- Mutual Funds
- College 529 Savings
- Life Insurance
- IRA / 401(k) Rollovers
- Group Pensions
- Fixed Annuity
- Variable Annuity
Definitions
B Bond
A debt investment, which involves an investor loaning money
to a company or government for a defined period of time where
the issuer promises to pay interest and repay the principal at
maturity.
C CD (Certificate of Deposit)
A savings certificate that has a maturity date and a fixed interest rate. It can be issued in any denomination.
M Money Market Fund
A mutual fund that specializes in investing in short-term securities
and tries to maintain a constant net-asset value of $1.
M Mutual Fund
Pools of money managed by an investment company that offers a variety of goals depending on the investment objectives of the fund.
S Stock
A type of security, representing ownership in a corporation that can rise or fall in value
Mutual funds
What is a mutual fund?
A mutual fund is a professionally-managed investment
that can offer diversity, liquidity and convenience depending
on the investment strategy of the fund. Each mutual fund is made
up of a variety of securities depending on the goals of the fund
set in the prospectus. The prospectus that contains complete details
on investment objectives, risks, fees, charges and expenses as
well as other information about the investment company, which
should be carefully considered before investing. Because a mutual
fund pools the money of many individuals, it has the buying power
to invest in hundreds of different securities at once.
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College 529 Savings Plan
A 529 Savings Plan is a tax-deferred, college savings
plan. It is designed specifically to create
savings for higher education. Withdrawals are federally tax free
providing they are used at any eligible college, university or
graduate school in the
U.S. for qualified education expenses. For non-qualified withdrawals,
the earnings portion of the "non-qualified" withdrawal
will be subject to income tax and an additional 10% penalty tax.
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Life Insurance
Term Life Insurance
Whole Life Insurance
Variable Life Insurance
Universal Life Insurance
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IRA's
Why would I want it?
Because you want to live comfortably in retirement and Social Security will probably not provide you with enough income to do so. An IRA with its potential for long term investment growth -- may provide an easier way to save for retirement.