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Retirement Investing


401k Limits
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Also known as defined contribution plan, 401(k) is a type of savings account that derived its name from the subsection 401(k) of the Internal Revenue Code. With this, employers can help their employees save money for retirement and it is also one way to keep valued and tenured workers of their company. Workers have the option to deposit part of their salary into a 401(k) plan. It is to be administered only by the employers and the employers also have the right to choose on various investment options when it comes to participant-directed plans.

Borrowing from IRA
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Borrowing from IRA or using your IRA as collateral is normally not permitted. Prohibited transactions are subject to taxes and penalties imposed by the IRA account that you have. But there is a certain rule that allows you to borrow money from your IRA account. Through this you will find a way around any penalties or unnecessary fees but know that it should be strictly followed. Otherwise the tax advantages that you enjoy with your account will possibly vanish. There will be two rules, 60-day rule and 1-year rule.

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Roth IRA is an individual retirement account that offers tax-free growth and normally tax-free withdrawals. I said normally because Roth has specific rules, not only in contributions, but also with distributions. The Internal Revenue Service predetermined two kinds of distributions: qualified and unqualified (subject to Roth IRA penalties). Early withdrawals can be made because the IRS does prevent such. They know life happens and it does not always go our way. Financial constraints due to major health issues or personal issues may arise any moment making us in need for a source of ready cash.

Real Estate IRA
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Due to the development in ownership of private properties, real estate has become a major business. Investing in real estate is a great way to gain a much wanted income. In fact, many venture into real estate business in the hope of getting rich. However, this requires large funding because you will be needing appraisers, brokers, development of land, management of property, and relocation services.

Gold IRA
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An Individual Retirement Account is a retirement plan, or in proper explanation, an investment accumulation for retirement which gives account holders tax incentives. Amongst the many types of IRA account, Traditional IRA and Roth IRA are the most popularly used.

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When buying annuities, several things must be considered including what type of annuity would be best for you. There are two main types of annuities: variable annuities and fixed annuities. A fixed annuity would give you a stable income when retirement rolls around in exchange for an upfront payment of principal. Fixed annuities are kind of like CDs (Certificates of Deposit) in this manner. Variable annuities, on the other hand, are more like mutual funds in that the principal you put up will be invested in sub accounts whose rate of interest will depend on the market like a normal stock investment would.

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When annuities first became available, a single premium immediate annuity was more popular than other kinds of annuities. Immediate annuity rates were the primary concern rather than rates for the now more preferred, yet more complicated, deferred annuity. An immediate annuity is simpler, needing only one lump sum payment to qualify for periodic income payments upon maturity. Annuity rates remain constant whether the market rises or falls so the payout will be regular and won’t run out. Payout will be received until death of the annuitant of may even continue if the spouse still lives.

Charitable Gift Annuity
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A charitable gift annuity is a transaction wherein an individual ‘donates’ cash, marketable securities, and other sorts of assets to a charitable organization in exchange for fixed annuity payments to one or two annuitants. These annuitants may be anyone but is often the ‘donor’ themselves. The transferred cash will be readily accessible to the charity organization while the annuitant will have to wait for the payments. The payments will last a lifetime in most cases.

Annuities Pros and Cons
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So you’ve got a several other retirement funds already waiting in the wings like and IRA, a 401K, or maybe even both. However, you want to do something else with your money and you’ve heard of annuities. When deciding whether to enter a particular venture or not, annuities are not different from how you would normally decide on a course of action.

Annuities Explained
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Have you ever had annuities explained to you? Learning about annuities can be very confusing and hard to understand.  Let’s make it super simply to understand by starting off with just the basics.

Growth Funds
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Retirement savings accounts are nest eggs that we build up so that when we the time comes for us to quit the world of employment, we can all spend the rest of our lives living comfortably and with little worries. Before we reach that time, however, we try to get our earnings and savings to grow as big as they can. To that end, retirement plans always come with investment options. Individual Retirement Accounts and 401K plans exist to provide us with a way to save money and invest it to make it grow at the same time. Some of the best investments come in stock funds or the more risky growth funds.

401k Advice
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A 401K may be one of the best tools in securing your desired lifestyle upon retirement. As far as retirement savings go, 401K plans offer distinct advantages that others may not have. For one, a 401K is a tax-deferred account. This means that any distributions or withdrawals made upon reaching the qualified age is tax-free. Another advantage of 401K accounts is that employers will often match your contributions from up 0% to up to 100%. This is a great plan to make sure that retirement will be an enjoyable part of your life.


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It’s Not Too Late! - You can still open your IRA today and receive taxable deductions for 2015. Learn How