves $4,000, or 8% of his gross income. Now you might have a question in your mind that is “WHERE does this money go, and WHEN and HOW will John be able to withdraw it”? First, let’s talk about where the money goes. In John’s case, there are two options available (this is what his employer offers). Fund number 1 consists of stocks, and Fund number 2 consists of stocks and bonds. John believes in the American economy, he heard something about diversification, and he decides to go with the second option and to invest in stocks and bonds. Year by year John contributes to his 401k plan. Year by Year his employer contributes to John’s 401k. And finally John is 59 and a half, and he is allowed to start pulling money out. And it’s really cool because he has over 500 thousand dollars in his retirement account. BUT HE OWES income tax on all his withdrawals – on the money he contributed and on the gains on his contributions. Whatever he takes out of his account is taxable income, just as a regular paycheck would be. And the problem with 401 k retirement plan and the reason why some people are not happy about it is… No one really knows what the tax rates will be in the future for anyone. Nevertheless, 401(k) plans hold trillions of dollars in assets and represented nearly 18 percent of the $25 trillion in U.S. retirement assets. Let’s go back to John. Can he withdraw his money earlier, until he reached retirement age? Yes, he can, but there is an early withdrawal rule. John may have to pay an additional 10 percent tax on his withdrawal. This is how it works, and this is a brief overview. What about other employers? Every company offers its own 401k plan, with different investment opportunities – particular stocks, particular bonds, and so on. But the general strategy is: you invest a small portion of your money on a regular basis and benefit from this in the future. Now the question: if everything is so good, why a lot of people prefer to stay away from 401k, why do they say that 401k does not work. Well, there are a few reasons. And I mentioned before that no one really knows what the tax rates will be in the future. The second reason is excessive fees nobody tells you about. And the third reason is paper dollars lose value and anything tied to them also lose value. The conspiracy theorists believe that 401k is the way the government is going to steal your hard-earned money. By the way, there is an opportunity to rollover your existing 401k plan to Gold IRA. Click the link below this video and get your free gold investment kit, and learn how you can protect your wealth in case of stock market collapses. Who's right who's wrong? You decide. Let me know your opinion below. Last Kiss Goodnight by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100611 Artist: http://incompetech.com/
Просмотров: 1145 Joyful Investor
Money Guru : Importance of retirement planning
 
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Watch this special segment and get to know about the importance of retirement planning. Zee Business is one of the leading and fastest growing Hindi business news channels in India. The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit. Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news. Some of the popular shows of Zee Business are: Share Bazar, Mandi Live, Aap Ka Bazar, First Trade, Big Debate etc.
Просмотров: 51307 ZeeBusiness
401K Investing Basics 📈 401K Investing Strategies  (Part 1)
 
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5 Basic 401k Investing strategies to get higher returns in your 401K Plan. Learn how to pick 401k Investments. 401K (Retirement Investing) [401K Retirement Investing] Basics of 4 01k Investing. 5 Basic 401k Investing Strategies. In 2017 It has never been more important for us to learn how to invest than now.In order for us to retire in the future we have to learn to invest our money to the best of our ability through a combination of 401K and other investments. 1. Discover Your Fund Choices: (Step 1) Find out what investment choices are offered in your current employer's plan. The fund choices, and number of available choices to choose from are going to vary from company to company. If you do not know what is offered ask your human resource department where you can find this information, and what provider they use. Examples of 401K plan providers include John Hancock, Vanguard, and Fidelity to name a few. Typically your provider will have an account you can access online where you can manage your 401K investments, research rate of return, fund choices etc. Log in, or create an account online to begin to perform your analysis. The analysis may take you a few hours depending on the volume of funds you want to look at so you might consider breaking up your research into one hour blocks so you do not get burnt out. 2. Select the Criteria of the Funds You Want to Analyze (Step 2) My 401K plan has roughly 60 investment choices. Yours may have less, or it may have significantly more, it all depends. If you have more than 100 choices I would consider selecting criteria important to you so your analysis will not consume your life. Here are examples of criteria you may want to consider to cut down on the number of funds you are going to look at: - Rate of return over last 5 years, and last 10 years. (Example: Look at funds that have the highest 5 - 10 return on investment) - Fee ratios - Are you more of a risk taker, or more conservative? As you go through this process make sure you are writing down the fund names and ticker symbols as you go. If you can extract the data to excel that may be your best bet to save the most time. Example: Fund Name: Fidelity Contra Fund: Ticker Symbol FCNTX. I would highly suggest using Microsoft Excel. If you do not have excel considering using a binder or notebook so you can keep your notes easily organized. 3. Learn About the Funds (Step 3) It is always hard for me to believe that so many people do not know what they are investing in when it comes to their retirement account, but they know so much about sports, or their favorite reality T.V. show. Generally speaking....through your 401K provider's website you should be able to read about the funds online. I personally look at the following things: - Top Holdings (What stocks make up this mutual fund?) - Are the individual stocks in this mutual fund companies I would want to own? - What is this funds long term track record, how long has the fund be around? I usually like to invest in something that has been around close to ten years or more. - What is the expense ratio? - How Risky is the fund? Take notes as you go so you do not have to redo the work later. If a financial advisor regularly comes to your company to give market updates try to meet with him (or her) to learn more about your retirement plan funds. The advisor should know these funds very well, and should be able to help guide you in this area. This does not mean you should avoid doing the research. If you have done your research ahead of time you can get their opinion on what you are thinking of investing in. 4. Utilize Free Resources such as Yahoo Finance to Aid You in the Research Process (Step 4) Yahoo Finance is one of the most simple investment websites you can use to do additional research on your provider's funds. In my particular plan the thing it was missing was stock charts. I wanted to visually see how the fund was performing, and so I went to Yahoo Finance to do my research. If you cannot see the chart performance on your mutual fund I would highly, highly recommend taking the time to do this step. Generally speaking you want to see a slow and steady increase in fund price over a long period of time. I'm looking for stable long-term growth for last 10 years, or more. 5. Choose Investments or Reallocate Your Current Investments (Step 5) Time to take action! Links: Investopedia 401K Basics:http://www.investopedia.com/articles/retirement/08/401k-info.asp How to select 401K Investments: https://www.betterment.com/resources/retirement/401ks-and-iras/how-to-select-investments-for-your-401k/ Follow me on Facebook: https://www.facebook.com/MKChipfanpage Follow me on Twitter: @Mkchip123 Crushin by Audionautix is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Artist: http://audionautix.com/
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Overexposure to Employer Stock: Tax Rate Arbitrage
 
