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HDFC  MF New scheme , Monthly Pay Out in Hindi ( Prudence Fund )
 
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Hello Friends Note :- हेलो दोस्तों "HDFC Mutual fund का Prudence Fund एक बहुत ही अच्छा पेंशन प्लान हे हलाकि इसका नाम Officially पेंशन प्लान नहीं हे लेकिन आप एक बार निवेश करके प्रति माह पेंशन के रूप में एक निश्चित राशि पा सकते हे जोखिम एवं अन्य जानकारी वीडियो में बताई गई हे " In this video we will show you hdfc mutual fund pension plan, in which one can invest a Big amount and get regular pension For example If Some One Invest 10 lac Rs. Then he can get 10000/- pension per month "this is really amazing plan". In this plan by investing a big amount one can get an amount of pension. in this plan pension start immediate no need to wait for long time. start this plan and pension start hand to hand. So Friends Lets see the name of this plan Then Name of the HDFC MF Pension Plan Is """" HDFC PRUDENCE FUND""" ( An Open Ended Balanced scheme) { Two Option available regular and direct both are good HDFC Prudence fund is balanced fund which invest in both equity and debt Instrument which give amazing returns. Now See How to Buy HDFC Mutual Fund Online , first option to buy hdfc pension plan -- one can buy this plan from hdfc mutual fund office second option to buy hdfc mutual fund pension plan is visit to hdfc bank and buy hdfc pension plan Third Option to invest in hdfc pension plan or invest in hdfc pension plan direct from home is log in to http://www.hdfcfund.com/investorcorner/hdfcmf-online
Просмотров: 617828 Online Support Raj
Purchasing Optional Service to Enhance Retirement Benefits
 
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You may purchase optional service such as periods of absence from pregnancy or adoption, military service, service canceled by a refund, substitute, home-bound and part-time teaching, leave of absence or involuntary layoff, and out-of-system service.
Tim Bennett Explains: How pensions work
 
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The second video in our three-part series explains in jargon-free language how final salary (defined benefit) and money purchase (defined contribution) pensions work.
Просмотров: 56437 Killik & Co
PENSION STORM Brewing In Europe! - The Coming Retirement IMPLOSION
 
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Josh Sigurdson talks with author and economic analyst John Sneisen about the inevitable fall of the pension. Not just in Europe, but the rest of the world as well. The U.K. currently has a $4 trillion retirement savings shortfall and is due to reach $33 trillion by 2050. However, by the looks of it, it's going to come down far quicker as we watch the older generation forced to carry the debt of the young all while passing away, and the young putting money into pensions they will never get. This is all happening as the markets implode due to heavy manipulation and debt and of course the fiat monetary system is crumbling at the seams. Let's face it, the younger generation generally knows nothing about saving money and this is all by design. Pensions are enforced by the state and manipulated by the banking system. The shortfall is growing at an alarming rate. This cannot withstand this environment much longer. Meanwhile, the government enforces pensions under the guise of "helping people save for the future" while not giving kids tips on saving money, assets, trading or any of the above in the public school system. They don't even teach kids about money period. Meanwhile, the media tells people to invest long term in the stock markets instead of comprehending the opportunities with assets. This comes down to individuals being financially responsible. These pension ponzis decimate the freedom of the individual to make their own financial decisions in life and that hurts people long term under the thin veil of "helping" and people need to understand this before it's too late. People in their 20s, 30s and probably 40s will never see their pension and this is increasingly alarming. Education begets action. Stay tuned for more from WAM! Video edited by Josh Sigurdson Featuring: Josh Sigurdson John Thore Stub Sneisen Graphics by Bryan Foerster and Josh Sigurdson Visit us at www.WorldAlternativeMedia.com LIKE us on Facebook here: https://www.facebook.com/LibertyShallPrevail/ Follow us on Twitter here: https://twitter.com/WorldAltMedia FIND US ON STEEMIT: https://steemit.com/@joshsigurdson SPONSORED BY: Canam Bullion & Currency Exchange: https://canamcurrencyexchange.com/al1701a BUY JOHN SNEISEN'S LATEST BOOK HERE: Paperback https://www.amazon.com/dp/1988497051/ref=zg_bs_tab_pd_bsnr_2?_encoding=UTF8&psc=1&refRID=ZBK6VTXQRA2F77RYZ602 Kindle https://www.amazon.ca/dp/B073V5R72H/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1500130568&sr=1-1 DONATE HERE: https://www.gofundme.com/w3e2es Help keep independent media alive! Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2017 "Find the truth, be the change!"
Просмотров: 5651 World Alternative Media
What is DEFINED CONTRIBUTION PLAN? What does DEFINED CONTRIBUTION PLAN mean?
 
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What is DEFINED CONTRIBUTION PLAN? What does DEFINED CONTRIBUTION PLAN mean? DEFINED CONTRIBUTION PLAN meaning - DEFINED CONTRIBUTION PLAN definition - DEFINED CONTRIBUTION PLAN explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A defined contribution (DC) plan is a type of retirement plan in which the employer, employee or both make contributions on a regular basis. Individual accounts are set up for participants and benefits are based on the amounts credited to these accounts (through employee contributions and, if applicable, employer contributions) plus any investment earnings on the money in the account. In defined contribution plans, future benefits fluctuate on the basis of investment earnings. The most common type of defined contribution plan is a savings and thrift plan. Under this type of plan, the employee contributes a predetermined portion of his or her earnings (usually pretax) to an individual account, all or part of which is matched by the employer. In the United States, 26 U.S.C. § 414(i) specifies a defined contribution plan as a "plan which provides for an individual account for each participant and for benefits based solely on the amount contributed to the participant's account, and any income, expenses, gains and losses, and any forfeitures of accounts of other participants which may be allocated to such participant's account." While Defined Contribution plans are sometimes referred to as pensions, they are not. The word "pension" is defined as "a fixed amount, other than wages, paid at regular intervals to a person or to the person's surviving dependents in consideration of past services". In contrast, a Defined Contribution retirement plan is an arrangement where an employer, during the time a person is employed, puts money in a registered retirement account on the employee's behalf. In general, a DC plan provides much less security for the employee, and much less obligation for the employer, than a pension. In a defined contribution plan, fixed contributions are paid into an individual account by employers and employees. The contributions are then invested, for example in the stock market, and the returns on the investment (which may be positive or negative) are credited to the individual's account. On retirement, the member's account is used to provide retirement benefits, sometimes through the purchase of an annuity which then provides a regular income. Defined contribution plans have become widespread all over the world in recent years and are now the dominant form of plan in the private sector in many countries. For example, the number of defined contribution plans in the US has been steadily increasing, as more and more employers see pension contributions as a large expense avoidable by disbanding the defined benefit plan and instead offering a defined contribution plan. Money contributed can either be from employee salary deferral or from employer contributions. The portability of defined contribution plans is legally no different from the portability of defined benefit plans. However, because of the cost of administration and ease of determining the plan sponsor's liability for defined contribution plans (no actuary is needed to calculate the lump sum equivalent unlike for defined benefit plans), in practice, defined contribution plans have become generally portable. In a defined contribution plan, investment risk and investment rewards are assumed by each individual/employee/retiree and not by the sponsor/employer. This risk could be substantial. Based on simulations from security returns over the twentieth century across 16 countries, there is considerable variation in retirement plan fund ratios across both time and country. Those countries keenest on individual DC accounts have the highest retirement plan fund ratios but all investors in all countries face considerable downside risk. Some countries such as France, Italy and Spain face a ten percent probability of having a real replacement ratio of 0.25, 0.20 and 0.17 respectively. In addition, DC scheme participants do not necessarily purchase annuities with their savings upon retirement and bear the risk of outliving their assets. The "cost" of a defined contribution plan is readily calculated, but the benefit from a defined contribution plan depends upon the account balance at the time an employee is looking to use the assets. So, for this arrangement, the contribution is known but the benefit is unknown (until calculated). Despite the fact that the participant in a defined contribution plan typically has control over investment decisions, the plan sponsor retains a significant degree of fiduciary responsibility over investment of plan assets, including the selection of investment options and administrative providers.
Просмотров: 1683 The Audiopedia
Retirement Withdrawals before 59 1/2, Without A Penalty?
 
