Conservative Investments to Help You Retire

Conservative Investments to Help You Retire
News from Fox Business:

Dear Retirement Adviser, 

I would like to begin investing money to use in retirement. I want to be conservative with these investments, and I don’t know where to begin. Any advice on retirement investing would be appreciated.

Thank you,

-Yvette Yields

Dear Yvette,

Your choice of investments will depend on your investment goals, your investment horizon, your attitude toward risk and your need for liquidity.

If you’re saving for retirement, you should consider a tax-advantaged retirement account such as a Roth or traditional individual retirement account, your company’s 401(k), and 403(b) plans. Also, find out if your employer offers matching contributions when you participate in its retirement plan. If so, that’s where your investment should start.

Conservative investors are usually worried about putting their principal at risk — a wise concern if you’re nearing retirement. If that’s the case for you, you may want to try some low-risk investments. For example, there are insured deposits with a bank or credit union. You could try savings bonds or U.S. government marketable securities. While these marketable securities will fluctuate in value, you’re guaranteed to receive the face value of the security at maturity.

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Seven ways to earn tax-free income
News from Times of India:

Summer is a good two months away, but some of us are already sweating. And for good reason. North Block has hinted at a higher tax for the rich and, perhaps, even an inheritance tax. Though the latter is not likely soon, the former is a distinct possibility.

What will you do if the finance minister decides to play Robin Hood with Budget 2013? Evading tax is illegal, but avoiding it is not. The income tax laws provide enough opportunities to the savvy investor to bring down his tax liability. However, this requires intricate knowledge of the tax rules.

“The options to earn tax-free income have either narrowed down considerably or disappeared in the past few years,” says Neeru Ahuja, partner, Deloitte Haskins & Sells.

Even so, with the right professional guidance, you can legitimately avoid paying tax on the income earned on your investments.

1. Use indexation to nullify tax


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