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In this video I share the strategy of tax rate arbitrage to reduce your exposure to employer stock
Просмотров: 6 Lucas Casarez
A beginner's guide to pensions - MoneyWeek Investment Tutorials
 
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As the government launches its new workplace pension, Tim Bennett explains the basics of pensions in jargon-free language, and why the new scheme is being rolled out.
Просмотров: 93413 MoneyWeek
Money Guru | Financial planning for regular income after retirement, Part-I
 
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Watch complete news story of Money Guru about Financial planning for regular income after retirement. Zee Business is one of the leading and fastest growing Hindi business news channels in India. The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit. Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news. Some of the popular shows of Zee Business are: Share Bazar, Mandi Live, Aap Ka Bazar, First Trade, Big Debate etc.
Просмотров: 12061 ZeeBusiness
Investing Tutorial 1: Why invest in stocks for retirement
 
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Get our top 10 stock picks for free: https://o.obermatt.com/subscription/?utm_source=YouTube Saving for retirement? Learn why and how to invest in stocks for retirement. You’ll see how stocks can provide diversification to the house and retirement plan you may already have. We’ll also discuss how stocks can provide the highest long-term returns of all major investment classes. Watch the video to learn more. Get our free Obermatt Stock Update (see sample): http://o.obermatt.com/subscription/ Watch the next video: https://youtu.be/Xq_h-vUVH0M Entire playlist: https://www.youtube.com/playlist?list=PLXfpebax-e07ko3qZC-TUubiTSDj3OKzp Subscribe to our Youtube channel: https://www.youtube.com/channel/UCBW5Ra7QNmPaWswKvSV8Weg?sub_confirmation=1 Follow us on - Twitter: https://twitter.com/ObermattEn - Facebook: https://www.facebook.com/0bermatt - LinkedIn: https://www.linkedin.com/today/author/hermannstern Find out more about stock investing: http://www.obermatt.com/en/investing/investing-home.html Check out our website for more information: http://www.obermatt.com/en/home.html Transcript: So, you know that you should save for your retirement which leads to the question: What type of investments should you make? Well, the good news is there are three main investment classes to choose from. First, there is real estate; second, there are bonds; and third, there are stocks. You may not realize it but, if you own a house, you're already invested in the real estate market. And, if you're on a pension plan, you are already invested in bonds. Which only leaves stocks. So, the first reason to invest in stocks for your retirement is diversification. But, there's a second reason why you should invest in stocks. Research shows that, over the long run, stocks have the highest return of all major investment classes. Which makes a lot of sense because, as a shareholder, you actually own part of the company. And, the executives of the company want to make sure their profit is as high as possible, which means your return will be as high as possible. So, remember if you invest for your retirement, you should invest in stocks for those two reasons: first diversification and second higher returns. Disclaimer: Obermatt provides data to the best of our knowledge and belief.This post expresses the views of the author as of the date indicated and the information contained herein will not be updated. Obermatt claims no responsibility for the data presented or for any resulting implications of data usage, according to our disclaimer and liability statements: http://www.obermatt.com/en/investing/disclaimer.html.
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How to Invest in a 401k | BeatTheBush
 
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When you sign up for an employer 401k plan, you are allowed to invest in various assets by selecting the percentage you want in each allocation. Generally you need to pick a target fund date suitable for your age and when you wish to retire. The closer you are to retirement, the more conservative it needs to be so that you do not find yourself deep in losses with not enough time for the market to bounce back. Within a 401k you will find many other types of funds and they generally have a high expense ratio would could eat up into your retirement if you keep your money in these funds for a long time. Do think about transferring the assets out if you ever change employers to an individual IRA instead where you will have a lot more options for lower expense ratio ETF funds. In the mean while, you can also search for the lowest expense ratio fund that the 401k plan offers. Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush Try a 30-Day free GameFly trial here: http://www.gameflyoffer.com/beatthebush Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ My Channels: https://www.youtube.com/BeatTheBush https://www.youtube.com/BeatTheBushDIY
Просмотров: 12282 BeatTheBush
401k VS Roth IRA
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
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America's Retirement Crisis The Crisis in Retirement Planning
 