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Click this link to get your copy! http://lethemonfinancial.com/freeretirementguide How To Retire Happy, 7 Simple Steps To Creating Your Ideal Retirement I'm going to show you how to take retirement withdrawals from your retirement accounts before you turn 59 1/2, and do it without paying a penalty. You may be thinking about retiring early, but may not be sure exactly how to do it. If you're like a lot of people you probably have a most of your retirement savings in tax deferred accounts like IRA's and 401k's. We all know since the time we got into these accounts that we couldn't touch the money until we turned 59 1/2 without getting hit with a 10% penalty. Well, there are actually 4 ways that you can take retirement withdrawals before 59 1/2 without paying the 10% penalty. The first is the Age 55 rule from a qualified plan. If you separate service from your company on or after your 55th birthday, you can access the money in your company sponsored retirement plan without paying the 10% penalty that normally would apply to early distributions. This rule only applies to company sponsored retirement plans like your 401k. Once you rollover to your IRA, you no longer have this option available. As with any tax deferred account distribution, ordinary income taxes will still apply, but the 10% penalty will be waived. Here's how it works: Let's say you have a 401k with $500,000 in it and you retire at 56. You figure you need about $50,000 to get you through the next 3 1/2 years. So you take a penalty free distribution from your 401k for the $50,000, then rollover the remaining $450,000 into a self directed IRA to continue the tax deferral on that portion. Next is Regulation 72t. Regulation 72t refers to a section of the IRS tax code that allows for penalty free withdrawals from IRA accounts. Whereas the age 55 rule applies only to qualified employer plans, regulation 72t is just for IRA accounts. Again, as with any tax deferred retirement account distribution, you still have to pay the taxes, but what we're talking about here, is how to avoid the normal 10% penalty. You can elect 72t at any age as long as you follow the 3 rules. The payments must be "substantially equal". You must use one of the three distinct methods of calculating what your annual payment is each year. Your Payments must continue for 5 years or until you turn 591/2 whichever occurs later. Regulation 72t is a complex tax strategy and should not be implemented without seeking appropriate advice from a qualified financial professional. Take a loan Not my favorite, but another option that may be available is to take a loan from your 401k account before you retire. 401k's generally allow you to borrow 50% of your account value up to a maximum of $50,000. One advantage is that you don't have to pay taxes on the loan amount, however, the disadvantage is that you lose the growth on your money. Before you do this, check with your plan provider to make sure you can keep the loan open after you retire. Even if your employer does allow you to keep the loan after you retire, it will likely prevent you from rolling over your 401k to an IRA. Also, make sure to keep up on your payments, otherwise the outstanding balance of the loan will become taxable and may be subject to penalties if you are under age 59 1/2. After Tax Distributions You may have money in your company retirement plan that has already been taxed. If you do, this can be another source of money that you can access before 59 1/2. The after tax portion of your account consists of two parts. The portion that you contributed after tax, and the earnings on your after tax contributions that have not been taxed. Even though the IRS rules allow you to roll the entire account over to your IRA. If you roll over after-tax contributions you will be required to keep track of what portion of every future IRA withdrawal is taxable and what part is non taxable. We don't recommend this. The preferred method is to rollover all of your pretax money to your IRA account, and then take a check for the portion of your account that has already been taxed. When you receive this check it is a non-taxable event. This money has already been taxed and therefore you can do whatever you want with this money. Depending on how much you have in your after tax portion of your account, this can be another great way to get access to some of your money, not only penalty free, but tax free as well, in order to fund an early retirement. If you want to get more tips and strategies like this, click on the link below to check out my Free Retirement Readiness Guide, 7 Step Action Plan to Creating Your Ideal Retirement!
Просмотров: 63326 Money Evolution
Build Your Own Retirement Income Plan in 5 Easy Steps
 
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Why should you build your own retirement income plan? Because it will help you know if your savings will last you throughout retirement. It will help you allocate your assets in the most low cost, lowest risk way to buy the lifestyle you want in retirement. To download a free copy of "How To Avoid Annuity Traps" click here: http://retirementplanningmadeeasy.com/annuity-traps So here are 5 simple steps you can take today to build your own retirement income plan. 1. Determine how much income you need - Go through your credit card bills and bank statements to know where your money is going. Use these to add up how much your expenses are. These are the expenses you will need to cover in retirement. 2. Determine your lifetime guaranteed income sources - Social Security will be one for most people. If you are lucky you'll have a pension. Do you have any other sources of income, like rental income or existing annuities? Count those too. 3. Determine your income gap - Simply subtract your required expenses from your lifetime income sources. If the expenses are greater than income you will have an income gap. Most people will have an income gap. 4. Determine the effects of inflation - Your income gap will very likely increase each year as your expenses go up with inflation. A good inflation estimate to use is 3%. You can use a simple software program like Excel to show how inflation will increase your expenses over a long time period, like 30 years. This will let you know how much income you will need in later years. 5. Determine how you will fill the income gap - There are many ways to fill the income gap. You could have your savings in a balanced portfolio and withdraw 4% from them each year. Or you could have all your funds in accounts that have no market risk, like fixed annuities or bank CD's. Many people will do a combination of both, having some assets in the market and having others in guaranteed products that have no market risk. There is no right or wrong way. You have to find a strategy that meets your goals and allows you to sleep comfortably at night. To download a free copy of "How To Avoid Annuity Traps" click here: http://retirementplanningmadeeasy.com/annuity-traps To read the full article that accompanies this video click here: http://retirementplanningmadeeasy.com/build-your-own-retirement-income-plan-in-5-easy-steps/ 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: 6228 Retirement Planning Made Easy
how to earn lifetime pension / plan your retirement
 
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retirement calculator, pension calculator, 401k, retirement planning, private pension, pension age, pensions
Просмотров: 7764 Rakesh Shetty
Earn 50000 Per Month After One time Invest 90 Lakh || Best Investment Plan
 
