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Selecting Investments In Your 401(k)
Selecting Investments In 401(k) Selecting investment in your 401(k) can be a daunting task. Many people have 401(k) plans through their employer, yet very few of them have ever received education or recommendations on how to invest within their retirement account. Although retirement accounts are a great tax saving vehicle, it is important that you take an active role in managing your 401(k) to be sure you are setting yourself up for retirement success. Many times, 401(k)'s will offer a limited number of investment options. Some companies will offer employer stock in additional to a handful of mutual funds. Other 401(k)'s have a brokerage link option, which allows you to invest in almost any mutual fund in the market. You will have to talk with your HR department to determine your options. Here are some dos and don'ts to help get you started: Don't invest in company stock I do not recommend investing in company stock through your 401(k) (or in any other account for that matter). Why? For most people, their greatest asset is their ability to earn money. This means your greatest asset is reliant upon your company. Investing in company stock is simply putting too many eggs in the same basket. If your company fails, you will lose your job. This is bad enough without having to worry that your retirement account just lost all of its value. When in doubt, just think Enron. Don't select every investment option I frequently see clients select every investment option in their 401(k). Clients will put 10% of their account into each of the 10 funds offered by the 401(k). The reason this is a bad idea is because the funds aren't necessarily diversified. If 8 of the 10 mutual funds are 100% stock funds, then you may have way too much stock in your portfolio and not be properly diversified. Do look at the expense ratios Mutual funds charge an expense ratio which is effectively a management fee. Although the management fee is necessary for the mutual fund to operate, fees vary greatly between funds. Expense ratios directly lowers your returns, however you won't see these fees come out of your account because they are deducted directly by the mutual fund. I like to see expense ratios under .4%, and even lower if possible. Stay away from the actively managed funds, as these will carry fees of 1% or even more. Remember, a 1% fee means 1% less in return for you. Do select index funds Most 401(k)'s these days give access to index funds. Many times these are Vanguard funds, however they can certainly be from other companies. Index funds will usually have an index such as the S&P 500 or MSCI EAFE (International stocks) in the name of the fund. These will almost always have the lowest expense ratios, so that is another way to spot an index fund. If index funds are not an option, a target dated fund may be the next best thing. I'm not the biggest fan of them, but sometimes it is the best you can do! Do consult an investment advisor I wish it was easy enough to invest in 401(k)'s without needing an investment advisor, but there are a lot of pitfalls you need to be wary of. Consulting an investment advisor will help ensure you are properly diversified, not only in your 401(k), but in your portfolio as a whole. Some investment advisors now charge by the hour for investment recommendations in a 401(k), so it can be a very cost effective way to be sure you are on the right path for retirement. So what do you think? How do you currently make investment decisions in your 401(k)? Does this help clarify how to invest in your 401(k)? Feel free to share in the comments section!
Просмотров: 24163 Alan Moore
Retirement Plans: Last Week Tonight with John Oliver (HBO)
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: 9692026 LastWeekTonight
Should you invest in your company 401k retirement plan
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: 1997 Jazz Wealth Managers
Single Stocks - A Monkey Can Invest Better Than Experts
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: 44891 The Dave Ramsey Show
An Introduction to Employee Stock Ownership Plans (ESOPs)
Dan Zugell, Senior Vice President of Business Transition Advisors, gives a brief outline of Employee Stock Ownership Plans. Topics covered include: a) what is an Esop? b) How does it work? c) Who benefits most from Esops? d) How do businesses and employees benefit from Esops? An Employee Stock Ownership Plan is a qualified, defined contribution employee retirement plan designed to invest primarily in employer stock of a sponsoring company. ESOPs provide an opportunity for business owners or shareholders to successfully plan an immediate or gradual tax advantaged exit strategy, while engineering the continued success of the business. For more information on ESOPs, please visit: http://www.momentumap.com/actuarialdesign For more about Business Transition Advisors, please visit: http://www.BusinessTransitionAdvisors.com
Просмотров: 10622 Momentum Advanced Planning
What is a 401(k) | by Wall Street Survivor
What is a 401(k)? Find out at: https://www.wallstreetsurvivor.com A 401k is a workplace savings plan that allows you to build wealth by investing a portion of your pay check in assets such as stocks, mutual funds, or real estate investment trusts (REITs). It is also the primary way employers help their employees prepare for retirement, and has the added benefit of allowing an employee to invest part of their salary before taxes are taken out. While all 401k plans offer tax breaks to retirement savers, many other features of these retirement accounts differ, sometimes significantly, by employer. 401k plans are an effective way to shelter money from taxes because your contributions are deducted from your taxable income. So if you made $50,000 last year and invested $10,000 in your 401k, you’d only have to pay taxes on the remaining $40,000. This can be a great tactic, especially for people who live well within their means and can afford to save a big chunk of their salary. Learn more about 401(k) plans with Wall Street Survivor's Building Your Nest Egg course: http://courses.wallstreetsurvivor.com/is/20-building-your-nest-egg/
Просмотров: 195949 Wall Street Survivor
Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears
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: 41149 VOA Learning English
Mark Cuban explains why a 401(k) is a no-brainer
Billionaire entrepreneur and "Shark Tank" co-host Mark Cuban stopped by the office to talk about a number of topics. In this video he tells us why investing in a 401(k) is both easy and wise. Mark Cuban is the creator of Cyber Dust, a private messaging app. His user name is +blogmaverick. -------------------------------------------------- Follow BI Video on Twitter: http://bit.ly/1oS68Zs Follow BI Video On Facebook: http://on.fb.me/1bkB8qg Read more: http://www.businessinsider.com/ -------------------------------------------------- Business Insider is the fastest growing business news site in the US. Our mission: to tell you all you need to know about the big world around you. The BI Video team focuses on technology, strategy and science with an emphasis on unique storytelling and data that appeals to the next generation of leaders – the digital generation.
Просмотров: 234060 Business Insider
Ask Fidelity: What to Do with My Old 401(k)? | Fidelity
In this video, Sarah Walsh, VP of Retirement Solutions at Fidelity answers the retirement question, “I just got a new job. What should I do with my old 401(k)?” For more information about rolling over an old 401(k), visit https://www.fidelity.com/viewpoints/retirement/401k-options To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------ I just got a new job. What should I do with my old 401(k)? Many people have questions about what to do with the savings in an old 401(k). Generally, you have four different options. The first is not one we would suggest. And that is taking the money in cash. Not only will you owe taxes on the money, you’ll also owe a 10% penalty, if you’re under the age of 59 ½, so let’s that take that one off the table. That leaves us with three other options. As long as you have more than $5k in your account, you can leave the money right where it is. You could also think about rolling the money into your new employer’s plan, as long as the plan allows. Finally, you can consider rolling into an IRA, or an individual retirement account. There are several considerations you want to think about when deciding which account is right for your savings. You want to look at any fees and expenses associated with the accounts. You’ll also want to think about investment options. Your employer plan might offer you unique or specially priced options that are only available in the plan, where in an IRA, you generally have access to a wider range of investment options than available in your plan. You’ll also want to think about any services or features associated with the accounts, such as investment guidance or access to online trading capabilities, if those things are important to you. There are a few other considerations, which only apply in certain circumstances, such as if you need access to the money or if you’re approaching age 70 ½ and need to start thinking about taking required distributions. You’ll also want to consider if you have highly appreciated company stock, or for some people, creditor protection is important. If any of those apply to you, you’ll definitely want to talk to somebody. As you can see, you do have options for money left in an old 401(k). The good news is we can help you make the best decision for your retirement savings. Just give us a call or go online. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 731084.2.0
Просмотров: 7222 Fidelity Investments
How employers can help employees plan for retirement
Cheryl Krueger, FSA, discusses how employers can help employees with financial planning and retirement planning. Employees have to plan for retirement more than any generation past, and there is more emphasis placed on personal retirement funding supported by employer contributions.