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https://tspreport.regalassets.com?campaign_id=7787 Corporate America really started to take notice of pensions in the wake of the dot-com crash, in 2000. Interest rates and stock prices both plummeted, which meant that the value of pension liabilities rose while the value of the assets held to meet them fell. A number of major firms in weak industries, notably steel and airlines, went bankrupt in large measure because of their inability to meet their obligations under defined-benefit pension plans. The result was an acceleration of America’s shift away from defined-benefit (DB) pensions toward defined-contribution (DC) retirement plans, which transfer the investment risk from the company to the employee. Once an add-on to traditional retirement planning, DC plans—epitomized by the ubiquitous 401(k)—have now become the main vehicles for private retirement saving. But although the move to defined-contribution plans arguably reduces the liabilities of business, it has, if anything, increased the likelihood of a major crisis down the line as the baby boomers retire. To begin with, putting relatively complex investment decisions in the hands of individuals with little or no financial expertise is problematic. Research demonstrates that decision making is pervaded with behavioral biases. (To some extent, biases can be compensated for by appropriately framing choices. For example, making enrollment in a 401(k) plan the default option—employees must opt out rather than opt in—has materially increased the rate of enrollment in the plans.) More dangerous yet is the shift in focus away from retirement income to return on investment that has come with the introduction of saver-managed DC plans: Investment decisions are now focused on the value of the funds, the returns on investment they deliver, and how volatile those returns are. Yet the primary concern of the saver remains what it always has been: Will I have sufficient income in retirement to live comfortably? Clearly, the risk and return variables that now drive investment decisions are not being measured in units that correspond to savers’ retirement goals and their likelihood of meeting them. Thus, it cannot be said that savers’ funds are being well managed. In the following pages I will explore the consequences of measuring and regulating pension fund performance like a conventional investment portfolio, explain how retirement plan sponsors (that is, employers) and investment managers can engage with savers to present them with meaningful choices, and discuss the implications for pension investments and regulation. These recommendations apply most immediately to the United States and the United Kingdom, which have made the most dramatic shift among developed nations toward putting retirement risks and responsibilities in the hands of individuals. But the trend toward defined-contribution plans is ubiquitous in Asia, Europe, and Latin America. Thus the principles of providing for retirement income apply everywhere. retirement planning articles, retirement planning tools, retirement planning companies, retirement planning spreadsheet, retirement planning guides, retirement planning 401k, early retirement planning, retirement information clearinghouse
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Employer 401(k) Behavior Determines Employee Retirement Outcomes
 
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While you might have heard the term behavioral finance, you have not heard my guest Stuart Ritter, from T. Rowe Price explain the origins, research and fundamentals behind why it is so important for employers to understand and embrace as they design their retirement plans. Stuart is a vice president and senior financial planner—designing, building, and implementing guidance and advice services to assist customers in achieving their financial goals. He has appeared on television and radio programs for networks like ABC News, Fox Business, and National Public Radio; and has been quoted by The Wall Street Journal, The New York Times, Kiplinger’s Personal Finance magazine, Money magazine, and other national news organizations. During our conversation, he shares useful and entertaining stories and analogies to help employers better understand the concepts of behavioral finance and why plan design options such as automatic enrollment and automatic increases are really not as foreign to employees as we may think. Check out the full episode here - http://apple.co/1rpVflQ
Просмотров: 70 Rick Unser
Lesson 21: Retirement Planning: Employer Qualified Plans, Individual and Small Business Plans (2017)
 
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This lesson is based off of Chapters 29 & 28 of the text for Finance 418. Professor Bryan Sudweeks of Brigham Young University teaches this lesson. All lesson materials are available online at: http://personalfinance.byu.edu/content/28-retirement-planning-3-employer-qualified-plans Objectives: 1.  Understand Employer Qualified Retirement Plans 2.  Understand Defined Benefit Plans 3.  Understand Defined Contribution Plans Objectives: 1.  Understand the difference between the traditional and Roth IRA 2.  Know when a conversion to a Roth makes sense 3.  Understand individual retirement accounts (IRAs) 4.  Understand retirement plans (QRPs) for the self-employed and small businesses
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How much should you save for your retirement? - Zee Business Interview
 
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We offer FREE Financial Literacy Awareness Program - FLAP both online and offline (Delhi) and Paid Financial Literacy Intensive programs- FLIP, which is an intensive course on Wealth Management & Investing successfully in the Stock markets . To REGISTER, Pleas VISIT us at: www.varunmalhotra.co.in Investing basics for beginners is another attempt by Mr. Varun Malhotra to explain to a know nothing investor that investing is simple. He also explains what investing means and how much one should save for his retirement. Facebook : https://www.facebook.com/www.eifs.in/ Instagram :https://www.instagram.com/varun.malhotra.eifs/?hl=en DISCLAIMER : These videos/comments and all other forms of communication are for educational purposes only and must NOT be taken as investment advice. The company/institute shall NOT be held liable for any loss suffered in any form by the student/member of public. Any information provided through classes/meetings/books/social media or any other form MUST NOT be considered Investment advice.
Просмотров: 47955 Varun Malhotra - EIFS
Retirement Investing Pitfall #8 - Excessive Single Stock Risk
 