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ONLY FOR WHATSUP 9315393283 आप इस पर Request भेज सकते हो जीवन लाभ को यहाँ देखे LIC JEEVAN LABH 836 FULL VIDEO https://youtu.be/RlchMqCm1ns आप को LIC के सभी प्लान्स की जानकारी इस विडियो में दी जा रही है आप उनके लिंक निचे भी देख सकते हो फिर भी कुछ और जानना हो तों lic के विकास अधिकारी या lic एजेंट से संपर्क करे या मुझे कमेन्ट करे प्लीज शेयर और सब्सक्राइब जरूर करे https://www.youtube.com/channel/UCk4CMWft_ZE-RC7EVLOOEAg/featured?sub_confirmation=1 जीवन लक्ष्य पालिसी टेबल 833https://youtu.be/wqB2OqdSE4Q?sub_confirmation=1 LIC COMBINATION PLAN 6 https://youtu.be/soRoxChoaoA LIC WARN CUSTOMERS...https://youtu.be/zN4yNWn_Yc4 HOW TO PAY LIC PREMIUM ONLINE https://youtu.be/5y4JxUyshsU HOW TO LINK LIC POLICY WITH AADHAAR CARD AND PAN CARD https://youtu.be/NAQf6AYpSU8 HOW TO SAVE INCOME TAX 80C 80D WITH LIC PPF MF https://youtu.be/g8QJxig_UNU LIC CANCER POLICY 905 https://youtu.be/IX7rAPeifHU DEATH CLAIM RATIO LIC VS PRIVATE COMPANIES https://youtu.be/wmbHhIFbBXw दुनिया की सबसे बड़ी पालिसी https://youtu.be/dsaSjNUiOnw LIC COMBINATION PLAN - 5 JEEVAN SIKSHA POLICY https://youtu.be/rolzdrnezdo LIC COMBINATION -4 JEEVAN LABH SPECIAL https://youtu.be/bIaUPH_zM44 LIC COMBINATION -3 MARRIAGE AND PENSION PLAN https://youtu.be/3N1Tnn8PkK4 LIC COMBINATION -2 JEEVAN HAMSAFAR JEEVAN SATHI https://youtu.be/w5xPKY3UxCs LIC COMBINATION -1 DIWALI DAMAKA JEEVAN ANAND COMBINATION सबसे ज्यादा फेमस कॉम्बिनेशन https://youtu.be/Rt20ROQa_aM LIC JEEVAN TARUN VS SUKANYA SAMRIDHI YOJANA https://youtu.be/cVfnuws_dOE LIC AADHAAR SHILA 844 DEATH AND MATURITY BENEFITS https://youtu.be/tNYWI2W26yA AADHAAR SHILA 844 BASIC INFORMATION https://youtu.be/s6BShko0RuI LIC SINGLE PREMIUM 817 DEATH AND MATURITY BENEFITS https://youtu.be/0gMYoSL7nms LIC SINGLE PREMIUM 817 BASIC INFORMATION https://youtu.be/G19_ZqF29BU LIC AADHAAR STAMB 843 FULL DETAILS MATURITY BENEFITS https://youtu.be/35AKS6pg8_k AADHAAR STAMB 843 BASIC INFORMATION https://youtu.be/VxeXpQPmkSc HOW TO FILL NEFT FOR MONEY BACK AND MATURITY https://youtu.be/xr-ec6JGvOg LIC JEEVAN ANAND 815 DEATH AND MATURITY BENEFITS https://youtu.be/Dl3bcQfiu28 LIC JEEVAN TARUN 834 MATURITY BENEFITS WITH EXAMPLE https://youtu.be/kNIYhuthPH0 LIC JEEVAN TARUN 834 BASIC INFORMATION https://youtu.be/P3sRJcn7QPw LIC MONEY BACK POLICY 821 https://youtu.be/GRHHQDkpmec कन्यादान पालिसी लेने से पहले जाने इन 10 बातों को https://youtu.be/BxV_5RjhlCg LIC JEEVAN UMANG MATURITY AND DEATH BENEFITS https://youtu.be/4Qs7HzzUm9Y LIC JEEVAN UMANG 845 BASIC INFORMATIONS https://youtu.be/vt6KC8lQVWA LIC JEEVAN UMANG 845 FULL DETAILS https://youtu.be/BnlX1BLx52Y PRADHAN MANTRI VAYA VANDANA YOJANA https://youtu.be/kOBeE3wGxGg LIC JEEVAN UTKARSH 846 FULL DETAILS https://youtu.be/FoGsBHCJkpE HOW TO CALCULATE LIC BONUS AND MATURITY https://youtu.be/LyFQ6v_Xgok LIC JEEVAN AKSHAY VI 189 https://youtu.be/8USx1hUtess LIC AADHAAR SHILA 844 ONLY FOR WOMEN https://youtu.be/-I-pQxuyyDA LIC AADHAAR STAMB 843 ONLY FOR MEN https://youtu.be/jIP93aqBAKM LIC KANYADAAN POLICY https://youtu.be/bNJUx4zYer8 HOW TO CALCULATE LIC PREMIUM https://youtu.be/PHGIiOz7HNw HOW TO CALCULATE LIC MATURITY LATE FEE https://youtu.be/UNFqLfg0fTk LIC JEEVAN ANAND 815 BASIC INFORMATION https://youtu.be/T-MZDtfbX3Y LIC MONEY BACK PLAN 820 https://youtu.be/p2oQEYIXixU LIC JEEVAN PRAGATI 838 https://youtu.be/TOn1k7VwGPE LIC LIMITED PREMIUM POLICY 830 https://youtu.be/rs_AhvSQoI8 NEW BIMA BACHAT 816/ FIXED DEPOSIT https://youtu.be/yhI9od7o5aQ LIC AMULAYA JEEVAN TERM PLAN 823 https://youtu.be/Pz2RBXFYnRo LIC CHILDREN MONEY BACK PLAN 832 https://youtu.be/qNvlvJ0zHKw LIC JEEVAN LABH 836 FULL VIDEO https://youtu.be/RlchMqCm1ns LIC JEEVAN LABH 836 BASIC INFORMATION SORT VIDEO https://youtu.be/k01hjrhnTsg LIC ENDOWMENT 814 FULL VIDEO https://youtu.be/MWQTTqUWoWs LIC ENDOWMENT 814 BASIC INFORMATION SORT VIDEO https://youtu.be/4GT2vOI5hPA LIC ANMOL JEEVAN 822 TERM PLAN
Просмотров: 122676 INSURANCE CUSTOMER CARE
Top 3 Best Fixed Annuities For Retirement Planning
 
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When there's a need and they are used properly, annuities may play a very helpful role in a retirees planning. To download your free copy of the ebook, "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... Everybody has different needs. So the "best" annuity for one person will not be the "best" annuity for another. Keeping that in mind, let's look at 3 types of fixed annuities that are commonly used for retirement planning. #1: Immediate Annuity - This is the simplest annuity to understand. You give some money to an insurance company and they pay you back an income that can last the rest of your life if you'd like it to. It's best used for people that need some additional guaranteed income in retirement to meet their monthly expenses. #2: CD-Like Annuities - These are called Multi-Year Guaranteed Annuities. They guarantee a fixed interest rate for a set period of time. They are very similar to bank CD's. These are best used when you want a guaranteed interest rate on your money with no market risk. They provide predictability. #3: Fixed Index Annuities - These don't decline in value if the market crashes, so they are a good option from an asset protection stand point. Expect conservative growth from these annuities. They only participate in a portion of the increase of whatever index they are tracking. They are best used when a person wants a portion of their portfolio to not have market risk in it. They have the potential to outperform other conservative investments. They can also be used to guarantee income through income riders that can often voluntarily be added to them. To download your free copy of the ebook, "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... To read the full article that goes with this video click here: http://retirementplanningmadeeasy.com/top-3-best-fixed-annuities-for-retirement-planning/ 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: 12295 Retirement Planning Made Easy
How to choose the best retirement account for you.
 
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There is a few different retirement accounts that most people are guided to. Innevitably there is confusion over which is best for them. While there is a lot of general information about these types of retirement accounts we wanted to talk about how to choose between them. The first and best type of retirement account is the Roth IRA. It is the most flexible type of retirement investment vehicle. It allows you to invest post tax. The contributions you make and the returns you accumulate over time are all free of any tax. Also, you can take out any contributions at anytime without penalty. The next best retirement account type is the Roth 401k. This retirement account type is provided by your employer. You contribute post tax dollars, but your employers contributions are pretax. You do not have the flexibility of taking out your contributions at any time though so this is something to consider. Next is the 401k which is also an employer offered plan. In this type of account you contribute pre tax money and then pay taxes in retirement. You should ONLY consider this type of account if you are getting a match from your employer. Finally we have the Traditional IRA which is last on our list. It's last because you cannot take contributions out without paying a penalty and taxes. Also, you are required to start taking withdrawals when you reach age 70 which may limit your opportunity to leave money to heirs. Finally, all the contributions and gains are taxed in retirement. We're an investing service that also helps you keep your dough straight. We'll manage your retirement investments and, using NestEgg we can help you with every penny! ---Ready to subscribe--- https://www.youtube.com/jazzwealth?sub_confirmation=1 For more information visit: www.JazzWealth.com --- Instagram @jazzWealth --- Facebook https://www.facebook.com/JazzWealth/ --- Twitter @jazzWealth Investment related questions 📧 Dustin@JazzWealth.com Business Affairs 📧Carolyn@JazzWealth.com
Просмотров: 1817 Jazz Wealth Managers
Get Rea!: The Johor Bahru Retirement Plan
 
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Lured by cheap property prices and an idyllic lifestyle, more Singaporeans like Jeanne Conceicao are seriously considering retiring across the causeway. The single professional already calls Johor Bahru in Malaysia home and commutes to Singapore daily for work. And developers are homing in on such pre-retirees, with different housing options in the works, including one for Singaporeans by Singaporeans. But how viable is The JB Retirement Plan?
Просмотров: 53431 Channel NewsAsia
Should You Continue Working To Increase Retirement Income? No!  Here's Why
 