Просмотров: 187 SocietyofActuaries
Company stock in your 401(k) at retirement? Save yourself thousands using these techniques.
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: 101 Retirement Matters, Inc.
Don't Invest In Your Company's Pension Plan - Dave Ramsey Rant
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: 14899 The Dave Ramsey Show
Employee Retirement Plan Services - Little Rock Arkansas
Rob Thorpe, Director of Qualified Plans at Hagan Newkirk shares 3 Big Reasons why Retirement Plan Sponsors choose Hagan Newkirk to be their Retirement Plan Advisor. Hagan Newkirk specializes in Employee Retirement Plan Services! Unlike bankers and stock brokers who sell primarily "products" Hagan Newkirk is focused on retirement planning as a core business. Hagan Newkirk never receives commissions and we are completely agnostic when it comes to helping companies choose the right funds for their employee retirement plans. We are also Fiduciary Advisors. Changes in the Department of Labor's Fiduciary Rule are important to be aware of, Hagan Newkirk can help employers navigate changes. Benchmarking your Employee Retirement Plan on an annual basis by an independent, unbiased source is also very important to the ongoing success of your employee retirement plan. Ask yourself the following questions and contact Hagan Newkirk if you aren't sure how to answer them: 1) Are your retirement plan fees reasonable? 2) Do you have access to all publicly traded mutual funds or just those funds your record keeper allows you to choose from? 3) Is your investment performance above average? 4) Do you have institutional share classes of the mutual funds in your lineup? 5) Do you utilize an independent, fiduciary process to select, monitor and replace funds or do you simply take your advisor or vendor's "research"? 6) Are the services provided by your existing advisor worth the compensation they are receiving? Contact the Employee Retirement Plan Experts at Hagan Newkirk and let us show you what we can do for you! Hagan Newkirk Telephone: (501) 823-4637 Fax: (501) 823-0941 Email: info@hagan-newkirk.com Visit our Office: 6325 Ranch Drive, Little Rock, AR 72223 Our office is open Monday through Friday from 8:30 a.m. to 4:30 p.m.
Просмотров: 73 Hagan Newkirk Financial Services
How Good Is Your Company's Retirement Plan? [Investors Help]
Would you like to know how good is your company's retirement plan? Want to compare your plan to another? How many investment options are available within your company plan? Want free details regarding your retirement plan? All of this is available in this resource so that you can select the best plan for your retirement years. The website url is also provided in this video for free access to this important retirement information. Please check it out and put your mind at ease. Correction: The retirement net plan assets for Google are $1.6 billion, not $1.6 Trillion. (Sorry)
Просмотров: 99 Joe Gruender Jr.
5 Things To Do 5 Years Before Retirement
For more information on our WealthVision Financial Plan check out our info page here; http://moneyevolution.com/wealthvision/ For access to the 7 Core Elements of Retirement Planning Video Series and Action Guide Click here. http://moneyevolution.com/7-core-elements-yt/ In today's video, I'm going to be talking about Five Things That You Should Do When You're Five Years Away From Retirement. So right off the bat, number one is Get Organized. If you're planning for retirement you might have a lot of your financial information scattered into a whole lot of different places. Maybe you've got some 401K plans at work, or some IRA accounts. Maybe your spouse has some retirement plans or old pension benefits. So the first thing you want to do is bring all of that information together. We also want to start identifying how some of those retirement resources are going to be able to work for you to provide you with the retirement lifestyle that you want. We call it your Retirement Gap. Fortunately, we have a couple of tools available to help you with this process. One of these tools is our 7 Core Elements of Retirement Planning Video Series and Action Plan. It’s a do-it-yourself type of a plan where you can start to get some of this financial information organized. Of course, we also do financial planning as well. We call it our WealthVision Comprehensive Financial Plan where we do it for you. Number two is we want to look at how we can kind of optimize the retirement assets that you have. We call this shift money to tax advantaged accounts. So as you approach retirement, we find that your cash flow tends to improve. Maybe your kids have moved out of the house, you're done paying for college, they're kind of self-sufficient on their own. Hopefully if your career and your job are going well you're making a little bit more money. So you might have more cash flow available to save money for retirement, but we also want to look at where some of that money is being saved. What we find for a lot of people is they have money in non-retirement accounts, taxable accounts that you have to pay income taxes every year on. We look for ways or opportunities for you to shift that over into tax advantaged accounts. So take a look at your accounts. Are you maxing out your 401K plan? Some 401K plans allow you to save an additional 10% in an after-tax savings vehicle. There's a recent tax law that now allows you to move that money directly to a Roth IRA account, even if you're over the income limits. You can contribute money to IRA accounts or Roth IRA accounts. Number three is Know Your Healthcare Options. Understanding this is very important because there are some big, big price tags on this. If you're working, and your employer is offering healthcare insurance now, you want to visit the HR department. Find out what they do about, if anything, in retirement. Are there any options to continue that healthcare, especially if you are going to be retiring prior to age 65 when you're eligible for Medicare. If you're married, check out what your spouse offers too, and compare those different plans. Start putting together some idea of how much that healthcare is going to cost because you don't want to get blindsided by it. There was a recent study by JP Morgan a couple years ago, and they said that if you had to go out into the Affordable Care Act exchanges, for a 64-year-old it would cost about $8400 a year per person for just a Silver Plan. That's not even the top-level plan! So understand what those options are, and check with your employer. Number four is think about your Plan For Income. Hopefully, if you've done some financial planning, you've identified some of your gaps. You want to know where those gaps are, and how much money will you potentially have to pull out of your retirement accounts. Are you eligible to take money out of those retirement accounts? Are you over 59 and a half if it's an IRA, are you over 55 if it's a 401K? You don't want to get hit with any penalties. Start planning out what that income strategy's going to be, and have some of that money in a more conservative investments so you're not blindsided by, “Oh my gosh, I'm retiring, I need to take $20,000 out of a retirement account and guess what, the stock market's down”. So think about that plan for income and where's the money going to come from. Number 5, and I love this one, because I think it kind of fulfills two issues here with retirees, is to Consider a Semi-Retirement. I think the idea for most of us, and in fact what I think about my own retirement is the idea of working 40, 50 hours a week, and then all of a sudden one day just throwing in the towel and never working again just sounds a little bit abrupt. (continued on blog) http://moneyevolution.com/2018/04/23/5-things-to-do-5-years-before-retirement/
Просмотров: 41770 Money Evolution
Can my employer take my retirement money if I am fired?
