Author Archive
What to Consider When Investing in Equity Indexed Annuities I
By CarinaSmith at 6 December, 2010, 12:00 am
Equity-indexed annuities can give you guaranteed annualized profits, making these good options for seniors who want to decrease the overall risk of their investment portfolios. Before investing in an EIA, you’ll need to determine the minimum returns, as well as the exact features guaranteed. Typically, EIAs with the highest profit potential may not have guaranteed minimum gains, but only guarantee the safety of the initial investment.
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Expenses and Changes in Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
Stock-based annuities (or equity-indexed annuities) are great for the senior investor who wants less risk for his or her investment portfolio as these come with guaranteed returns, which are established by factors such as rates of participation, return limits, and return formulas. Typically, EIAs with lower participation rates and higher return ceilings tend to be more profitable for the long term, but you’ll still need to check out other factors such as EIA expenses and changing provisions.
Read More >>Equity Indexed Investments – Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
More and more investors are considering investing in equity-indexed investments such as stock-based annuities. Typically, interest in equity-indexed annuities and similar tools shoot up when market conditions are down, with expert findings showing that significant capital is being placed into annuities such as these. Like many insurance products, the viability of the stock-based annuity as a retirement investment depends on why inquiries are high – are investors really buying into these annuities?
Read More >>Start a Business with Low Capital II
By CarinaSmith at 4 December, 2010, 12:00 am
If you’re like many of today’s seniors who are worried about retirement security and due to inadequate funds, you can add to your nest egg by starting your own business with relatively low capital. You can stretch your budget to start up operate your own company even with limited resources, as long as you think out of the box. Aside from trading services or goods and outsourcing for employees, you can hire interns and take advantage of peer-to-peer financing.
Read More >>The Annual Reset Method for Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
Investing in stock-based annuities (or equity-indexed annuities) is becoming a popular investment options for many seniors today. The EIA has become an integral part of many elderly investors’ retirement portfolios because of the relatively low risk associated with these tools. If you’re in the market for an EIA, you’ll need to familiarize yourself with terms and concepts like these:
Read More >>Is a Cash Balance Plan Right for Your Business?
By CarinaSmith at 4 December, 2010, 12:00 am
Small business owners may want to sponsor cash balance plans or other retirement savings plans for their employees to help these workers accumulate enough money for retirement. However, your choice of savings plan depends on what you’re willing to contribute and how much you earn. Here are some considerations you need to take into account before opting for cash balance or hybrid plans for your small business:
Read More >>Tradeoffs in Stock Based Annuities
By CarinaSmith at 4 December, 2010, 12:00 am
If you’re thinking about buying into stock-based annuities or equity-indexed annuities, you’ll need to know a number of things about the particular EIAs you want to purchase. These considerations include the method used for calculating investor returns, participation rate, return limits, and other aspects. Once you’ve shopped around for these types of annuities and narrowed down your choices, you can pick the one that’s most suitable to your financial goals by comparing trade-offs.
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