Archive for April 2018
Risk-adjusted returns
When reviewing your portfolio, it’s important to understand not only historical returns but how much risk was required to get those returns. For instance a 6 percent unsecured loan to…
Read MoreWhen is the best time to start Social Security income?
Everyone who reaches retirement age needs to determine how to maximize their Social Security benefits. For those born between 1943 and 1954, full retirement age is 66. Anyone is free…
Read MoreUncapped index annuities as an alternative to bonds
I recently attended a lecture with Roger Ibbotson, an emeritus finance professor from Yale business school, and had the opportunity to speak with him afterward. Ibbotson recently completed extensive historical…
Read MoreHow diversified is the S&P 500 Index?
The S&P 500 consists of 500 of the country’s largest publicly traded companies. These companies include the following sectors: energy, technology, consumer staples, consumer discretionary, financials, health care, industrial, materials,…
Read MoreThink twice before naming your trust as the owner or beneficiary of your annuity
One of the major benefits of a deferred annuity is the ability to delay paying taxes on all of the gains. By kicking the tax-liability can down the road, you…
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