investing

22
Sep

What’s A Qualified Charitable Deduction?

Posted by | · · · | financial planning · investing

A Qualified Charitable Deduction is a great way to turn your excess RMD (required minimum distribution) into a tax-saving opportunity because it counts towards your required minimum, but doesn’t get taxed. In other words, if you have a traditional IRA, are over age 70 ½, and already plan on making a certain amount of charitable […]

Read More
20
Sep

What’s A Spousal IRA?

Posted by | · · | financial planning · investing

You’re probably heard of an IRA (individual retirement account), but may not be as familiar with the concept of a spousal IRA. In this article we will briefly explain what a Spousal IRA is and how it works.   Spousal IRAs are actually just Traditional or Roth IRA’s that are funded by a person’s spouse […]

Read More
19
Sep

Do You Have The Courage To Rebalance Your Portfolio?

Posted by | · · · · | investing

Rebalancing is the act of re-allocating your investments to match your target asset allocation. For example, a new retiree may have an asset allocation of 50% stocks 50% bonds meanwhile a young investor may have a more aggressive asset allocation of 90% stocks 10% bonds. However, over time, depending on how your investments perform, this […]

Read More
19
Sep

What’s Bitcoin? Should You Buy Some?

Posted by | · · · · | investing

Almost everyone has heard of the magical currency known as bitcoin, but very few seem to understand where it came from or the purpose it serves within the financial markets.   You may have heard that last week it was trading at well over $4,000, plummeted to $3,000, and then returned back to $4,000 in […]

Read More
18
Sep

What is Smart Beta?

Posted by | · · · · | investing

Smart Beta refers to the quasi-passive investment funds that rely on style tilts to produce (or attempt to produce) additional returns over the more traditional market capitalization weighted indexes. What?   In other words, rather than putting all your money in the S&P 500, these funds will use a different screening process to vary the […]

Read More
17
Sep

What is Sequence of Returns Risk?

Posted by | · | financial planning · investing

Sequence of Returns Risk refers to the concept where negative investment returns in the early years of retirement could derail a person’s entire retirement plan. The reason being that the retiree would need to withdraw from his or her retirement accounts when the overall portfolio is at a temporarily decreased value. In other words, more […]

Read More
15
Sep

What’s a Yield Curve?

Posted by | · · · · | investing

A yield curve is a line that plots the current interest rates of bonds with different maturities (and usually of equal credit quality). The point of a yield curve is to see the relationship between short term, intermediate, and long term bonds. This visual can usually be categorized as three different types of yield curves: […]

Read More
13
Sep

How Can I Create a Million Dollar Nest Egg?

Posted by | · · · | financial planning · investing

Wouldn’t it be nice to have $1 million sitting in your bank account? Would you believe me if I told you that you could grow $33,000 to $1 million? If you’re thinking there must be some sort of catch, well there is – it’s called time. In other words, the earlier you start investing then […]

Read More
10
Sep

Should I purchase an Immediate Annuity?

Posted by | · · · | financial planning · investing

What is an Immediate Annuity? A single premium immediate annuity (SPIA) is a contract you enter into with an insurance company that requires you to pay the insurance company an upfront lump sum or one-time payment. In return, the insurance company will provide you with consistent payments for a certain period of time – usually […]

Read More
Call Perennial Trust