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An academic paper titled "The Power of Working Longer" may lead you to believe it's imperative to stay at your crappy, old job in order to maximize your retirement income. But, if you dive deep in the weeds in the paper's results you'll quickly see there is a different way of looking at their conclusions. The paper offers 4 scenarios as to why working another year, 2 or more, will increase your retirement income. 1. Deferring Social Security increases your benefit by 8% a year. 2. Additions to your retirement account while you're working that extra year or more. 3. NOT taking distributions from your portfolio while working that extra year or more. 4. Increasing age, means a cheaper income annuity when you do retire All of these scenarios make sense. But what the paper shows is that one scenario, ABOVE ALL ELSE, easily dominates the other 3 combined. Nothing comes close to the one scenario. Under any circumstance at any time. What is that one circumstance??? Deferring Social Security. Adding to your portfolio can help, indeed, but's minimal. Increasing your age helps too as the annuities get less expensive the older you get, but it's minimal. Increasing rates of return closer to retirement, or increasing your contribution amount closer to retirement are simply insignificant. Increasing rates of return over the entirety of your working career can play a factor, but relative to the risk assumed, it's a big trade off. MUCH more risk for not much more income. Increasing percentage savings doesn't come anywhere near deferring Social Security. So, why does the paper lead one to believe that working longer is key to more sustainable income? Because they assume working longer = deferring Social Security. But you can DEFER SOcial Security AND quit your crappy old job too! These two things are NOT mutually exclusive. Thus, my conclusion is, if Social Security deferral is the primary way to increase retirement income, which it is, you should focus SOLELY on how you can defer Social Security above all else. https://siepr.stanford.edu/system/files/John%20Shoven%20-%20The%20Power%20of%20Working%20Longer.pdf ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH My Amazon Product page: https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission. Much appreciated! PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
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Retirement Investing Pitfall #1 - Trying to Time the Markets
 
02:47
Today, I am going to do something a little different and launch a weekly video series. This series is going to be based on a chapter from my newly released best-selling book Plan Smart, Retire Right. In the book, I wrote a chapter titled Retirement Investing Pitfalls. As experience has taught us, successful investing usually requires discipline and patience, and finding the right balance between changes in the economy and how to manage your money can often seem challenging. A sound approach to your money can help buffer you against turbulence and uncertainty. There isn’t one right approach to investing for your retirement, and there are certainly a number of commonly encountered pitfalls that many investors make. How can you avoid making these mistakes? When it comes to retirement planning, in my opinion, knowledge is the best defense. The more you know about the pitfalls that could potentially derail your retirement, the better prepared you are when it comes to avoiding them. This week, I want to cover the 1st Retirement Investment Pitfall from my book, and that is Trying to Time the Market. When markets rally, or pull back, attempting to find the top to sell, or the bottom to buy, may seem tempting. The problem, however, is that investors usually guess wrong, potentially missing out on the best market plays. One reason is attempting to time the market and predict future movements. This sounds great in theory, but market timing works about as well as fortune telling. Essentially, by trying to time the market, you are relying on speculation, instead of certainties or patterns. When people invest on the high and pull out on the low, they may miss opportunities by not remaining patient. The problem is that equity gains can often be made in a very short amount of time. And if you are not in the market when it moves, you may miss out on the whole play. The bottom line…accurately chasing the market tops and bottoms is virtually impossible. A better approach may be to make small adjustments or tweaks rather than big moves with your money. As my experience has proven, time in the market matters more than timing of the market. Stay tuned for our next video in the series where we will discuss the pitfall of taking too much risk. 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
Retirement Planning Checklist
 
16:59
Learn about the steps you should take as you prepare to retire. One Year Before Retiring (1:17) Nine Months Before Retiring (3:22) Six Months Before Retiring (4:18) Four to Five Months Before Retiring (5:17) Three to Four Months Before Retiring (6:24) Three Months Before Retiring (6:59) You're Retired - Now What? (8:52) Tools & Resources (9:45) Contacting CalPERS (14:33) ©2016 CalPERS
Просмотров: 20976 CalPERS
Private Pension Plan Overview - Replace 401k with BEST PLAN on Earth - ZERO Losses/Tax-Free Income
 
26:26
Get a customized, complimentary proposal by emailing: Client@RealPrivatePension.com . Send what state you live in, your age, and amount you can save every month without trouble. Cover of TIME Magazine - October 19, 2009 "Why It's Time to Retire the 401(k): And what you can do instead) By Steven Gandel On page 33, it states, "The solution: a new type of insurance...We need insurance to protect against risks we cant predict (when the market collapses) and can't afford to recover from on our own...The best was to guarantee a replacement for people's wages in retirement is by pooling risk, and the way to do that is through insurance." Put time in your favor now. Contact me and discover how much GUARANTEED income you would receive with an IUL. For your best retirement, David Rodriguez Get a Free, Personalized Private Pension Plan Proposal by calling David at (415) 939-6768 or email me, info@DavidJRodriguez.net
Просмотров: 98900 Retirement Income TV
Should You Cash Out Your 401k to Buy Real Estate?
 
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Should You Cash Out Your 401k to Buy Real Estate? One of my favorite strategies for purchasing cash flowing real estate is taking a loan from my 401k plan. But today, I want to talk about something different: totally withdrawing from your 401k in order to purchase a rental property. In this video, you’ll learn about the big problem with 401ks. You’ll also learn how to best weigh your options if you’re thinking about cashing out your retirement account. I’ll share the advice I received from my tax accountant, and discuss the fees associated with withdrawing from your 401k. This video is for you if you are assessing all your options in order to become a real estate investor. You’ll learn about the differing guidelines for 401k policies, as well as how to change the Wall Street mindset around 401ks. BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Просмотров: 37763 Morris Invest
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: 10250513 LastWeekTonight
Common Mistakes People Make When Saving for Retirement | Online Trading Academy San Diego
 
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If you think you don’t have enough money to retire then this show is for you. Be guided on how to prepare for a stock market crash for buy and hold investment strategy. Watch Karen Trisko on how online trading can alter your financial picture especially on declining stocks in the market. Don’t wait for the time when you realize that half of your savings are gone. Visit http://FreeOTAClass.com for your free ticket to a half-day class today. Karen Trisko is the Managing Director & Instructor at Online Trading Academy, San Diego Campus. Online Trading Academy is a financial education firm focused on skills training, giving people the tools to feel secure about managing their own money. Related Search Terms: retirement retirement savings retirement savings dilemma retirement savings plan retirement savings account retirement savings crisis retirement plan retirement planning mistakes investing mistakes stock investing mistakes online trading online stock trading stock trading mistakes retirement planning investing personal finance 401k stock market roth ira finance saving for retirement how to invest financial education ira invest money retire market investment
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Real Estate With Your 401K
 
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Real Estate With Your 401K One option for investing in real estate is to borrow from your 401k. Taking out a loan from your retirement plan allows you a large chunk of money with which you can purchase an investment. Today we’re diving deep into the topic of how to buy real estate with your 401k loans. We'll share misconceptions about 401k accounts, and how you can use yours as a tool in your investment arsenal. VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://www.youtube.com/playlist?list=PLZdhTWJ6Yawp1LPllyyeQho_ouMhrbOy6 VIDEOS ABOUT REAL ESTATE NEWS https://www.youtube.com/playlist?list=PLZdhTWJ6Yawp7aUQgMPmAanHSYgP-UI0i SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://www.youtube.com/c/MorrisInvest BOOK A CALL WITH OUR TEAM TODAY AT MORRIS INVEST: http://www.morrisinvest.com LISTEN TO THE PODCAST: iTunes: https://itunes.apple.com/us/podcast/investing-in-real-estate-clayton/id1115024566?mt=2 FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
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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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Are you planning to  buy SBI Life Smart Wealth Builder policy?
 
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Harbhajan Singh, Singhbhum (Jharkhand) age-45, income-1 lakh pa Q: I want to buy SBI Life Smart Wealth Builder policy for 5 years. I can pay premium of around one lakh each year. please advice for 5 yrs or tell me about another policy which will be better.? Ans: This is a ULIP plan which offers a guaranteed addition of upto 125% of one year’s annual premium. ULIPs are a good option today when considering investing for the long term. However the charges in this plan are on the higher side and I would recommend that he look at some plans which have much lower or even zero premium allocation charges. In this plan, you have PAC of 9% in the first year which reduces to 3% in the 9th year. That means in the first year, only 90% of the money invested by you will be invested. I would recommend that you look at plans like HDFC Click 2 Invest or AEGON Religare iMaximize plan which have zero premium allocation charges. Stay invested for the 15 to 20 years and enjoy the benefits.
Просмотров: 148341 MyInsuranceClub
Top 5 SBI Mutual funds 2018 | SBI mutual funds top 5 SIP plans | Mutual funds SBI online Investment
 
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Mutual funds SBI online Investment | Top 5 SBI Mutual funds 2018 | Sbi mutual funds buy online. ---------------------------------------------------------------------------------------------------- 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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Retirement Planning Tips Part 11 | Fisher Investments [2018]
 