If you're fired, can your employer take or withhold money you have put into retirement funds or accounts? The answer depends on the types of retirement plans you have. Check out the complete article: https://employment-law.freeadvice.com/employment-law/pensions_benefits/retirement_money.htm Head over to our Fringe Benefits Forum if you have questions: https://forum.freeadvice.com/fringe-benefits-95/ Got a legal question or need an attorney? Visit AttorneyPages: https://attorneypages.com More Resources: FreeAdvice on Employer Conduct: https://employment-law.freeadvice.com/employment-law/pensions_benefits/534/ FreeAdvice on Insurance/Retirement/Benefits: https://employment-law.freeadvice.com/employment-law/pensions_benefits For more great videos, visit the FreeAdvice Law Channel: https://www.youtube.com/user/FreeAdviceLaw DISCLAIMER: This video contains general information prepared by the professional staff of FreeAdvice.com, is not legal advice, and is provided AS IS. To locate attorneys who provide clients with personal legal advice, visit AttorneyPages.com: https://attorneypages.com.
Просмотров: 405 FreeAdvice.com
Retirement Security
Employee-owners describe the benefits of retirement security from their companies' ESOPs.
Investment Fraud Lawyer: Employee Retirement Stock Plan Fraud
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: 152 Zamansky LLC
Should We Put More Than 15% Of Income Towards Retirement?
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: 96173 The Dave Ramsey Show
Vanguard Group founder on how to manage your 401 (k) plan
Vanguard Group Founder Jack Bogle on index funds and how people should manage their 401 (k) plans.
Просмотров: 11065 Fox Business
When Can I Get My ESOP Money?
When Can I Get My ESOP Money? KNOW MORE ABOUT When Can I Get My ESOP Money? How you can make the most of your employee stock options. The company might also choose to give you the shares, which then have 60 days sell back at appraised fair market value if quit or are laid off, esop distributions deferred for six years under irs regulations. How to cash out an esop distribution of due the termination employment. Of course the employee can choose not to exercise his option suppose market value is rs. The share portion may be cashed in, so you will get cash for the shares as well. Esop diversification and getting your money esop as salary package? Know about taxation. What happens to vested esop if you leave the company and when can i get my money? Youtube. Googleusercontent search. Cash out an esop after quitting budgeting money the nest. 150 at that time, the employee can get the companies can give esops to employees when they are short on cash as an 12 dec 2012 can i cash out my company esop? Depending on the plan, the employee may have to pay something (usually a discounted stock price) or esops are 'qualified' in the sense that the esop's sponsoring company, the selling senior employees may also be given the benefit of getting more shares phantom stock provides cash bonuses for good employee performance 21 jul 2009 the esop's plan document did say no non hardship payouts before age do you have to take the money in a lump some, or may it be spread. Employee stock ownership plan (esop) investopedia. Esops in india benefits, tips, taxation & calculator. Esops invest plan assets primarily in shares of the employer's stock what you need to know about tax implications esops or employee options. When will i be paid? The esop participant's guide to nceo articles participant distribution rules "imx0m" url? Q webcache. Chron is income from shares brought under an esop taxable? The can you make withdrawals investments how to cash out of after quitting payout rules show me the money! distribution association. When will i be paid? The esop participant's guide to how cash out an after quitting budgeting money the nest. However, if you quit, only will receive the amount of stock that has been vested, or completely given to during your tenure an esop is a qualified retirement plan lets employees have ownership in assumes money stay in, unless person chooses 2 oct 2015 (must complete rollover within 60 days; Some portion distribution withheld) Tax deferred until there later 18 jul 2013 company shares are effectively retired from account and funds distributed 'smaller buckets' available through 24 may 2018 understand how taxed find out instances where it. If you sell the shares after holding them for 12 months, would make a gender diversity in workforce, and money matters concerning women can an employer remove funds from my share of profit sharing plan? Able to buy company stock place your esop account, or give if offers esop, employee ownership plan, own comp
Просмотров: 13 E Market
VladStocks: How to Make Money with Dividend Stocks vs Growth Stocks (Part 8)
Follow @vladstocks on Instagram http://www.instagram.com/vladstocks Watch Part 9: https://goo.gl/TzfM4g Part 7: https://goo.gl/kRktY8 Part 1: https://goo.gl/uzk15Y ---------------------------------------------------------------------------------------------------------- In this installment of Vladstocks, DJ Vlad breaks down dividend stocks vs. growth stocks. He explains how shareholders can receive dividend payments by electing to get paid in cash or opting for a dividend reinvestment plan or DRP (pronounced drip). This plan reinvests the dividends a shareholder earned in order to gain more stock in particular company. DJ Vlad then breaks down what growth stocks are and the types of companies that fall under this category. He explains how these companies don't divvy out dividends but rather reinvest the profits into the company which in turn is supposed to raise the stock price. He also remarks that despite companies like Google, Facebook, Amazon, and Netflix being growth stocks, they'll eventually begin dishing out dividends after gaining enough of a market share. -------------- Disclaimer: DJ Vlad is not a financial advisor. Posts for entertainment only - don’t rely on for financial, tax or other advice. Get your own financial advisors. Do your own research. Make your own investment decisions.
Просмотров: 26350 djvlad
Retirement Plan Claim In Chicago Illinois. Roberts Bartolic LLP.
http://www.robertsbartolic-il.com/chicago-retirement-benefits-pension-attorney/ 312.635.1600 Retirement plan claims arise in a number of different contexts, but all contexts share one thing in common: your benefit or your account balance is not worth as much as it should be. That’s when you need a retirement benefits attorney. Roberts Bartolic LLP has represented clients with claims against all types of ERISA covered retirement plans, including defined benefit pension plans, ESOPs, 401(k) plans, profit sharing plans, cash balance plans, SERPs, and other executive retirement plans. Various cases arise out of an employer’s retirement plan containing that employer’s own stock. For example, the plan may be a profit sharing plan, some of which includes employer stock, or it could be an Employee Stock Ownership Plan (“ESOP”). If your retirement plan has employer stock as part of its offerings, it may have been a breach of fiduciary duty for your employer to continue to offer that employer stock as an investment alternative because it knew information which made it unreasonable to continue to offer that stock as an option. If you have any grievance related to your employer sponsored retirement plan, call the Illinois pension attorneys who can help.
How Do Stocks Make Money?
The idea of investing in the stock market can be intimidating, particularly for beginning investors, leading some to want to keep their money in cash or bonds. But, investing in stocks is key to building wealth. Charles Schwab believes in the power of the stock market and has worked to level the playing field for all investors. In this video, find out how stocks work to help you beat inflation and build wealth through growth in the stock price, the benefit of dividend payments, and how compounding can help you reach your goals faster. To understand one of the easiest ways to invest in the stock market? Watch our video on index investing. Subscribe to our channel: https://www.youtube.com/charlesschwab (0117-S6U1)
Просмотров: 88092 Charles Schwab
Warren Buffett: Investment Advice & Strategy - #MentorMeWarren
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
Просмотров: 750086 Evan Carmichael
Should You Invest in Your Crappy 401(k) Plan?
We don't have very much experience with 401k's, but Lauren's work just set one up. I was amazed how horrible our options were. Most funds had a front end load of 5% and the manager wanted 1% of our wealth per year for his "advice." Unfortunately, despite the lack of options 401(k)'s are usually worth it. Between a company match and tax advantages you'll probably recover a lot of those fees. It's just a shame we have to pick the lesser of two evils. Links: Should You Avoid Your Company's 401k (Jim Collins) - http://goo.gl/SOiCRI How to Campaign for a Better Plan - https://goo.gl/JnJZF7 Funds Can't Beat the Market - http://goo.gl/QdplTr Jack Bogle on Fees - https://goo.gl/FVz03k Sign up for monthly income, expenses, and net worth reports! http://newsletter.mikeandlauren.com Help us make these videos: https://www.patreon.com/mikeandlauren Twitter - https://twitter.com/mikeandlauren Instagram - https://instagram.com/lauren_moyer/ Facebook - https://www.facebook.com/mikeandlaurentv Check out our blog: http://www.mikeandlauren.com
Просмотров: 32500 Mike and Lauren
Should I Invest In 401k Now?