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This video is going to touch on retirement investing pitfall #8 from my book, Plan Smart Retire Right. This is the risk of investing excessively in a single stock or company. Now every investor needs to decide how he or she wants to approach investing for retirement. And this is true, whether you pick investments yourself or hire an advisor to do it for you. However, investing in individual stocks involves certain risk. Single stock risk is the risk that something occurs relative to a specific company, causing the individual stock to decline, regardless of the overall market or sector. Let me give you an example; if your portfolio consists of several stocks and one of them enters bankruptcy - losing 100 percent of its value - your overall portfolio is likely to be significantly impaired, even if the general market is performing well. Instead, purchasing an ETF which invests in the S&P 500 index for example, a catastrophic event affecting one of the companies within the index won’t have the same devastating effect. You see, this is because each company only makes up a small part of the overall value of the index. So what does this teach us? While ETFs help address diversification among a variety of asset classes, they also typically eliminate the single stock risk associated with owning a few individual stocks. So, why do investors sometimes fall into the trap of taking excessive company risk with their retirement money? Well, one of the most prominent reasons for this is what is referred to as the unbalanced loss effect. I will explain this effect in our next video. Let me ask you this; are you taking too much single stock risk? Do you know what effect this can have on your overall retirement plan? If you’d like a 2nd set of eyes on your portfolio, give us a call and we’d be happy to perform a complimentary risk analysis for you. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Просмотров: 49 Bravias Financial
Investment Fraud Lawyer: Employee Retirement Stock Plan Fraud
 
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Jake Zamansky of Zamansky LLC, represents employees of public companies who have suffered significant losses in their employee retirement stock plan. When a company engages in fraud the stock price will often fall. If you were invested in a company stock plan that has dropped due to fraud visit our website or give us a call. For more information visit: http://www.zamansky.com/practices/erisa-employment-cases/ Zamansky LLC 50 Broadway 32nd Floor New York, NY, 10004 212-742-1414
Просмотров: 159 Zamansky LLC
Retirement Plans
 
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TO USE OR PRINT this presentation click : http://videosliders.com/r/287 ============================================================== Retirement Plans Overview of retirement plans Defined benefit plans (DB plan) Defined contribution plans (DC plan) Cash balance plans Tax advantages of retirement plans Retirement plan provisions and regulations INS301 Chapter 17 ,Overview of Retirement Plans Methods of receiving income during retirement: Private savings Social security Savings through employment-sponsored retirement plans (focus of this chapter) INS301 Chapter 17 ,Defined Benefit (DB) Monthly benefit during retirement is defined by a formula Employer contributes to a fund so pay the benefits Employer bears the investment risk of the fund INS301 Chapter 17 ,Defined Benefit Formulas Examples of monthly benefit formulas Hourly workers monthly benefit = $50 * (years of service) Salaried employees monthly benefit = 0.02 * (years of service) * (average salary during last five years of service) Question: for an employee worked 20 years and during the last five years of employment earned $3,000 a month, what is his monthly benefit? Replacement rates: retirement benefit as a % of final salary INS301 Chapter 17 ,Defined contribution (DC) the employee makes a specific (defined) contribution to a fund and the employer usually match a contribution Typically a percent of salary Retirement benefit is based on the accumulated value of the fund Employee bears the investment risk INS301 Chapter 17 ,Types of DC Plans Money purchase plans Contributions usually = % of employees salary Profit sharing plans Contributions based on firm’s profits Explicit (5% of pretax profit) discretion of board INS301 Chapter 17 ,Types of DC Plans 401(k) Employees can elect to make tax-deferred contributions Employees have discretion over contributions allocation of assets Many plans have employer matching Employees can withdraw funds prior to retirement under certain hardship conditions. INS301 Chapter 17 ,Types of DC Plans Employee Stock Ownership Plans (ESOPs) It is required to hold at least 50 percent of its assets in the sponsoring firm’s stock. ESOP plan can borrow money to purchase stock for employees (leverage ESOP) Financing tool for corporations and a means to place stock in friendly hands to prevent takeovers. INS301 Chapter 17 ,Growth in DC Plans Primarily reflects growth in 401(k) plans Why the movement toward DC plans? Partially due to the effects of increased regulation of defined benefit plans INS301 Chapter 17 ,Individual Retirement Accounts (IRAs) Traditional IRAs tax-deductible contribution and tax-deferred earnings for people Not in an employer-sponsored retirement plan in employer-sponsored retirement plan if their income is less than a certain amount for other people, up to $2000 contribution that is not tax deductible, but the investment earnings are tax deferred INS301 Chapter 17 ,Individual Retirement Accounts (IRAs) Roth IRAs Difference from traditional IRAs Contributions are not tax deductible Withdraws during retirement are not taxed, which implies that investment earnings escape taxation INS301 Chapter 17 ,Cash Balance Plans (Hybrid plans) From sponsor’s perspective – like DB plan Guaranteed rate of return It is subject to the same regulation as a DB plan From employee’s perspective – like DC plan Employee can identify their account balance Prior to retirement the account balance is portable INS301 Chapter 17 ,Tax Advantages of Retirement Plans A qualified plan receives tax advantages Taxed-deferred Contributions Contributions are not taxable as personal income until the benefits are received Tax-deferred investment earnings Earnings are not taxed until they are received INS301 Chapter 17 ,Other Tax Issues Effect of lower personal tax rates during retirement Increases advantages of tax deferral INS301 Chapter 17 ,Plan Provisions and Regulations ERISA Employee Retirement Income Security Act of 1974 Imposed numerous regulations Nondiscrimination rules Vesting requirements cliff vesting at 5 years graded
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Are 401k Retirement Funds Safe? Stock Market Losses (2008)
 