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Retirement planning can be challenging. Whether you’re saving for retirement, or already retired, you can benefit from additional retirement planning tips and advice. For example, much of your retirement planning goes beyond saving and allocating your investments appropriately—it also includes how to best support the retirement lifestyle you want. Perhaps you want to travel, pursue hobbies, spend more time with family and friends—or simply rest and relax during your retirement years. Whatever your goal learn how you can retire comfortably in part 11 of investment guru Ken Fisher’s 99 Retirement Planning Tips. This week’s tips include travelling, taking a cruise, planning a family vacation and more. Check back weekly for tips that can help you through your retirement planning. Retirement can be an exciting time—don’t let the challenges of retirement planning get in the way of enjoying the retirement you envision. If you missed part 10, watch it here. https://youtu.be/S_6jbSeghn0 Download our guide here. http://ow.ly/If7d50iuld6 To learn more investing tips, visit www.fisherinvestments.com Please subscribe and comment below. Connect with us on: Facebook - https://www.facebook.com/fisherinvestments Twitter - https://twitter.com/fisherinvest LinkedIn - https://www.linkedin.com/company/fisher-investments
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I've Been Investing $1,000 A Month Into Whole Life Insurance
 
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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: 83851 The Dave Ramsey Show
Private Pensions ***Easily Explained** Private Pension
 
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What are private pensions – What is a private pension annuity? http://www.RetireSharp.com 1-800-566-1002. What are the best types of private pensions for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to purchase a private pension plan. This is the time when private pensions can do a whole lot of good to you. There are several schemes and policies available which can be quite helpful to solve the financial issues. But, those need to be dealt with during the time when the person is still an employed one and have years of service before facing up with retirement. Pension fund: A pension fund is the umbrella term to describe the assets built up in a pension plan. This can be shaped in a number of ways, including through your employer or by way of private pensions. The investment built up through the years is used at retirement to purchase a pension annuity. Pension payments cause customers to worry about while taking pension schemes. Different modes like automatic bank transfers, post dated checks can be used to pay the pension premiums. Private pensions are first preference of customers because you need not to run to pension offices for processing. In just one call of your executive will come at your door step to provide you the best services. A pension annuity will assure you a lifetime income. However, the amount of this income depends entirely on the annuity chosen. That is why it is so important to make the correct decision when making a selection. The difference between annuities can add up to 30% more income each year for the rest of your life. When people choose a pension annuity or turn 75 one year it is time to sign a contract with a provider. When applying for a pension annuity, the verbal agreement may sound perfect, but the contract may contain some relevant information about the security of the money they are investing. One of the important things to look for is the floor policy of the contract. This protects the investments from being lost completely. Besides the difference in income plans, pension annuity rates are usually dependable on other factors like life expectancy, medical status, smoking habits and other things. Until recently men were receiving better pension annuity rates because they have a shorter life expectancy according to the statistics. The European Court recognized this as sex discrimination and significant changes will be implied in the pension annuity market. While there were differences for male and female, this option is probably going to get eliminated. It is not difficult to get very good retirement pension annuity rates if the correct policy is chosen. Since rates vary on retirement pension annuities, it is important that research be done to find the best one possible. In doing this research you need to investigate all possibilities. While one offer might be lower, it might not be the best one available. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: Private pensions fully explained Top individual private pension plan Best private pensions What is the best private pension from retirement plans How to rollover my 401k to create a private pension through an insurance company https://www.youtube.com/watch?v=ydaTuebA1dY
Просмотров: 2706 retiresharp
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. !
Просмотров: 1184979 Fin Baba
How to Withdraw from 401k after age 60 - How to Withdraw from 401ks after Age 60
 
18:00
What are the ways on how to withdraw from 401k after age 60 – How to withdraw from 401ks after age 60? 1-800-566-1002 http://www.RetireSharp.com . What are the best ways how to withdraw from 401k after age 60 for retirement and learn how you can avoid the most common mistakes that individuals have made when looking how to withdraw from 401k after age 60. 401K Rollover Or 401K Withdrawal? What's the difference between a 401k withdrawal and a 401k rollover anyways? Can you do a rollover without doing a withdrawal? Read to find out how. Closer to the last stages of your retirement, you'll need to understand the distribution process. You maybe changing careers or retiring soon and in need of income. Regardless of the need, there's some standard steps that you'll need to adhere to. If not done correctly, you may face adverse tax consequences. While most employers no longer offer pensions, many still offer a 401k retirement plan. With disciplined investing, you may have saved up a substantial nest egg. If you've separated from your job or severed from service, it's very important to handle everything properly. It's very crucial you understand the 401k withdraw process. Foremost, when withdrawing from a 401k or any other qualified plan, there can be consequences. If you are 59 1/2 or older, you can take withdrawals from your 401k retirement without any penalty. In all cases that early retirement withdrawal prior to 59 1/2 can cost you an extra 10% tax. This is in addition to you being taxed at your current income rate. At age 70 1/2, it is mandatory to take withdrawals call RMD or required minimum distribution. These penalties can be avoided by doing what's called a 401k rollover. Rolling your 401k maybe the best option for deferring taxation. Doing a rollover allows you to move your funds from your current 401k to another account. This is very commonly done by moving the funds to an IRA or individual retirement account. By making a 401k rollover, you often have more control of your account than leaving it at your previous employer. This is by far the most preferred method than having an old employer keep the funds. The old employer can charge fees as well for doing so. A lump sum distribution is also an option when making a 401k withdrawal. Lets say you cash out the old 401k. Again if done prior to age 59 1/2, there is the 10% penalty. Additionally, employers will require you to withhold 20% to cover income taxes. There is one exception to this rule and it would applies to using the withdrawals for a 1st time home purchase. The limit to that exception is up to $10,000 out of an IRA or 401k for sole use of a 1st time home buyer. Another way to avoid taxation, is to do a direct transfer. This is done by transferring the funds directly from your old employer to the new IRA account you set up or new 401k from a new employer. If the distribution check was made out to you and mailed to you; then you have 60 days to complete a transfer to another institution. The direct transfer is the preferred way since it does not require a deadline to meet. Either way would work for a 401k withdrawal. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: how to withdraw from 401k after age 60 annuities how to withdraw from 401k after age 60 income how to withdraw from 401k after age 60 explained how to withdraw from 401k after age 60 reviews how to withdraw from 401k after age 60 review What is the best fixed indexed how to withdraw from 401k after age 60 vs the top immediate income how to withdraw from 401k after age 60 for retirement https://www.youtube.com/watch?v=gR8KSYt5cz4
Просмотров: 34012 retiresharp
Understanding Your Retirement Benefit Options
 
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Retirement is a significant milestone and can be the beginning of one of the best phases of your life. In this webinar learn about the retirement benefit options offered by CalPERS.
Просмотров: 14057 CalPERS
Earn 70,000 Income After One time Investment with LIC Jeevan Akshay VI policy | Best Investment Plan
 
03:50
Hey Guys, Today I am going to show you the Plan where you need to Invest your money for only One time and Get Return Income of Rs. 70,000 Every Year. It is a good Plan From LIC to Make Money. I consider this as one of my best investment plan among All plans for earning Money with LIC.
Просмотров: 1049555 Khabree Laal
Earn 10,000 Income Every Month after 1 Time Investment, LIC Pradhan Mantri Vaya Vandana Yojana PMVVY
 
04:33
Hey Guys, Today in this video I am going to explain you 'Pradhan Mantri Vaya Vandana Yojana' under which any person above 60 years age can invest his money for 1 Time and Earn Income of 10,000 for 10 Years and there after gets his whole money Back. Do Share your Views on This Scheme and Don't Forget to Subscribe us here - https://www.youtube.com/channel/UCKtfMhIwZOD8bXygXg-rREw
Просмотров: 883608 Khabree Laal
Use This Simple Arbitrage Strategy to Maximize Your Retirement Income
 