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: 52038 The Dave Ramsey Show
GreenLine 401k - Revolutionizing Employee Retirement Plans
Introducing the GreenLine 401k. The only 401k option with a no-risk, no-fee option that protects employers, employees and investments
Просмотров: 277 Strategic Choices
LONG-TERM DIVIDEND STOCK INVESTING: How I Plan For Mergers, Acquisitions, & Takeovers
I recently received a question from a long time subscriber about dividend growth investing, and the implications mergers and acquisitions on my long term investing strategy. The question is all about my thoughts on potential acquisitions, and whether it's better to buy the company doing the acquiring or the one being acquired. Today, I want to leverage the real world of example of Campbells Soup (CPB) and Kraft Heinz (KHC), since there is speculation right now that KHC will end up buying CPB. At the end of the day, I don't worry too much about mergers and acquisitions. I just end up buying the stocks that I like, and I diversify so mergers and acquisitions don’t disrupt my passive income. Why? 1) You never know if an acquisition will even happen at all. Until the deal is signed (and approved by regulatory bodies), it's all speculation. 2) Even if a deal does go through, it's not always advantageous for the shareholders of the company being acquired. It all comes down to tax implications and the terms of the deal (all cash, all stock, or a combination). Worth nothing: I love all stock acquisitions. And, I cannot stand ones that are heavily skewed towards cash (like the recent DPS one). I'm a long-term dividend growth investor. I don't worry about speculation and short term profits. In fact, capital appreciation doesn't mean too much to me at all since I invest purely for dividends. Timing companies that may be acquired could be a great strategy for "buy low, sell high" investors - those looking for short term profits. Such a strategy, however, doesn't really work for me. I like to buy and hold quality dividend growth stocks and hold forever. In fact, I personally own Campbells Soup (CPB). I hope it stays independent. However, if Kraft Heinz (KHC) ends up acquiring CPB, I'll likely hold onto the combined company. More thoughts on Campbells Soup (CPB) in my deep value investing video: https://www.youtube.com/watch?v=ugU0a3IKul4&t=2s Learn more about my thoughts on Kraft Heinz (KHC) in this investing video: https://www.youtube.com/watch?v=wlwjN8tjY3c Want to learn about my huge gains on Dr. Pepper Snapple (DPS): https://www.youtube.com/watch?v=fcn8BlqYwUo Learn why I sold Dr. Pepper Snapple and redeployed my gains: https://www.youtube.com/watch?v=v8npn2NqbzA Find out why Kraft Heinz is #1 on my dividend stock watchlist: https://www.youtube.com/watch?v=LADWgFkaEGs Disclosure: I am long Campbell's Soup (CPB). I own this stock in my stock portfolio. Disclaimer: I'm not a licensed investment advisor, and PPC Ian videos, Excel files, and content are just for entertainment and fun. PPC Ian videos, Excel files, and content are NOT investment advice. Also, I'm not a tax advisor and PPC Ian videos, Excel files, and content are NOT tax advice. Please talk to your licensed investment advisor before making any financial decisions. Please talk to your licensed tax advisor before making any tax decisions. All PPC Ian videos, Excel files, and other content are (c) Copyright IJL Productions LLC.
Просмотров: 3301 ppcian
How Do I Move to a Roth?
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: 99628 The Dave Ramsey Show
Tony Robbins: How to Invest Your Way to a $70 Million Retirement Fund | Inc. Magazine
Life coach Tony Robbins, author of the recent book Money Master The Game, talks with Inc. editor-in-chief Eric Schurenberg about how to invest wisely and inspire the people around you. Subscribe to Inc.'s channel, click here: http://www.youtube.com/user/incmagazine?sub_confirmation=1 Click here for part 2 - Tony Robbins: What It Takes to Achieve Financial Security: http://www.inc.com/tony-robbins/wealth-isnt-about-not-working-about-not-needing-to-work.html Facebook: https://www.facebook.com/Inc Twitter: https://twitter.com/Inc G+: https://plus.google.com/+incmagazine/posts Linkedin: https://www.linkedin.com/company/inc.-magazine
Просмотров: 312794 Inc.
Pop Quiz: Stock Market
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?
Просмотров: 3076 Money Talks News
Ways for individuals to invest in stocks
Buy stocks through mutual funds Because of problems with IPOs, liquidity, execution and commissions, most people should invest in stocks through mutual funds. Mutual funds offer professional management at low cost. Mutual funds also offer diversification which any stock investor needs. Buying individual stocks exposes you to unnecessary risk. Buying individual stocks exposes you to volatility The typical individual stock offers a return ranging from a loss of 40 percent to a gain of 60 percent a year. This volatility happens to some of the largest, most stable companies in America, so if a broker calls you up and tells you about how he foresaw a 50 percent gain in a particular stock, don't be impressed. It happens all the time. The entire market, however, is less risky. In a given year you'll probably see the entire market return anywhere from minus 10 percent to plus 30 percent, with a long-term average of 10 percent. As you can see, buying the entire market exposes you to a smaller range of volatility while providing the same average return as investing in a single company. Mutual funds must invest in at least 20 different securities The best way to diversify your stock holdings is through a mutual fund. By law, mutual funds must invest in at least 20 different companies, but most funds invest in scores or even hundreds of stocks. By investing in 20 or more stocks, you almost completely eliminate so-called specific risk. Specific risk is the risk that arises from investing in a single firm. Diversification eliminates specific risk Suppose you think computer companies will be a good investment, so you place all your money into one computer firm. Unfortunately, a major fire strikes your company, and the firm's buildings are burned to the ground. The firm had insurance, but it's design labs are inoperable for six months. This downtime means death in the fast-moving computer industry, and your company files for bankruptcy. In this case, specific risk means that you probably lost your entire investment. If, however, you had purchased stock in the top 20 computer companies, your exposure to specific risk would be reduced greatly. What one company loses will be picked up by other companies. Mutual funds are a bargain The diversification and professional management offered by mutual funds normally comes at a low price. Minimum initial investments for mutual funds vary, but they usually start at $1,000 or less if you're investing through an IRA. Subsequent investments can be made for as little as $50. For more information about diversification and investing in mutual funds, listen to my tape, "Mutual Fund Investing for Everyone". Variable annuities Another way to invest in equities is through variable annuities. Variable annuities are tax-sheltered investments offered by insurance companies that are similar to a mutual fund because they pool assets from many investors to buy stocks. Variable annuities are also like IRAs because the earnings from the variable annuity are sheltered from federal income tax until you begin to draw down the account upon retirement. To discourage withdrawals before retirement, variable annuities place a 10 percent tax penalty on distributions before age 59.5. However, unlike most IRAs or other retirement accounts like 401(k)s, variable annuities do not offer up-front tax deductions. All contributions to a variable annuity are made with after-tax dollars. Because of this, you should not invest in variable annuities until you have taken full advantage of the deductible 401(k), IRA and other retirement accounts you have available to you. DRIPs Another way to buy stocks is through a dividend reinvestment program, also called a DRIP. In this case the company you're investing in acts like a stock broker. The main attraction of DRIPs is that you can avoid paying brokerage costs. However, I can't get excited about DRIPs for several reasons. First, they tend to concentrate your holdings in one company's stock. They also complicate capital gains calculations. Plus, with discount brokerage fees coming down, DRIPs don't offer much of a cost savings. Copyright 1997 by David Luhman http://moneyhop.com/scripts/stocks/100-ways-for-individuals-to-invest-in-stocks
Просмотров: 235 MoneyHop.com
What Is A Company Retirement Plan?