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In the United States, a 401(k) plan is the tax-qualified, defined-contribution pension account defined in subsection 401(k) of the Internal Revenue Code. Under the plan, retirement savings contributions are provided (and sometimes proportionately matched) by an employer, deducted from the employee's paycheck before taxation (therefore tax-deferred until withdrawn after retirement or as otherwise permitted by applicable law), and limited to a maximum pre-tax annual contribution of $18,000 (as of 2015). Other employer-provided defined-contribution plans include 403(b) plans, for nonprofit institutions, and 457(b) plans for governmental employers. These plans are all established under section 401(a) of the Internal Revenue Code. 401(a) plans may provide total annual addition of $52,000 (as of 2014) per plan participant, including both employee and employer contributions. With either pre-tax or after-tax contributions, earnings from investments in a 401(k) account (in the form of interest, dividends, or capital gains) are tax-deferred. The resulting compounding interest with delayed taxation is a major benefit of the 401(k) plan when held over long periods of time.[9] Beginning in the 2006 tax year, employees have been allowed to designate contributions as a Roth 401(k) deduction. Similar to the provisions of a Roth IRA, these contributions are made on an after-tax basis. For pre-tax contributions, the employee does not pay federal income tax on the amount of current income he or she defers to a 401(k) account, but does still pay the total 7.65% payroll taxes (social security and medicare). For example, a worker who otherwise earns $50,000 in a particular year and defers $3,000 into a 401(k) account that year only reports $47,000 in income on that year's tax return. Currently this would represent a near $750 term saving in taxes for a single worker, assuming the worker remained in the 25% marginal tax bracket and there were no other adjustments (e.g., deductions). The employee ultimately pays taxes on the money as he or she withdraws the funds, generally during retirement. The character of any gains (including tax-favored capital gains) is transformed into "ordinary income" at the time the money is withdrawn. If the employee made after-tax contributions to the non-Roth 401(k) account, these amounts are commingled with the pre-tax funds and simply add to the non-Roth 401(k) basis. When distributions are made the taxable portion of the distribution will be calculated as the ratio of the non-Roth contributions to the total 401(k) basis. The remainder of the distribution is tax-free and not included in gross income for the year. For accumulated after-tax contributions and earnings in a designated Roth account (Roth 401(k)), "qualified distributions" can be made tax-free. To qualify, distributions must be made more than 5 years after the first designated Roth contributions and not before the year in which the account owner turns age 59½, unless an exception applies as detailed in IRS code section 72(t). In the case of designated Roth contributions, the contributions being made on an after-tax basis means that the taxable income in the year of contribution is not decreased as it is with pre-tax contributions. Roth contributions are irrevocable and cannot be converted to pre-tax contributions at a later date. (In contrast to Roth individual retirement accounts (IRAs), where Roth contributions may be re characterized as pre-tax contributions.) Administratively, Roth contributions must be made to a separate account, and records must be kept that distinguish the amount of contribution and the corresponding earnings that are to receive Roth treatment. Unlike the Roth IRA, there is no upper income limit capping eligibility for Roth 401(k) contributions. Individuals who find themselves disqualified from a Roth IRA may contribute to their Roth 401(k). Individuals who qualify for both can contribute the maximum statutory amounts into either or a combination of the two plans (including both catch-up contributions if applicable). Aggregate statutory annual limits set by the IRS will apply. http://en.wikipedia.org/wiki/401%28k%29
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Employee Stock Ownership Plan EC Barton & Company
 
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E.C. Barton & Company invests in their partners and their futures by offering an Employee Stock Ownership Program allowing you to be a partner of the company rather than just an employee. What this means for you is a retirement plan that the company pays in to on your behalf!
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Warren Buffett: Investment Advice & Strategy - #MentorMeWarren
 