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Are you throwing away easy money by not understanding how Social Security works? In this video we're going to dive DEEP into an arbitrage strategy you can incorporate to provide you significant bump in your retirement income when it comes to choose when to claim Social Security. We'll revisit the professors from Stanford and George Mason who had written an article titled "LEAVING BIG MONEY ON THE TABLE: ARBITRAGE OPPORTUNITIES IN DELAYING SOCIAL SECURITY" which you can find for free here. https://www.nber.org/papers/w22853.pdf The authors show us how an annuity from a private company costs SIGNFICANTLY more than the one you can get from Social Security. In fact, using this arbitrage strategy could increase your net worth by nearly $250.000 depending on your circumstances. The best thing about this strategy is ANYONE can do it and in almost ALL cases you will net gains. What other strategy can you look at that the benefits are so in your favor? For example, John is 66 and single. He needs $13,500 in annual income. If he takes Social Security at 66 his benefit will be $12,500. So he will need to supplement his income with $1,000 each year from some other source. Have read the OVERWHELMING academic literature on income annuities, he decides to purchase an inflation-indexed income annuity that will provide $1,000 a year in income. That annuity costs $22,290. So he spends $22,290 to have $13,500 a year in inflation-adjusted income. Jerry, on the other hand, says he's going to delay taking Social Security until he's 67, when his Social Security income is $13,500. Because his Social Securityh income will provide his income needs next year and every year there after, he only needs to come up with enough money to get him through this year, which is $13,500. So, Jerry spends $13,500 to have $13,500 in inflation adjusted income each year for the rest of his life. John, though, spent $22,290 which is $8,790 more, for the same net result! And it only gets better for married couples. If John were married and wanted that $1,000 annual income to be there, in full, for his surviving spouse, he'd have to pay $28,547 for that annuity. He'd spent $28,547 for $13,500 of inflation-indexed to cover his and his surviving spouse's life, whereas he'd only needed to have spent $13,500 in the one year in which he would delay Social Security. In this scenario the arbitrage opportunity is over $15,000, which more than DOUBLE the costs of deferring Social Security for a year. The longer you play this scenario out, the beneficial it becomes in almost EVERY CASE too. So, are you leaving easy money on the table by taking Social Security early??? ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: ALL are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 State by State Tax Guide For Retirees: https://amzn.to/2A1TmkH My Amazon Product page: https://www.amazon.com/shop/heritagewealthplanning Anything you buy there Amazon pays me a commission. Much appreciated! PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 1558 Heritage Wealth Planning
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: 70407 KimSnider
Calculate Value of Savings/Retirement Plan in Excel - FV()
 
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http://www.TeachMsOffice.com This teaches you how to use the FV() Future Value function in excel in order to calculate how much a savings or retirement plan will be worth in so many years. This is a simple example and assumes annuity like payments. You will learn how to do this on an annual basis and then how to modify that to work for any number of deposits per year or period. If you want to follow along with the spreadsheet seen here or just to download that spreadsheet, check out the website and navigate to this tutorial: http://www.TeachExcel.com
Просмотров: 49358 TeachExcel
Retirement in :20 Seconds - Retirement Planning for Women
 
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Women need to save more for retirement. Learn why in just 20 seconds. About Voya Financial® Voya Financial, Inc. (NYSE: VOYA), helps Americans plan, invest and protect their savings — to get ready to retire better. Serving the financial needs of approximately 15 million individual and institutional customers in the United States, Voya is a Fortune 500 company that had $8.6 billion in revenue in 2017. The company had $541 billion in total assets under management and administration as of March 31, 2018. With a clear mission to make a secure financial future possible — one person, one family, one institution at a time — Voya’s vision is to be America’s Retirement Company®. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya is equally committed to conducting business in a way that is socially, environmentally, economically and ethically responsible. Voya has been recognized as one of the 2018 World’s Most Ethical Companies® by the Ethisphere Institute, one of the 2018 World’s Most Admired Companies by Fortune magazine and one of the Top Green Companies in the U.S. by Newsweek magazine. For more information, visit voya.com. Follow Voya Financial on Facebook, LinkedIn and Twitter @Voya.
Просмотров: 490 Voya Financial
Suze's Favorite Retirement Plans | Suze Orman
 
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What are Suze's favorite retirement accounts?Suze dishes on best retirement plan options for you. » SUBSCRIBE to Suze Orman's YouTube Channel: http://www.youtube.com/c/suzeorman?sub_confirmation=1 - Visit Suze Orman's Website: http://www.suzeorman.com » WATCH the latest from Suze: https://www.youtube.com/suzeorman ABOUT: Suze has been called “a force in the world of personal finance” and a “one-woman financial advice powerhouse” by USA Today. A two-time Emmy Award-winning television host, New York Times mega bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today, Orman is undeniably America’s most recognized expert on personal finance.. Subscribe to Suze's channel for exclusive footage, new videos and more! Connect with Suze Online! Visit Suze Orman's Website: http://www.suzeorman.com Find Suze Orman on Facebook: https://www.facebook.com/suzeorman Follow Suze Orman on Twitter: https://twitter.com/suzeormanshow Suze's favorite retirement plans | Suze Orman
Просмотров: 31771 Suze Orman's Official Channel
Purchasing Real Estate with an Annuity
 
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Purchasing Real Estate with an Annuity If you’re searching for ways to finance your real estate investing business, you might consider using funds held in a retirement plan. Specifically, I was recently asked if it’s possible to use an annuity to invest in a rental property. In this video, I’ll talk about using an annuity to purchase real estate. I’ll compare this investing strategy to withdrawing from a 401k, and share some of the pros and cons of an annuity withdrawal. You’ll learn about early withdrawal penalties, and how the IRS treats annuities. You’ll also hear about comparing and trading interest rates in order to make the most informed decision possible. This video is for you if you’ve ever wondered about additional ways to acquire cash flowing rental properties! BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Просмотров: 5234 Morris Invest
post office savings scheme 2018 Hindi ! PPF(Public Provident Fund) Scheme !
 
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post office savings scheme 2018 Hindi ! PPF(Public Provident Fund) Scheme ! अधिक जानकारी के नीचे दिये गये लिंक पर जाये। https://www.mybestscheme.com इस विडियों में आपको Post Office की Best Scheme के बारे में जानकारी मिलेगीं. इस विडियों में मै आपको ऐसी Scheme के बारे बताउगा की 1.5 लाख जमा करने पर आपको 43 लाख रुपये मिलेगें।
Просмотров: 8066747 VP WORLD
Pension vs 401k - Pension vs 401k for Dummies
 
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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: 15532 retiresharp
Cash In Pension Early - Retirement Money Plan - Release Funds & Pay Benefits With No Tax
 
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http://www.cashinmypension.com/ Call: 0800 122 33 24 Cash in your UK pension early If you're preparing for retirement and want to withdraw the money that you gained during your whole life, then the first thing to do is to request a funds release from your pension company. However, as the standard retirement age in UK is 65, in order to get your pension earlier than that you're going to need a good reason. Sometimes, a medical reason is enough to forward your request, while other times you might need to have completed several employment years. The amount of money that you can unlock from a pension greatly depends on the funds that you harvested as an employee. However, in order to unlock your funds you'll need the help of an expert company, which can explain you exactly how to get the most out of your accounts and how to benefit from a tax free income. As an individual, your best option for withdrawing the pension early is to ask for advice from a specialist in this field. Your permanent contribution to the system is the one which dictates exactly how much money you're going to receive. As a retiree you won't have any more financial obligations, but the state might still hold a tax from the money you're going to receive. When you get the cash release, your best bet is to invest it right away, regardless of whether you need to pay up your loan or place some extra for your holiday. The insurance business will explain you the exact procedure for withdrawing your pension, and you will continue to live happy. However, take into account that the early retirement might seem somewhat difficult, due to the implied bureaucracy. According to most employers, the best moment for retirement is somewhere over the 60 age. When completing the pension process make sure everything is secure, and spread the word around if something seems out of place. There's no time limit for withdrawing your pension, however if you don't get to receive the cash while you're alive, then somebody in your family will benefit from this account. That's why it's best to reach this potential insurance while you still can. A significant number of people are requesting their pensions when they found themselves in tricky situations before retirement. However, the key to unlocking more cash is to make a plan and not to rush until you reach the desired capital, even if that's located at one billion pounds. The maximum sum that pension companies will offer you depends solely on how many pounds you managed to raise during your whole life. Retirement comes with many benefits. When you receive your pension, you might choose to travel anywhere you like. But the funding plan is very important too. Always consider that a certain risk is implied, and your policy might not be able to cover it. That being said, when the state will release your pension you'll be able to enjoy it freely. You might purchase yourself a new gm ford auto or take care of your existing one, but keep in mind the risks and benefits. It's not worth it to spend your entire pension at once, so maintain a reserve fund just in case. Many retirees don't how to administer their lump, and this is a huge loss of money on the long run. Your pension will never exceed what you received as a salaried person, so provide yourself with a good plan and don't spend everything at once. Pension plans are very important for your goal and purpose, so keep that extra retirees pounds just in case. What's more, pension plans are described by erisa as a must. That's why raising a plan is truly necessary in order to maintain a funded climate. Pay up your bills but don't forget about the proper long-term plans after the release. After all, cashing in your pension is not something to be taken lightly. http://www.cashinmypension.com/ Call: 0800 122 33 24
Просмотров: 1923 James Morrey
Buying Investment Property For Retirement Income In The UK
 