The employee, the employer, or both may make contributions 21 nov 2016 you're covered by an employer retirement plan for a tax year if your ira based (sep, sarsep simple plan) and you had defined benefit promises specified monthly at. The plan may state this promised benefit as an exact dollar amount, such $100 per month at retirement employer sponsored savings plans are useful for the employees compensation and how long he or she has been employed by company they responsible making contributions to their. What is a 401k company match employer contribution smart401k. Retirement plans and employer sponsored 4 types of retirement investorguide igu url? Q webcache. These plans may be set up by employers, insurance companies, trade if you're the administrator of an established customized retirement plan, a schwab company account (cra) might right for you. Googleusercontent search. A schwab cra 14 nov 2014 some people work for smaller companies that don't offer retirement options. 10 companies with the best retirement plans cnbc. Plan is a type of 401(k) plan where the company puts in monies based upon 'profits' what 'qualified retirement plan'. Qualified retirement 12 feb 2017 employer sponsored savings plans are useful for both be sure to research the company find out which plan is best your a financial arrangement designed replace employment income upon. Employers the role of company match in your 401(k) plan 29 jun 2016 employer sponsored retirement plans (or defined contribution plans) account within typically via payroll deduction 21 sep 2010 fewer companies are offering benefits these days and for ones that do, many scaling back their. Best retirement plans choose the right plan for you nerdwallet. Many financial experts suggest that your company retirement plan can be one of if working for a offers automatic enrollment, the employer will typically enroll an employee once they meet plan's eligibility some employers match part or all their employees 401k account contributions. Retirement plans and employer sponsored 4 types of retirement are you covered by an employer's plan? United states department labor. United states department of employer sponsored plan investopedia. A defined contribution plan, on the other hand, does not promise a specific amount of benefits at retirement. Retirement planning resources and insights the balance. What's the difference between a 401(k) and pension plan qualified retirement investopedia. Examples of defined contribution plans include 401(k) plans, 403(b) employee stock a benefit plan, funded by the employer, promises you specific monthly at retirement. Here are some retirement plan options when you don't have an setting up employee can be a smart way to provide for your help attract and retain valuable employees; Reduce company's tax start preparing financial future with savings from if company offers nationwide, enroll in plan, learn 19 jun 2017 the latest news regarding plans has centered around service t
Просмотров: 10 Robert Robert
The 4 Best Investment Ideas You Can Make (for 2018)
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
Просмотров: 420658 Jeff Rose
Pension vs 401k - Pension vs 401k for Dummies
What are pensions vs 401ks – What is a pension vs 401k? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of pensions vs best type of 401ks and learn how you can avoid the most common mistakes that individuals have made when looking into a pension vs 401k. The 401k Vs A Traditional Pension Plan - Which Is Best For You? The American Dream traditionally involved getting a job with a company for 40 years, building up a big pension and then retiring to enjoy your golden years on that pension. Sadly, this notion of the American Dream has become a fantasy for most Americans over the last 20 years. Although retiring and living comfortably is still an option, the 401k plan has surpassed the pension plan as the retirement vehicle of choice. Pensions When most people think of pensions, they are really thinking of retirement platforms known as defined benefit plans. These plans offer a guaranteed payout amount when one retires. The amount is determined by the years you work, amount contributed, salary and other factors that vary from plan to plan. When your grandfather worked for General Electric for 40 years, his pension was a defined benefit plan. 401k The 401k is a more modern retirement platform and one that has become increasingly popular with companies. Ready to be surprised? 401k plans have only existed since the 1980s and they weren't even intended to help the common worker when they were created. Instead, they were supposed to be used to provide added benefits to executives. Regardless, they are now used by companies as retirement vehicles for executives and employees alike. The modern 401k plan is really a defined contribution plan. This simply means that employees can contribute up to a certain amount when they choose to do so. Employers have the option, but not requirement, to also contribute to the employers account. Over time, the employer vests in the account and takes 100 percent ownership of the money in it although they can't withdraw it until the legal retirement age unless they want to pass very high tax rates. Control One of the major differences between 401ks and traditional pension plans is the issue of control. Specifically, who controls how the money is invested once it is in the plan? With the traditional pension plan, the trustee for the pension has control and tends to make very conservative investments so as to protect the pool of money. In a 401k, the employee usually has control over how the money will be invested. There may be limits on the type or number of investments he or she can pursue, but that is the only restriction. Which Is Best? The 401k would be the obvious answer if this question was asked five years ago. Since then, however, the Great Recession hit and a lot of employees realized that perhaps they weren't so great at picking stocks after all. The idea of having a stable, conservative investment like those found in pensions has started to seem a lot more attractive to such people than it did before the economic troubles came along. The real answer to this question, however, depends entirely on the views of the person considering the question. If one is comfortable with the investment world, than a 401k makes sense. If you would rather leave investment decisions to someone else, a pension plan may be the way to go. Personally, I prefer the 401k plan for a couple of reasons. The first is I want control of my investments. The second is I like the fact I can change the amount I can contribute to it each year. This gives me a certain amount of flexibility depending on how the economy is performing. Ultimately, you will have to make your own decision when it comes to this issue. Regardless of the direction you decide to go, make sure to maximize your retirement savings as much as possible to ensure a comfortable time in your golden years. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: Pension vs 401 k Pensions vs 401k for retirement income Pension vs 401k explained Pension vs 401k reviews Pension vs 401k review What is the best fixed indexed annuity pension vs 401k vs the top immediate income pension vs 401k https://www.youtube.com/watch?v=L1QdfF4swX8
Просмотров: 12708 retiresharp
Top 5 Mutual Funds to Buy in 2018
Free Beginners Stock Investing Course -- http://bit.ly/2CgSOLH Want to be rich? Subscribe for more videos -- http://bit.ly/2BKP2u4 My pick for the best mutual fund with a 1-year return is the American Funds New Perspective Fund® Class F-1 which boasts a 1-year return of 28.78%. You can find this fund with the ticker symbol NPFFX. Now although future returns are all speculative, that is a phenomenal return for any short-term investor. Hypothetically that means that if you invest $2,500, which is the minimum to invest, today and sell out at the end of the year, you’ll have made $719.50. Now, this fund is of a moderate risk and has 319 holdings, the top 5 of which are Amazon, Facebook Inc. A, Taiwan Semiconductor Manufacturing Co Ltd, Naspers Ltd Class N, and Microsoft Corporation. This fund is technically a world fund which is why you see such a diverse set of holdings. As mentioned earlier this fund is a 5-star fund and has no transaction fees. Alright, so my pick for the best 5-year fund is the Fidelity® 500 Index Fund — Institutional Premium Class which boasts a 5-year return of 15.78%. You can find this fund with the ticker symbol FXAIX.  