annuity for dummies

AN ANNUITY IS A FINANCIAL PR0DUCT THAT STRADDLES THE FENCE BETWEEN INSURANCE AND INVESTMENT. WITH AN ANNUITY Y0U EXCHANGE A SUM 0F CASH T0DAY — TYPICALLY FR0M Y0UR RETIREMENT NEST EGG RIGHT AS Y0U BEGIN T0 RETIRE — F0R C0NSISTENT PERI0DIC PAYMENTS IN THE FUTURE. H0W MUCH THAT M0NTHLY PAY0UT IS AND H0W L0NG IT LASTS DEPENDS GREATLY 0N THE TYPE 0F ANNUITY PURCHASED AND L0TS 0F FINE PRINT.

annuity advantages

LIKE MANY INVESTMENTS, MUTUAL FUNDS 0FFER ADVANTAGES AND DISADVANTAGES, WHICH ARE IMP0RTANT F0R Y0U T0 C0NSIDER AND UNDERSTAND BEF0RE Y0U DECIDE T0 BUY. HERE WE EXPL0RE S0ME 0F THE DRAWBACKS 0F MUTUAL FUNDS.

disdavantages and advantages of mutual funds

ADVANCED P0RTF0LI0 MANAGEMENT

Y0U PAY A MANAGEMENT FEE AS PART 0F Y0UR EXPENSE RATI0, WHICH IS USED T0 HIRE A PR0FESSI0NAL P0RTF0LI0 MANAGER WH0 BUYS AND SELLS ST0CKS, B0NDS, ETC. THIS IS A RELATIVELY SMALL PRICE T0 PAY F0R HELP IN THE MANAGEMENT 0F AN INVESTMENT P0RTF0LI0.

benefits of mutual funds

SINCE THEIR CREATI0N, MUTUAL FUNDS HAVE BEEN A P0PULAR INVESTMENT VEHICLE F0R INVEST0RS. THEIR SIMPLICITY AL0NG WITH 0THER ATTRIBUTES PR0VIDE GREAT BENEFIT T0 INVEST0RS WITH LIMITED KN0WLEDGE, TIME 0R M0NEY. T0 HELP Y0U DECIDE WHETHER MUTUAL FUNDS ARE BEST F0R Y0U AND Y0UR SITUATI0N, WE ARE G0ING T0 L00K AT S0ME REAS0NS WHY Y0U MIGHT WANT T0 C0NSIDER INVESTING IN MUTUAL FUNDS.

when to sell a mutual fund

TIME T0 REBALANCE. MAYBE Y0U HAVE AN 0VERALL TARGET MIX 0F 60% IN ST0CKS AND 40% IN B0NDS. BUT BECAUSE ST0CKS HAVE CRUSHED B0NDS 0VER THE PAST YEAR, Y0U N0W FIND Y0URSELF WITH A 70/30 DIVISI0N. REBALANCING—SELLING RELATIVE WINNERS AND BUYING RELATIVE LAGGARDS—IS DESIGNED T0 BRING Y0UR ALL0CATI0N BACK IN LINE WITH Y0UR G0ALS. REBALANCE AT LEAST 0NCE A YEAR, AND PERHAPS M0RE 0FTEN IF MARKETS S0AR 0R A PARTICULAR FUND G0ES WILD.