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https://sterlingwoodrow.com/best-retirement-investments-fully-managed-properties/ - The Best Retirement Investments Are In The Property Sector For most people the number one thought when thinking about retirement is money worries. Fully-managed properties are the best retirement investments for those who want to save by earning a stable, passive income. An astonishing 1 in 3 UK retirees will only have state pension to rely on for retirement funding. The FCA found that around 15 million people in the UK have no pension savings and are at risk of facing a bleak financial future in retirement. 31% of UK adults have no private pension provision and will be forced to rely on the state during retirement. At Sterling Woodrow, many of our clients use our property investments as a great way to earn and save without giving up their precious time. When you invest in a UK property with us, you follow the same process as purchasing your own house to live in. We will give you the title deed, so the property is legally owned by you for however long the lease is. This means that you can sell it, pass it on to your children or use your earnings for something other than retirement. Our fully-managed investments are secure because the rental yields are assured at a NET percentage. The assured yields and set term means that you know exactly what you’re getting out of the money you put in and when you will be getting it. Read more here; https://sterlingwoodrow.com/best-retirement-investments-fully-managed-properties/ Sterling Woodrow 84a High Street, Billericay, Essex CM12 9BT 01708 922222
Просмотров: 25 Sterling Woodrow
The Coming Retirement Crisis | Real Vision™
 
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In this hard-hitting Real Vision special, Raoul Pal presents the single most important financial topic of a generation — the Baby Boomer retirement crisis. He asks the hard questions: Can you afford to retire? How will the coming crisis impact your life? What risks are you unknowingly taking with your retirement? Moreover, will the insufficient retirement savings of the largest generation in history cripple the economy? Raoul also explores how savvy retirees might avoid — and even profit from — the threatening crisis. In addition, Raoul also offers a glimpse of a brighter future, in which smart millennials take control of their own financial destiny and side-step the crisis. Watch more Real Vision™ videos: http://po.st/RealVisionVideos Subscribe to Real Vision™ on YouTube: http://po.st/RealVisionSubscribe Start a 14-day free trial: https://we.tl/t-DUVzH4pHwz About Real Vision™: Real Vision™ is the destination for the world’s most successful investors to share their thoughts about what’s happening in today's markets. Think: TED Talks for Finance. On Real Vision™ you get exclusive access to watch the most successful investors, hedge fund managers and traders who share their frank and in-depth investment insights with no agenda, hype or bias. Make smart investment decisions and grow your portfolio with original content brought to you by the biggest names in finance, who get to say what they really think on Real Vision™. Connect with Real Vision™ Online: Linkedin: https://rvtv.io/2xbskqx Twitter: https://rvtv.io/2p5PrhJ The Coming Retirement Crisis | Real Vision™ https://www.youtube.com/c/RealVisionTelevision Transcript: What's very comfortable now may not be so comfortable later on. That's when I might have to take out my mutual funds. My only worry is my dad works for the state of Illinois. The state's pretty much insolvent. And even his health care, which is through the state of Illinois, it could take up to a year for him to get reimbursed for things like that, so that is worrisome. Justine Underhill: Retirement is all some people ever think about, especially the 50-million-plus Americans set to retire in the next few years. They obsess over it, like my dad did. It's what they worked for. It's their dreams. But those dreams could be shattered. You're about to hear Real Vision's founder and CEO, Raoul Pal, explore why we're heading into a retirement crisis in America and around the world as many people take on more risk than they understand. I was curious to see if anyone was thinking about this, so we spoke with people in New York and heard the same story over and over-- people pushing off retirement, people not having enough savings, people relying on government pensions. Here's some of what they said. No. No way I could have saved enough for retirement. I mean, I have enough to retire, let's say, if I want to go to Wyoming or something like that. I saved enough for at least the next 10 years. Who knows with inflation what will happen, but I feel the next 10 years, I'm OK. If the United States government goes out of business, then my pension won't be there. These stories were just a small sample of what we heard. And this is not just something that those actively looking for retirement are going to face. It's something that's going to have a big impact on my generation as well, whether it's figuring out pensions, or social security, or potentially supporting our own parents'. Retirement is part of the promise of life in the developed world. And if that promise isn't met, it's really going to affect everyone, whether you're hoping to retire in 5 years or 50. Roaul Pal: My name's Raoul Pal. I'm the CEO and co-founder of Real Vision. But today, I'm talking on behalf of Global Macro Investor, my research business. I want to talk about what I think is the biggest, single theme of our generation. And I think it's the most important thing that anybody can understand. And it's all about the pension crisis. You see, demographics is the big story of our time. And it's all about the story of the baby boomer generation. This was the largest generation of people the world had ever known in the richest countries in across the globe. Now, that generation drove all of the macroeconomic forces that we come to recognize as normal. When they first came into the labor force back in the 1970s when they 20 or so years old, what they did was they bid up the demand for goods. Because if you think about it, a record number of people came in to buy their first suits, their first house, their first car, their first table, their first chair. Everything was new. That demand created an enormous problem for the world to deal with, and it created the inflationary environment of the '80s.
Просмотров: 300418 Real Vision
From One to Two. When to buy the second investment property
 
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Most property investors stop after one purchase. Now owning even one quality investment property demonstrates an admirable and uncommon preparedness for the challenge of achieving financial security in retirement. But will one asset actually be enough to achieve this goal? And after climbing the steep learning curve to buy the first one, are investors who stop there passing up the opportunity to really get ahead? In this one hour webinar Jarrod McCabe, manager of our property advisory team, and Stuart Wemyss, director of ProSolution Private Clients discuss the answers to these questions, provide the benchmarks a prudent investor should satisfy before ‘going again’ and also provide advice on identifying and securing an asset that delivers a balanced, diversified portfolio. Key moments (min:sec) Will super be enough? 1:33 The case for multiple investment properties 7:50 When is it prudent to buy again? 10:40 Setting a budget 17:00 Diversification of assets 25:48 Q&A starts 28:30 How ProSolution works with clients: Wealth Coach 39:50 Ends 42:15 Questions Answered (min:sec) Is it better to build an investment property portfolio inside or out of a SMSF? How do we decide what level of gearing is safe? 28:44 Should your second potential investment property be cheaper, so it can be closer to positively geared? Perhaps a rural area? 31:43 How much cash flow should one reserve after purchasing the second investment property? 33:40 Is it a good time to buy a two-bedroom apartment now that many are still at their off-the-plan price 6 years later? 34:56 Is there an ideal purchasing formula, e.g. price vs. rental return vs. loan gearing vs. offset balance to maximise investments? 37:06 What are your thoughts about establishing a trust to buy property? Would you use a corporate or individual or corporate structure? 38:40
The Golden Years
 
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For those who have retired. Retirement. It’s a time when people think they’ll own multiple expensive vehicles, buy a yacht, or live in a lavish house next to the beach. For most retirees that is not a reality. This can be because while in retirement, many live on a limited fixed income and must live within their means so not to drown in debt. Debt in retirement is a reality for some people and it can happen to anyone who does not evaluate what they can and cannot afford. Your monthly defined benefit pension and social security will only support so much. Other retirement savings that you’ve worked hard at investing, such as your MO Deferred Comp account, will help you determine your retirement lifestyle. If you’re having trouble understanding your retirement situation, Deferred Comp education specialists are always available for free consultations to assist you throughout your retirement. Remember, MO Deferred Comp is a lifelong employee benefit offering you access to low cost investment solutions made specifically for state of Missouri retirees. Don’t let debt steal your golden years away from you. Make a plan and stick with it!
Investing Basics: Planning for Retirement
 