This fund has no minimum so hypothetically if you invest $2,500 today and sell out in 5 years, you’ll have made roughly $2,703.50 which I found using a custom Excel calculator that accounts for compound interest. Moving into my third pick which is for the mutual fund with the best 10-year return. The fund I pick for this category is the Fidelity® Nasdaq® Composite Index Fund which boasts a 10-year return of 11.09%. You can find this fund with the ticker symbol FNCMX. Similar to the first fund, this fund has a minimum of $2,500 so hypothetically if you invest $2,500 today and sell out in 10 years, you’ll have made roughly $7,156.32 which I again found using a custom Excel calculator that accounts for compound interest. This fund is of a moderate risk and consists of 2,196 holdings, the top 5 of which are Apple Inc., Microsoft Corp, Facebook Inc. A, Amazon Inc., and ALPHABET INC CL C. So I think we’re starting to see a trend here between the top holdings of these funds. As our world becomes more tech-driven, leading companies such as apple an Microsoft will continue to grow. Alright, my fourth pick which is for the best foreign mutual fund is the Fidelity® International Enhanced Index Fund which boasts one year return of 27.59%, a five-year return of 9.35%, and a ten-year return of 2.3%. Because of its weak 10 year return, I would consider this a short to mid-year hold which would be around 2 to 5 years. You can find this fund with the ticker symbol FIENX. Like most Fidelity funds, this fund has a minimum of $2,500 so hypothetically if you invest $2,500 today and sell out in 5 years, you’ll have made roughly $1,406.93. This fund is of a moderate risk and consists of 264 holdings, the top 5 of which are, excuse my pronunciation, NOVARTIS AG (REG), NESTLE SA (REG), ROCHE HLDGS AG (GENUSSCHEINE), TOTAL SA (FRAN), and BAYER AG. So it's nice to see some different holdings than the last funds but I’m sure you saw some familiar names there like Bayer and Nestle. Now the benefit to holding a foreign fund is that it’s less correlated with the US stock market. That means that during a recession, your foreign holdings may fair better than your US holdings. Okay, so my fifth and final pick which is for the best balanced mutual fund is the T. Rowe Price Personal Strategy Growth Fund which has one year return of 21.91%, a five-year return of 11.60%, and a ten-year return of 7.06%. Although a 10-year return of 7.06% is still decent, I would also recommend this as a medium-term hold. You can find this fund with the ticker symbol TRSGX. This fund has a minimum of $2,500 so hypothetically if you invest $2,500 today and sell out in 5 years, you’ll have made roughly $1,827.74. This fund is of a lower risk and consists of Cash, convertibles, domestic bonds, preferred stock, foreign bonds, foreign stock, domestic stock, and others, whatever that means. Because this is a balanced fund, it’s already diversified which makes it a lot easier for the investor. The reason I recommend this fund is because it has a lengthy history of excellent performance and it’s already diversified which makes it a nice holding during a recession.   Thanks for watching and make sure to subscribe so that you don’t miss any future content. I’ll see you later. Social Links: Website: www.wharmstrong.com Twitter: https://twitter.com/wharmstrong1 Facebook: https://www.facebook.com/wharmstrong1/ Instagram: https://www.instagram.com/wharmstrong1/
Просмотров: 9434 Will Armstrong
#3 Employer Sponsored Retirement Plans and IRAs Nearing Retirement ...Retirement Checklist
Get your copy of the "Retirement Checklist" use this link http://bit.ly/1YkNAjq Nearing Retirement...Retirement Checklist;Employer Sponsored Retirement Plans & IRAs
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What Is The Best Way To Rollover 401k
http://www.15minutestoriches.com/investingold.php What Is The Best Way To Rollover 401k ? Don't Keep Employer Contributions To Your 401(k) Until You Are Vested. Initiate A Direct Rollover To The New Account. Directly Transfer Your 401(k) Balance To Your New Company's 401(k) Plan. Seek Lower-Cost Investments. Job Change Is The Perfect Time To Get Better Investments With Lower Fees. 401(k) Plans Are Good Choice Because 401(k) Plans Support Ultra-Low Fees . Person Who Leave Their Job At 55 Or Later Can Take Penalty-Free 401(k). Person Who Leave Their Job At 55 Or Later Can Take Penalty-Free 401(k). Consider creditor protections, Leave Employer Stock Behind And Don't Cash Out. For More Information Click On Below Links: https://www.youtube.com/watch?v=TEJEtAdMxew https://www.youtube.com/watch?v=Br-pDkPgAcE https://plus.google.com/112701396103729822792/posts/T1qjgWAfVUn http://www.scoop.it/t/gold-ira-rollover/p/4020955624/2014/05/08/can-you-buy-gold-for-an-ira-youtube https://www.facebook.com/pages/Gold-IRA/1493920520820066 This video is related to best rollover for 401k, best thing to do with 401k rollover, best time of year to rollover 401k, best way to invest 401k rollover, best way to rollover a 401k, best way to rollover my 401k, best way to rollover your 401k Here's the company we recommend for gold ira investing: http://www.15minutestoriches.com/investingold.php
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As I said, our school systems teach us not much about money, and they talk the game of Monopoly, how I learned to be rich playing that game, and how I created the cash flow games. A lot of people say, "Well, I don't like playing games," yet, I look at life as a game. I've played sports, I was pretty good at sports, I liked sports, a lot better than school. In many sports there are four quarters, so when I look at the game of money, my Rich Dad broke it into four quarters. He said, "At which age will you win the game of money?" The four quarters are, and they're about 10 years. Since we generally start work around 25 and we retire around 65, that gives us 40 years, or 10 year quarters. Now, some people, like Rich Dad's son, he was born rich, I wasn't so lucky. I went to college, did all this thing, and I started my career at 25, and my goal was to retire in the second quarter. The first quarter is 25 to 35, first quarter. 35 to 45 the second quarter. Then we have half time, this is also called mid life crisis, yeah, "Holy mackerel, I'm not making it, I'm too deeply in debt," and all this. Sometimes you're gonna go into a huddle and make some changes. Then we have 45 to 55, which is third quarter. 55 to 65, which is fourth quarter, then it's overtime! "I don't have enough money, I can't retire! Where's my social security? Where's my medicare?" That's overtime, and I won't say anything, but after that you're out of time. Okay? One of the reasons for playing the Cash Flow game, Increasing Your Financial Intelligence is so that you can get on with your life. If you follow the advice of work hard, save money, invest in a 401K for the rest of your life, you'll be old. You'll work all your life and you might not have anything to show for it. So I had a goal to increase my financial intelligence and do my best to retire in the second quarter. One of the things that makes the Rich Dad Company different, is we don't want you to work hard all your life and put your money away in a well diversified portfolio of mutual funds because you'll be old. Why be old? Why not retire young, as young as you can, and start enjoying life? That's what the Rich Dad Company stands for. Best known as the author of Rich Dad Poor Dad—the #1 personal finance book of all time—Robert Kiyosaki has challenged and changed the way tens of millions of people around the world think about money. He is an entrepreneur, educator, and investor who believes that each of us has the power to makes changes in our lives, take control of our financial future, and live the rich life we deserve. With perspectives on money and investing that often contradict conventional wisdom, Robert has earned an international reputation for straight talk, irreverence, and courage and has become a passionate and outspoken advocate for financial education. Robert’s most recent books—Why the Rich Are Getting Richer and More Important Than Money—were published in the spring of this year to mark the 20th Anniversary of the 1997 release of Rich Dad Poor Dad. That book and its messages, viewed around the world as a classic in the personal finance arena, have stood the test of time. Why the Rich Are Getting Richer, released two decades after the international blockbuster bestseller Rich Dad Poor Dad, is positioned as Rich Dad Graduate School. Robert has also co-authored two books with Donald Trump, prior to his successful bid for the White House and election as President of the United States. http://www.richdad.com Facebook: @RobertKiyosaki https://www.facebook.com/RobertKiyosaki/ Twitter: @TheRealKiyosaki https://twitter.com/theRealKiyosaki Instagram: @TheRealKiyosaki https://www.instagram.com/therealkiyosaki/
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Retirement Savings Rule 2: Plan for Your Future Goals and Needs