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He's the chairman, CEO and largest shareholder of Berkshire Hathaway. He's the most successful investor in the world. He's consistently ranked among the world's wealthiest people. (He has an estimated net worth of US$66.4 billion) MentorMe Warren. .:;$ JOIN MY #BELIEVE NEWSLETTER $;:. This is the best way to have entrepreneur gold delivered to your inbox, and to be inspired, encouraged and supported in your business. Join #BelieveNation and feel the love. http://www.evancarmichael.com/newsletter/ .:SOURCES:. 1. https://youtu.be/Mh1G1DiJ1oI?t=7m39s 2. https://youtu.be/t69G17HCl4Y 3. https://youtu.be/S98O2gFBEPo?t=10m50s 4. https://youtu.be/S98O2gFBEPo?t=54s 5. https://youtu.be/cSU3y0N60XU?t=28m21s 6. https://youtu.be/gUAtVyWS_4Y?t=1m54s .: WHAT IS #BTA? :. Why do people keep ending comments with #BTA?: https://www.youtube.com/watch?v=BsY8bmTUVP8 .: SUBSCRIBE TO MY CHANNEL :. If you want to do great things you need to have a great environment. Create one by subbing and watching daily. http://www.youtube.com/subscription_center?add_user=Modelingthemasters .: CAPTION THIS VIDEO :. If you loved this video, help people in other countries enjoy it too by making captions for it. Spread the love and impact. https://www.youtube.com/timedtext_video?v=d0XKtUXgpOw .: CONNECT WITH ME :.Leave a comment on this video and it'll get to me. Or you can connect with me on different social platforms too: Twitter: https://twitter.com/evancarmichael Facebook: https://www.facebook.com/EvanCarmichaelcom Google+: https://plus.google.com/108469771690394737405/posts Website: http://www.evancarmichael.com .: MORE ABOUT ME PERSONALLY :. About: http://www.evancarmichael.com/about/ Coaching: http://www.evancarmichael.com/movement/ Speaking: http://www.evancarmichael.com/speaking/ Gear: http://evancarmichael.com/gear .: VIDEO SCHEDULE :. Top 10 Rules for Success - Weekdays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM0VWRGYCfuUCdyhKfU733WX #Entspresso - Weekdays at 7am EST : https://www.youtube.com/playlist?list=PLiZj-Ik9MmM0-kQSSs3Ua5wExlz1HwRRs #BelieveLife - Sundays at 7am EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM207_RQCOPAwZdKYXQ4cqjV #EvansBook - Saturdays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM1tNSh0CjOsqIg1fw7bAPt4 Life with Evan - Sundays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM19tzfHH_VJOnghbfdRPZjS Thank you for watching - I really appreciated it :) Cheers, Evan #Believe
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Inside Look: Employee Stock Ownership Plan
 
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Hear from Isaac the distinct value he places in our ESOP plan.
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[FAQ] CRASH PLANNING: 401k, Annuities, ETF's, IRA, Stocks & Bonds
 
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New to ITM Trading? Get your FREE ITM INVESTMENT GUIDE: http://info.itmtrading.com/thanks-yt-free-guide/?ytv=PSM09282018 Link to Slides and Sources: https://www.itmtrading.com/blog/fiat-money-wealth-returns-intrinsic-value/ People want to believe in the current system. They are counting on that wealth for their current and future financial security. If numbers go up it makes them feel richer, even though most now have this gut feeling that something is just not quite right. I would say, TRUST YOUR GUT. Central bankers and Wall Street know that this is the end of the debt cycle, and all of that debt-based fiat money will have to be reset against gold. That’s why they’ve been accumulating and why you should too. And if you want to know what to actually DO about all of this, that's what we specialize in at ITM Trading. How do you protect your wealth for the next collapse and financial reset? Yes Gold and Silver, but what types? How much of each? What strategy? If you're asking these questions you're already ahead of the game... We're here to assist you, as it is our mission to safeguard the public from the inevitable downfall of the dollar. We are the most recommended precious metals company in the industry for good reason, because we treat you just as prestigious as our gold. Find out if you're properly protected today... We are here to serve you: 877-410-1414 You can also email us at: Services@ITMtrading.com For Instant Updates and Important News, please follow us on: https://www.ITMTrading.com https://twitter.com/itmtrading https://twitter.com/itmtrading_zang https://facebook.com/ITMTrading By ITM Trading's Lynette Zang ITM Trading Inc. © Copyright, 1995 - 2018 All Rights Reserved.
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The 4 Best Investment Ideas You Can Make (for 2018)
 