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Retirement may be the largest financial goal you’ll ever have, and you need a plan to get there. In this video you’ll learn the basics of retirement planning, like how to set a retirement goal, choosing between a Roth or Traditional IRA, and deciding how to manage your investments.
Просмотров: 374540 TDAmeritrade
UK Pension Transfer to India
 
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UK pension transfers to India. Moving to India from the UK? Do you need to move your UK pension from GBP to Indian Rupees and purchase an Indian annuity? Do you want more choices and more freedom? Do you want to transfer your pension to USD or keep it in GBP and grow it whilst you are still young? Are you a British Indian or non-resident Indian? Are you an Indian expat who has worked in the UK? Are you British, but thinking of retiring in India to make your money last longer. QROPS Specialists can help you move your pension to India and get the best India pension plan possible. Ask us for performance records. QROPS India List: HDFC Life Guaranteed Pension Plan India HDFC Life New Immediate Annuity Plan India HDFC Life Pension Super Plus India HDFC Life Personal Pension Plus India HDFC Life Single Premium Pension Super India ICICI Pru Immediate Annuity India Max Life Forever Young Pension Plan India Max Life Guaranteed Life Time Income Plan India National Pension System (NPS) India SBI Life - Annuity Plus India Please contact us for more http://qrops.tv/qrops-transfer-to-india-retirement-benefits-in-india/
Просмотров: 171 QROPS Specialists
The 7 Core Elements of Retirement Planning - Lesson 3
 
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Watch all 3 Lessons in The 7 Core Elements of Retirement Planning Video Series here... http://moneyevolution.com/7-core-elem... On that page you'll also find the link to download your free Action Guide with all the worksheets you'll need to follow along with the videos so you can start planning for your retirement today! Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Financial planning offered through Lethemon Financial, DBA Money Evolution, a registered investment advisor and a separate entity from LPL Financial. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Projections are based on assumptions provided by the advisor/representative, and are not guaranteed. Actual results will vary, perhaps to a significant degree. The projected reports are hypothetical in nature and for illustrative purposes only. Return assumptions do not reflect the deduction of any commissions, or fees or product charges that may apply to any particular investment. Deduction of such charges would result in a lower rate of return. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies.  Investing involves risks including possible loss of principal. CD’s are FDIC Insured and offer a fixed rate of return if held to maturity. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change. Traditional IRA account owners should consider the tax ramifications, age and income restrictions in regards to executing a conversion from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation.
Просмотров: 248 Money Evolution
Cash In Your Pension Retirement Life Plan For Money Pay No Tax & Keep Benefit Value Of Defined Plans
 
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http://www.cashinmypension.com/ Call us on 0800 122 33 24 and to see if you qualify. Cash in Your Pension: What do I need to Know? Defined pensions in UK include Basic State plans, Occupational plans, State Second, Stakeholder, Individual and Group Personal Pensions. Labor plans or occupational plans usually used the number of hours worked to determine your participation. It depends on the number of hours worked in a year to dictate your participation. If you are a worker, participation is advantageous because you tend to take advantage of it in the future. UK has intended to provide pension to their citizens to prevent life poverty after retirement. With the present UK pension and insurance market, more and more elderly tend to cash in their scheme to get benefit from their money to continue with their life. In additions the employer is also being encouraged to help by making an employer contribution from their business to their employees, this is seen as much more valuable than a loan as it is permanent income coming from sharing the equity in the businesses that they join. However, there is a certain scheme that needs to be studied because there is a difference in the rule when cashing in your pension depending on your minimum or maximum limit. In addition, accounts with more than 18,000 pounds may allow you to take your money to up to 25% of the capital value. However, those who have lesser values may not be able to do so. This means that for those who have reached the maximum, there is a possibility that a tax-free lump sum pay out can be taken. This is called a commutation and most owners take advantage of it as insurance. However, the annual pay can be reduced greatly. For small account holders, there is still a chance that you can cash in your annuity with the whole amount after you hit retirement age. This is called the trivial commutation wherein the whole value of a very small total annuity of less than 18,000 pounds can be taken as a single lump sum. But, when a small lump sum is taken, 25% of the pound is paid tax-free for life, but the remaining will be taxed as income pay. Problems with Cashing in you Policy When you are paid your retirement contributions, the tendency is, you get a very high tax deduction initially. However, you can still claim any refund in the excess collected just before the last day that the year ends, often starting in September or October. The pension provider has the responsibility to provide you a P45 form in order to succeed in offsetting this. However, most pension providers are still not aware that they need to take this line leaving pensioner not able to receive the refund because they do not have any supporting document that taxes were deducted in the first place. By following these rules for the different schemes, your refund can actually be another help to set your life after retirement more stable. More than One Plan For a person who has decided to opt for more than one defined retirement plan and the sum of which is less than £18,000, a trivial commutation may still be possible. But, most holders are not aware of the affect of this issue on their assets. It is also possible transfer a pension from one supplier to the next, although this option requires a more in-depth review than we can cover here. Those qualifying need to be under 55 and haev lived in the UK for some time having received their earnings via joining their business plan or its equivalent. The tax per pound deducted from the lump sum payment from the two funds can be higher as compared to when the payment of the other pot is delayed for a year. Since most retirees are not aware of this, they tend to miss out the benefits of delaying the payment for the other pension plan, which is no joke. Some retirees seeking the advice of financial experts usually recommend retirees to cash in pension as soon as possible without even considering the possible costs of taxes. Cashing in your retirement money can be advantageous if you want to use it for any life investments that you need or can be used for earmarking for their own personal matters such as a new car, house extension or a divorce settlement with an ex spouse; however, make sure that you are knowledgeable on the processes needed as well as the consequences of getting your money in a lump sum to benefit most from the value of your deductions. http://www.cashinmypension.com/
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Update on Defined Benefit Death Benefits
 
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Pension death benefits payable from a Defined Benefits scheme for same sex couples and the confirmed reduction in the money purchase annual allowance(MPAA). Through Techlink Professional and Techlink Communicator we enable you to: • Be better informed. • Reduce risk. • Do more business. • Communicate better and smarter. • Save time. To access your free trial; go to www.techlink.co.uk/freetrial and request which trial option you require from the options shown. You will then be given 4 weeks free access to Techlink Professional and/or Techlink Communicator and an example of the Communicator content.
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Planning For Retirement
 
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Please watch: "DRONE MAKES FRIEND WITH GOPRO" https://www.youtube.com/watch?v=Dv1_j6wWmMM -~-~~-~~~-~~-~- Planning For Retirement In this video I talk about planning for retirement. Starting early and thinking about what you will do if you don't think you have will enough with social security or if something happens to the pension or social security that you expected to get at retirement...have a backup plan on how you will financially survive. If you enjoyed the video, please like, share and subscribe for our weekly videos. We appreciate you! Thank you. Avon - Buy or Sell - We are looking for individuals & couples who would like to earn extra income online. Join our team today at https://www.youravon.com/REPSuite/become_a_rep.page?shopURL=melodyschafer For Avon online purchases + FREE Shipping 24/7 Visit http://YourAvon.com/MelodySchafer Buy or Sell Jewelry In Candles https://www.jewelryincandles.com/store/melodyathome My husband & I, along with our 2 children, believe in LIVING FREE FOREVER. We own our own businesses, homeschool our son while our daughter attends college. We keep our lives as simple as possible, so we can feel free to do what matters most to us...spending time with our family, traveling & just enjoying life. We will also be discussing emergency or disaster preparedness which we find to be essential to every household's plan. Subscribe to our YouTube channel for weekly videos. https://goo.gl/7iktFL Follow us on Twitter https://twitter.com/LivingFree207 Follow us on Periscope: @LivingFree207 Follow us on Instagram https://www.instagram.com/livingfree207 Follow us on Facebook https://www.facebook.com/LivingFree207 I'm on FameBit! They connect me to awesome sponsorships, check them out: https://famebit.com/a/LivingFreeForever MelodyAtHome Etsy Store http://MelodyAtHome.us  SELL on Etsy sell on etsy http://etsy.me/1XV1XOA Domain Names, Web Hosting & Mail Solutions Starting @ 0.99 http://www.1and1.com/?kwk=245311311 We accept credit cards using Square - Gets your Square free to start accepting credit cards! https://squareup.com/i/5B82C4B8 Emergency Preparedness 911 Blog http://emergencypreparedness911.blogspot.com/
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