Desire To Retire

Build Wealth Quickly - 3 Simple Asset Allocation, Wealth-Building Strategies

Thu, 03 Feb 2011 12:23:48 PST

Who doesn't dream of marching into their boss' office one day and resigning without caring about the financial repercussions? Well, you can only do so if you have acquired sufficient assets (wealth) through which you can generate a future income to replace your current earned income.

If you are wondering how to build wealth, then this article will give you a good overview of the 3 typical ways you can build wealth quickly. These aren't difficult to understand and others have made their millions by excelling at one of them.

Variable Annuity Basics

Thu, 03 Feb 2011 12:14:28 PST

There are a number of annuity products available. Here's a look at variable annuities.

An annuity is a contract between you and an insurance company. You agree to give the insurance company a certain amount of money and the insurance company agrees to grow it or pay it back to you in increments, or sometimes both.

Mid Cap Stock Investments

Thu, 03 Feb 2011 11:44:14 PST

Mid cap stocks offer a mix of the potential growth of a small cap and some of the stability of a large cap, which could be a welcomed addition to your portfolio.

Fixed Annuity Basics

Thu, 03 Feb 2011 11:17:41 PST

When it comes to fixed annuities there are some things that should be considered. We take a look at the deferred fixed annuity basics.

There are a large number of annuity products available today. One of these popular products is the fixed annuity, which has proven to be a valuable tool in retirement planning. Fixed annuities come in two primary forms; those that have a deferred payout and those that have an immediate payout.

Is an Immediate Annuity Right for You?

Thu, 03 Feb 2011 11:01:13 PST

An income stream that you'll never outlive sounds pretty attractive. We'll see if they're right for you.

Americans are living longer than ever. The idea of living a longer, healthier life appeals to all of us, but for many of us, the trade off is outliving our retirement savings. The crippling costs of health care and the constant rise of inflation continue to compound this financial predicament. A single premium immediate annuity (SPIA) may help with this dilemma, providing you with an income stream that you will never outlive. We'll take a look at the pros and the cons.

Pension Protection Act of 2006 Overview

Wed, 02 Feb 2011 17:05:51 PST

The Pension Protection Act, signed into law in August 2006, contains more than 900 pages of changes and refinements to regulations regarding defined benefit plans, defined contribution plans, individual retirement accounts and other issues related to retirement planning.

A New Mindset For Income Distribution

Wed, 02 Feb 2011 16:28:29 PST

A distribution plan focuses less on accumulating wealth and more on making it last through retirement. After retirement, you typically no longer have money earned from your job or business to pay for your living expenses. You need safety and liquidity to ensure available funds for day-to-day costs of living along with growth to help ensure your funds last your lifetime.

401K Rules

Wed, 02 Feb 2011 16:20:30 PST

There are a number of 401k rules that must be followed when dealing with your 401k plan. 401k rules apply to contribution limits, loans, rollovers, withdrawals, and more. So, it's important that they are handled properly.

Passive investment management Level-Headed or Lazy?

Wed, 02 Feb 2011 15:24:18 PST

Does passive investment management merit its “couch- potato” nickname or is it not getting the respect it deserves?

Passive investment management may be the Rodney Dangerfield of financial strategies – it gets no respect. Active investment strategies have had the spotlight so long, some investors may be surprised to find there is an alternative to stock picking, market timing and other faster-paced, more glamorous methods.

Investing in Closed End Funds

Wed, 02 Feb 2011 12:55:58 PST

There are two common variations of the popular mutual fund; closed end and open end funds. Here's a look at closed end funds.

A closed-end (mutual) fund is an investment vehicle that is easily compared to an open-end mutual fund, a common investment product that most investors are familiar with.

Going Global

Wed, 02 Feb 2011 12:31:11 PST

Emerging global markets like China are providing diversification like never before. China has been in the news quite frequently the last few months. Whether it’s been the stories of large offers to purchase American-owned companies, or their gradual rise in status to economic super-power, the Communist nation is clearly making waves in the world markets.

Choosing the Right Capitalization

Wed, 02 Feb 2011 11:36:32 PST

Small, mid and large cap stocks all have their individual benefits. But which one is right for you? One size usually doesn’t “fit-all” and especially not when it comes to the stock market. Choosing the right sized company or fund can be a tricky prospect. “How are the different levels defined?” and “What are the pros and cons of each type?” are two major questions many people have when dealing with market capitalization and deciding which size is right, it can be a tough choice, so here’s an overview of all three major categories of market capitalization.