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It's THAT time... Happy New Year party people 🎉🎉. If you've got money to invest in 2018 but no idea where to put it? This video is for you... yes, YOU. I'm sharing my 4 best investment ideas with you as we ring in 2018. ▶︎ #1 - INVEST IN THE STOCK MARKET While everybody may say to invest in the stock market... the reality is, a lot of people do not even do it. Do you? ▶︎ What is "dollar cost averaging"?? And how is it going to calm your fears with the ups and downs of the stock market? ▶︎ Where do I think you should invest? #FreeAdvice *** HERE ARE MY FAVORITE PLATFORMS TO START INVESTING *** ✅ Betterment - Best company if you don't want to choose the investments. They do all the pickin' for you! https://www.goodfinancialcents.com/resources/betterment-youtube-roth-ira-millionaire.php ✅ Ally Financial - Pick stocks, ETFs, Mutual Funds, etc with the help of their tollfree number! https://www.goodfinancialcents.com/resources/ally-youtube-best-investments-2018.php ✅ TD Ameritrade - The best online broker for online stock trading, long-term investing, and retirement planning. https://www.goodfinancialcents.com/resources/tdameritrade-youtube-best-investments-2018.php ✅ Etrade - You're in full control of your financial future with them. They have the information, the analysis, and the online investing & trading tools you need. Have at it. https://www.goodfinancialcents.com/resources/etrade-youtube-best-investments-2018.php ▶︎ Individual Stocks? STAND BACK, YO! ✋ ▶︎ #2 - INVEST IN PEER TO PEER LENDING Do I sound like a broken record yet? I'm always talking about peer to peer lending and the benefits. A few peer to peer lending providers I like include: ✅ Lending Club - It's a place where borrowers and lenders alike can connect and make magic happen. https://www.goodfinancialcents.com/resources/lendingclub-youtube-best-investments-2018.php ▶︎ #3 - INVEST IN REAL ESTATE This is the part where I lost my butt investing and I'm really hoping I can save you from making the same mistakes I've made. ▶︎ Without being a landlord... there are other ways to invest in real estate - check it out! ▶︎ What is Fundrise? And why am I recommending it as part of your investment strategy? GET THE DETAILS ➡ ✅🏘 https://www.goodfinancialcents.com/resources/fundrise-youtube-best-investments-2018.php ▶︎ #4 - INVEST IN YOURSELF Surprised that I'm calling that a real kind of investment? Whether it is reading more or taking an online course on a site like Udemy or Skillshare, investing in yourself is the best thing you can do in 2018. ▶︎ What course I paid $3,500 for to learn something... CRAZY? No way! ▶︎ Bitcoin? My thoughts are all here... and here's WHY I'm not investing in it, yet. ★☆★ Want More Good Financial Cents? ★☆★ 💻 Check out my blog here: https://www.goodfinancialcents.com/ Listen to my podcast here: 🎙 https://itunes.apple.com/us/podcast/good-financial-cents-podcast-investing-building-wealth/id775107294?mt=2 Pick up my best selling book, Soldier of Finance, here: 📗 http://amzn.to/2xOH78V Connect with me on Twitter: https://twitter.com/jjeffrose My most favorite inspiration T-shirt line, Compete Every Day: 👕 https://www.goodfinancialcents.com/compete
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top 5 mutual funds in India 2018 | Top 5 Best SIP Mutual Funds in India in 2018 |mutual funds online
 
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Hello friends in this video we will see Top Mutual funds in 2018. Equity Based mutual funds in large cap companies. SIP investment in 2018. ---------------------------------------------------------------------------------------------------- Share, Support, Subscribe!!! Subscribe: https://goo.gl/yNw13g Youtube: http://www.youtube.com/c/Finbaba Twitter: http://www.twitter.com/finbabaIndia Facebook: http://www.facebook.com/finbabaIndia Instagram: http://instagram.com/finbabaIndia ----------------------------------------------------------------------------------------------------- Subscribe Our Channel click Here for Latest Video https://goo.gl/yNw13g ----------------------------------------------------------------------------------------------------- Related Videos : SIP investment : https://youtu.be/Zh7dmWzqXWY Save Tax under section 80C : https://youtu.be/y5Sat6TcJHs Mutual funds : https://youtu.be/-gP4HfMCeBQ Gold ETFS :https://youtu.be/EPjiho6m1XI Arbitrage fund : https://youtu.be/3oyryG22H4I How to find stop loss : https://youtu.be/jZugeeEVSP0 FCNR account : https://youtu.be/G4GFoQFy_RI Stock Market Tax : https://youtu.be/hcYDeXEW6eY Stock Split : https://youtu.be/NQpW2oBemyk How to Buy Share Onlie https://youtu.be/g8Eb1LVNXM0 What is Cnadle stick https://youtu.be/-Sjhv7h3IT8 ------------------------------------------------------------------------------------------------------- Open Demat account :https://zerodha.com/open-account?c=ZMPASV ------------------------------------------------------------------------------------------------------- About: FinBaba is a you-tube channel, where you can get Information about Banking, finance, Stock market basic and Advance, Forex, Mutual funds and many more. Thanks For Watching this Video. !
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401(k) and IRA 101 (Investing Basics 3/3, Retirement Basics 1/2)
 
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In this video, you'll learn everything you need to know about retirement accounts such as 401(k)s, 403(b)s, and IRAs! We cover the difference between Roth and Traditional retirement accounts, when to choose an IRA over a 401(k), what happens to your 401(k) when you leave your company, and much more! Investment account recommendations: https://www.moneycoach.io/recommendations/roboadvisors Next video: https://www.moneycoach.io/videos/retirement/2 More of a text based learner? See the transcript and citations here: Investing: http://bit.ly/2fs5Kma Please leave us any feedback here: https://goo.gl/REmdfD
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Pop Quiz: Stock Market
 
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If you have a company sponsored retirement plan at work, odds are you've got a stock mutual fund in the mix. But do you really understand how stocks work?
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THE ROOM OF RETIREMENT: Investing & Retirement EXPLAINED!
 