This is the VOA Special English Economics Report, from http://voaspecialenglish.com | http://facebook.com/voalearningenglish Last week, we discussed limiting investment risk in retirement planning. So what are financial planners advising people to invest in? Stocks and bonds are the best known investments and are important to any savings plan. Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk. Annuities are another savings instrument with low risk. Financial planner Pete D'Arruda says "Worldwide, people can put their money in annuities, which are basically savings accounts offered by insurance companies." But he says it is important to make a decision about an annuity with a good financial planner. He warns that annuity agreements can be complex, and many bad ones are out there. Pete D'Arruda says good planning means placing money into financial securities and accounts that have different risk levels, using asset allocation. "So true asset allocation is having some in stocks, some in bonds, some in mutual funds, but then some in other places with guaranteed income and then safety and liquidity kind of accounts for emergencies." This method of savings follows the old saying you should not "put all your eggs in one basket." But that is not for everyone. Sande Taylor is with the investment company Charles Schwab in south Florida. She advises investors every day. She says many investors have a personal style. There are conservative investors. "A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash." Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors. In saving for retirement, there can be a difference between what people believe and what they actually do. In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles had. Sande Taylor says younger people may seek short term goals. "The younger individuals look at it and think, 'Well retirement is so far away, I'd rather focus on my shorter term goals.'" But she says there are big gains to be made by starting early and planning for the future. For VOA Special English, I'm Carolyn Presutti.(Adapted from a radio program broadcast 04Nov2011)
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Finance & Investment Tips : What Is a 401k Plan?
A 401k is a tax-free retirement savings financial plan offered by employers to entice workers to save for their retirement, often times by matching an employee's deductions. Plan for the future with a 401k saving account with advice from a registered financial consultant in this free video on finance and investment. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
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Employee Stock Ownership Plan
To learn more about this webcast please visit our website: https://www.theknowledgegroup.org/webcasts/hr-benefits/employee-benefits/employee-stock-ownership-plan Explore and Gain UNLIMITED Access to the Entire Knowledge Group Library and Enjoy Over 2000+ Online Courses with LIVE & RECORDED Event Materials by clinking this link: https://www.theknowledgegroup.org/unlimited-subscription Among the qualified defined-contribution retirement plans that are widely offered by companies to its employees, the Employee Stock Ownership Plan (ESOP) has gained more popularity because of its unique offerings. ESOP is a retirement program that can be leveraged and used as a corporate finance strategy. It also offers tax benefits and facilitates management succession. While ESOPs provide significant advantages, it is still imperative for employers and employees to be well-aware of its underlying complexities and hurdles to ward off potential compliance and monetary risks. In this LIVE Webcast, a panel of distinguished professionals and thought leaders assembled by The Knowledge Group will provide the audience with an overview of the significant developments and critical issues with respect to Employee Stock Ownership Plans. Speakers will also offer best practices in establishing and maintaining an ESOP while ensuring compliance with applicable laws. Some of the major topics that will be covered in this course are: - The ABCs of Employee Stock Ownership Plans - Benefits and Hurdles - Common Misconceptions - Potential Pitfalls and Risks for Participants - Significant Regulatory Issues - Latest Trends and Developments - Best Practices in Establishing an ESOP
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My401k - Pros and Cons of My 401k
What are my401k plans– What is my401k? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of my401k plans for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to set up my4o1k. What Is a my401k? A my401k plan is typically offered through your employer. You will be able to make a contribution to your plan from your paycheck. This contribution can be made either before taxes or after taxes, depending on the options offered through your plan. In some cases, your employer will match a portion of your contribution. Once you have a good amount of money saved, you can roll your my401k into a IRA, Traditional IRA, or a Roth IRA. This can give you a bigger pay out when you retire. Most people make it their number one priority to save for their retirement. With the way the country is today, by the time many adults reach the age of retirement, there may be no Social Security left; therefore, it is important to start saving for your retirement on you own. The best way to save the money that you need is through a 401k plan. What are the Benefits of Having a 401k Plan? There are several advantages to using a 401k plan to save for your retirement. Matching contribution: When you set up a 401k plan through your employer, most will match a portion of your contribution. One of the most common matches employers make is 50 percent of the first 6 percent of the money which you have saved. By not taking advantage of your 401k plan, you are basically giving up free money. Tax advantages: If your employer does not offer matching contributions, there are tax advantages which make having a 401k plan worthwhile. When you contribute a portion of your salary to your plan, you will be paying less money in taxes. This is because when your money goes into your 401k, it is taken before taxes have been deducted. This makes your taxable income lower, which benefits you greatly. Loans: One huge advantage of having a 401k plan, is that you can borrow from your account. You can borrow from your plan to purchase a new home, to pay for your education, to cover medical expenses, or if you are experiencing serious financial hardship. Most plans require that you repay your loan within 5 years with interest. If you have borrow against your 401k to purchase a new home, you will have more than 5 years to repay your loan. All the interest that you pay, goes right into your account. This makes borrowing from your 401k better than getting a traditional bank loan. When you have a bank loan, you will be required to pay interest to the lender. The only stipulation of borrowing against your 401k loan is that you must remain employed by your company until the loan is paid off. Investment opportunities: Most plans offer a variety of investment opportunities where you can do a 401k rollover. When you do a 401k rollover, you can invest in money mutual funds, bond mutual funds, stock mutual funds, or your own company's stock. You can do a 401k rollover, and invest in a IRA, Traditional IRA, or a Roth IRA. What are the Steps to Convert a 401k into a IRA Through a 401k Rollover? Many people choose to convert their 401k plan into an IRA plan, because it will protect their savings against market loss. The process of converting your 401k to a IRA is very easy and straightforward. It can be very beneficial for you to consider rolling your 401k into a Gold IRA rollover. 1. Make sure that your particular plan is eligible for a 401k rollover. If you are no longer working for your employer, or you are older than 59 years and 6 months, you should be eligible for the 401k rollover without any issues. 2. If you want to have the same tax benefits that you would with any other government approved retirement account, you should set up a precious metals IRA Account. 3. You need to decide how much of your plan you want to invest in gold. You can invest all of it if you wish; or you can diversify. You can do this by investing only part of your 401k in gold, and the rest in other investments. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: my401k annuities my401k for retirement income my401k explained my401k reviews my401k review What is the best fixed indexed my401k for retirement vs the top immediate income my401k for retirement https://www.youtube.com/watch?v=AZJSRqxetFk
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What you can do with your employer retirement plan when you retire
When people are planning to retire there's a pattern of questions that continue to be asked. One of them is "What should I do with my Employer Retirement Plan?". Answering this question can be a huge piece of the puzzle for your retirement plan and for your life in retirement. Find out the most common options other's took in this same position in this video! _ Sources: MFS."What Keeps you Up at Night?". Retrieved on April 22, 2016 by Laguna Wealth Advisors, LLC. _ Follow Me Online Here: Podcast: https://isaiahreal.com/feed/podcast/ Facebook:https://www.facebook.com/Isaiah-Real-Laguna-Wealth-Advisors-607507452949508/ Instagram: https://www.instagram.com/_isaiahreal_/ LinkedIn: https://www.linkedin.com/in/isaiahreal/ Youtube:https://www.youtube.com/channel/UC2BmAL0XSPLCwA_JeUHkznA - Disclosures: Information throughout this video, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers, believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information.  Nothing on this video should be interpreted to state or imply that past results are an indication of future performance.  Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. This material should be used as helpful hints only. For help determining what role Social Security benefits will play in your financial future, work closely with your investment or other relevant professional. He or she will provide the perspective to help you build and maintain a retirement strategy that works best for you.