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Investing and retirement accounts are great ways to make and save money. But what the heck IS a 401K, or a stock or mutual fund or dividend?! Let's learn how to fill your Gringotts vault just like Harry Potter! Support How to Adult on Patreon at http://www.patreon.com/howtoadult HOW TO ADULT Posters Now Available from DFTBA Records! http://store.dftba.com/collections/how-to-adult Merchandise from Mike (including "Reading Changes Us" and "Everything Not Saved Will Be Lost" posters!): http://store.dftba.com/collections/t-michael-martin VIDEO LINKS: Compound interest calculator: http://www.moneychimp.com/calculator/compound_interest_calculator.htm Info on average stock market returns: http://www.moneychimp.com/features/market_cagr.htm Info on retirement account fees: http://www.bankrate.com/finance/retirement/take-steps-to-curb-retirement-plan-fees-1.aspx Roth IRAs vs 401(k)s: http://time.com/money/3404604/401k-roth-ira-max-out-first/ ; http://www.bankrate.com/finance/retirement/roth-ira-beats-401-k-in-key-ways-1.aspx "How to Adult" is a "life skills" edutainment channel brought to you by Executive Producers Hank Green and John Green. Subscribe for new videos every week! Tumblr: http://learnhowtoadult.tumblr.com Twitter: http://www.twitter.com/learnhowtoadult Facebook: http://www.facebook.com/learnhowtoadult Created by: Emma Mills & T. Michael (Mike) Martin http://www.youtube.com/elmify http://www.youtube.com/tmikemartin Mike is also a Young Adult novelist. His book, THE END GAMES, is available at all online booksellers, including Indiebound (http://www.indiebound.org/book/9780062201812?aff=tmichaelmartin ) and Amazon: (http://www.amazon.com/gp/product/0062201816/ref=as_li_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=0062201816&linkCode=as2&tag=tmicmar-20&linkId=CF4ULRBEW6LATV3C) Written by: Alan Lastufka & T. Michael Martin (alandistro.tumblr.com) Directed by: T. Michael Martin Edited by: Nathan Talbott (http://www.youtube.com/nathantalbott) Executive Producers: Hank & John Green http://www.youtube.com/vlogbrothers
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Money Guru : Experts advice on retirement planning | Part I
 
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Watch this special segment and get to know about, What is the correct time to plan for retirement? and get to know, why retirement planning is important? To know more watch this full video here. Zee Business is one of the leading and fastest growing Hindi business news channels in India. The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit. Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news. Some of the popular shows of Zee Business are: Share Bazar, Mandi Live, Aap Ka Bazar, First Trade, Big Debate etc.
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Retirement Planning Explained - Best Retirement Plans Review
 
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What are the best retirement plans – What is retirement planning fully explained? http://www.RetireSharp.com 1-800-566-1002. What are the best types of retirement plans and learn how you can avoid the most common mistakes that individuals have made when looking to set up retirement planning for their goals. Retirement Planning With Annuities You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors. Many financial professionals suggest that you'll need about 70 percent of your current annual income to fund your retirement. This can be a good starting point, but will that figure work for you? It depends on how close you are to retiring. If you're young and retirement is still many years away, that figure probably won't be a reliable estimate of your income needs. That's because a lot may change between now and the time you retire. As you near retirement, the gap between your present needs and your future needs may narrow. But remember, use your current income only as a general guideline, even if retirement is right around the corner. To accurately estimate your retirement income needs, you'll have to take some additional steps. Your annual income during retirement should be enough (or more than enough) to meet your retirement expenses. That's why estimating those expenses is a big piece of the retirement planning puzzle. But you may have a hard time identifying all of your expenses and projecting how much you'll be spending in each area, especially if retirement is still far off. Don't forget that the cost of living will go up over time. The average annual rate of inflation over the past 20 years has been approximately 2.5 percent. (Source: Consumer price index (CPI-U) data published annually by the U.S. Department of Labor, 2013.) And keep in mind that your retirement expenses may change from year to year. For example, you may pay off your home mortgage or your children's education early in retirement. Other expenses, such as health care and insurance, may increase as you age. To protect against these variables, build a comfortable cushion into your estimates (it's always best to be conservative). Finally, have a financial professional help you with your estimates to make sure they're as accurate and realistic as possible. Decide when you'll retire To determine your total retirement needs, you can't just estimate how much annual income you need. You also have to estimate how long you'll be retired. Why? The longer your retirement, the more years of income you'll need to fund it. The length of your retirement will depend partly on when you plan to retire. This important decision typically revolves around your personal goals and financial situation. For example, you may see yourself retiring at 50 to get the most out of your retirement. Maybe a booming stock market or a generous early retirement package will make that possible. Although it's great to have the flexibility to choose when you'll retire, it's important to remember that retiring at 50 will end up costing you a lot more than retiring at 65. The age at which you retire isn't the only factor that determines how long you'll be retired. The other important factor is your lifespan. We all hope to live to an old age, but a longer life means that you'll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income sources. To guard against that risk, you'll need to estimate your life expectancy. You can use government statistics, life insurance tables, or a life expectancy calculator to get a reasonable estimate of how long you'll live. Experts base these estimates on your age, gender, race, health, lifestyle, occupation, and family history. But remember, these are just estimates. There's no way to predict how long you'll actually live, but with life expectancies on the rise, it's probably best to assume you'll live longer than you expect. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: retirement plans Best retirement planning Top retirement plans Retirement planning for dummies Retirement planning for beginners What are the best strategies for retirement plans so that I can avoid critical retirement planning mistakes? https://www.youtube.com/watch?v=fCOH4xL5z-Y
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How to rollover 401k | Retirement planning
 
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Website www.jazzwealth.com Facebook https://www.facebook.com/JazzWealth/ Instagram https://www.instagram.com/jazzwealth/ Investment related questions 📧 Dustin@JazzWealth.com Business Affairs 📧Carolyn@JazzWealth.com
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Retirement Security
 
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Employee-owners describe the benefits of retirement security from their companies' ESOPs.
How To Become A MILLIONAIRE! (5 Simple Investment Tips To Retire RICH)
 
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