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Frakes Engineering | An Employee Owned Company
Every employee at Frakes Engineering has personal stock invested in our company. Watch our video explaining what it means to be part of an Employee owned company. The President of Frakes Engineering implemented an ESOP plan to protect employees’ retirement benefits.
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nobody talks about this dividend stock (IT'S MY #4 FAVORITE STOCK OF ALL TIME)
Today, I'm excited to share my #4 favorite dividend stock of all time! For some reason, nobody seems to discuss this dividend growth stock. I never hear anyone bring it up here on PPC Ian. However, it's been one that I started buying in 2013 and have loved ever since, a critical position in my stock portfolio. I'm talking about a rock solid industrial company, one that brings much needed diversification to my stocks. It's time to talk about United Technologies (UTX). Today's video starts out with my history with my UTX stock. My yield on cost is not very high. It seems like this stock is never really on sale (although there was a reasonable buying opportunity in 2015). That said, I think the lack of buying opportunities is a reflection of stability. Untied Technologies is a truly rock solid company, one with diversification across four business lines. It's almost like a mini mutual fund (or ETF if you will). Of course, the dividend history with this company is great. They raise the dividend very consistently every five quarters. And, I think the rate of dividend raises could increase with their recent earnings being so strong. With payout ratio sitting at 50%, the dividend is quite safe, in my opinion. Next, I go into the pros and cons of this dividend growth stock. In terms of pros, I discuss quite a bit. Here are just a few highlights: * UTX provides my portfolio with much needed diversification. Not all of my stocks can be consumer non-cyclical. I love having an industrial as a top holding. * The company itself is very diversified. I don't have to worry about any one business unit tanking the entire ship. * I love the international exposure! In fact, United Technologies drives substantially more revenue outside of the US than in the US! * As a dividend growth investor, I'm very pleased with the dividend growth (both past but also the prospective future growth). After all, I plan to live off dividends on day. * Those who install United Technologies products often require service plans. I love the service plan model (recurring revenue model). * Many more pros and investment insights are discussed in the video. Watch to learn more! Next, I go into the cons with this stock. I discuss items such as rising debt, lower cash from operations, their pension plan, and more! I spent a lot of time reviewing their 2017 annual report, and found some really interesting insights on the pension plan. Last, I close out with the numbers for this stock. I discuss trends in revenue, operating profit, operating margin, and more. At the end of the day, numbers must be good! Want to learn about my #1 favorite dividend stock of all time, JNJ. Make sure to check out this investing video: https://www.youtube.com/watch?v=ZkgzdwAqPho Want to learn about my #2 favorite dividend growth stock of all time, PEP. Make sure to check out this investment video: https://www.youtube.com/watch?v=kFjUoFWEC44 Want to learn about my #3 favorite stock of all time, one that's a restaurant and real estate play? Here's my video about McDonald's: https://www.youtube.com/watch?v=WA1baKYgV_0 Want to learn about my top 8 lessons for dividend growth investing? Here's a recent video: https://www.youtube.com/watch?v=zOEVrpdXYsE Last, want to learn about growth investing vs. dividend investing? Here's a fun one: https://www.youtube.com/watch?v=El7XyomoAEI Disclosure: I am long United Technologies (UTX), Johnson & Johnson (JNJ), PepsiCo (PEP), McDonald's (MCD), Procter & Gamble (PG), and Kimberly-Clark (KMB). I own these stocks in my portfolio. Disclaimer: I'm not a licensed investment advisor, and today's video is just for entertainment and fun. This video is NOT investment advice. Also, I'm not a tax advisor and today's video is NOT tax advice. Please talk to your licensed investment advisor before making any financial decisions. All content on my YouTube channel is (c) Copyright IJL Productions LLC.
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A beginner's guide to pensions - MoneyWeek Investment Tutorials
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.
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Tata Multicap Fund | Official Teaser|Invests across Large, Mid and Small cap stocks
Just as a balanced team on sports field aims to deliver a winning combination, a diversified scheme also aims to give you the advantage of a winning total. Presenting, Tata Multicap Fund - an open ended equity scheme investing across large, mid and small cap stocks. The fund aims to fit into the right role across market situations. It remains prepared and agile to invest across diversified stocks. NFO CLOSES: 31st August, 2018 Benefits of Multicap Funds • No style bias • No Market cap bias – A Go Anywhere Fund • Follows blend of both ‘Value’ and ‘Growth’ style of investing • Research driven stock selection Why You Should Invest? • An open ended actively managed diversified portfolio • From the stable of Tata Mutual Fund, with a track record of managing money for more than 23 years • Aims to capture the multi-baggers by staying through their market cycle • The Fund is ideal for Investors looking for Diversified Portfolio • With a long-term investment horizon looking to diversify across market capitalization Investors understand that their principal will be at moderately high risk Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Invest Now: http://www.info.tatamutualfund.com/nfocampaign/index.html
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C & S Corps Advantages in an ESOP (Employee Stock Ownership Plan)
http://www.brokersalliance.com (800) 290-7226 Presented by Brokers Alliance with guest co-host Kereti Tuioti The ESOP is essentially a stock bonus plan in which employer stock may be used for contributions. The advantages to the employer are that contributions are tax deductible and costs are totally flexible, subject to required loan payments. The plan is easy to understand by the employees and can provide employees with permanent life insurance benefits that need not expire or require costly conversion at retirement age. Since all or substantially all of the assets may be invested in employer's stock, this is a good method for raising additional capital without going to the market place. In effect, the corporation can raise capital with deductible contributions to its plan. Stock, rather than cash, can be contributed to the plan and the ESOP may be used to facilitate the buyout of a stockholder. The duo describe the different corporate enities and how they interact with ESOPs. This video was produced by http://bizmediastudios.com/ ____________________________ Follow Us On Social! ____________________________ TWITTER: https://twitter.com/BrokersAlliance FACEBOOK: https://www.facebook.com/pages/Brokers-Alliance-Inc/115179661832101 INSTAGRAM: https://instagram.com/brokersalliance/ WEBSITE: http://www.brokersalliance.com/ GOOGLE+: https://www.google.com/+BrokersAlliance LINKEDIN: https://www.linkedin.com/company/brokers-alliance-inc
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