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SEC looks at how mutual funds value their startup investments

SEC looks at how mutual funds value their startup investments

How mutual funds assess the value of their venture-backed company stakes is reportedly being scrutinized by federal regulators after two years of record highs in this type of investing. The Wall Street Journal cited unnamed sources in a story on Wednesday … Continue reading at

Mutual Funds Mark Down Unicorns. So What?

There's been quite a storm set off with recent media reports covering the markdowns that Fidelity Investments has undertaken for private companies in its mutual funds. A couple of the notable valuation stake write-offs in Fidelity's portfolio include … Continue reading at

3 Top-Rated Prudential Investments Mutual Funds to Buy

With around $ 74 billion of assets under management (as of Dec 2014), Prudential Investments – a segment of Prudential Financial, Inc – offers a wide range of funds including both equity and fixed-income, and open- and closed-end funds. The company … Continue reading at

Mutual Funds Trading

A Top Mutual Fund’s Moves Amid Market Volatility

Like championship boxers, mutual fund managers who outperform for extended periods know how to roll with the market’s punches and how to attack an opening. The portfolio managers of the $ 17.7 billion MainStay Large Cap Growth A Fund have demonstrated both … Continue reading at

An Overview of Consumer Discretionary Mutual Funds

A mutual fund pools money from investors, which is then invested in portfolios of assets that expose investors to professionally managed funds. It is a widely accepted form of investment, particularly in the United States. According to a 2014 survey by the … Continue reading at

Mutual Fund Trading Abuses: SEC Consistently Applied Procedures in Setting Penalties, But Could Strengthen Certain Internal Controls: Gao-05-385
The Securities and Exchange Commission (SEC) and other regulators have recently identified two significant types of trading abuses…

Mutual Fund Trading Abuses
The BiblioGov Project is an effort to expand awareness of the public documents and records of the U.S. Government via print public…

Mutual Fund Investing on the Internet
A guide for investors who want to take advantage of the many mutual fund investment resources on the Net. This work evaluates vari…

Mutual Funds Trading

Taxation on mutual funds and tax offset provisions

Income tax has its own set of complex rules and is vast and varied. One such area of complex rules is that of capital gains and related tax rules. Capital gain is the gain one makes from sale of a financial or non financial asset. Financial asset can mean … Continue reading at

Regulators Look Into Mutual Funds' Procedures for Valuing Startups

Federal securities regulators are looking more closely at whether U.S. mutual funds have proper procedures in place to accurately price shares of private technology companies amid signs the tech boom is wavering, according to people familiar with the matter. Continue reading at

VCs Aren't the Only Ones Watching Those Mutual Fund Markdowns

VCs have been watching with great interest as mutual funds mark down the value of some of their privately held, illiquid investments, including shares of Dropbox, Zenefits, and Snapchat. Turns out the SEC is watching, too. A new Wall Street Journal report … Continue reading at

Looking to Buy Mutual Funds Online? Here Is How

There are three basic ways to purchase mutual funds online, and a myriad of different websites facilitate these transactions. If you have a self-directed retirement account, such as an IRA or 401(k), the managing financial institution likely allows for … Continue reading at

Religare exits mutual fund biz, sells 51% to partner Invesco

… exact reasons for the sale of mutual fund business but sources said that the capital is being unlocked through mutual fund. The funds through stake sale will be used for health insurance and lending platform. The shares of Religare reacted negatively … Continue reading at

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Special guest, Eric Palmer, who previews the Income For Life Sales Solution, the most comprehensive turnkey marketing system for supplemental income planning. Eric also announces the IUL University

Qualified Plans:
Startup Costs
Plan Maintenance Fees
Mutual Fund Fees
Statement of Information Fees
Registered Investment Advisor Fees
Contributions Tax Deduction
Account Accumulation Tax Deferred
Distributions are Taxed as Ordinary Income
Included in the Provisional Income Test (b)
Investment Risk
Loans from Account Prior to 59 1/2 (d)

Indexed Universal Life:
Premium Load
Policy Fee
Administration fee
Cost of Insurance
Policy Loan Cost
Contributions Not Tax Deduction
Account Accumulation Tax Deferred
Distributions Tax Free (a)
Not Included in the Provisional Income Test (c)
No Investment Risk
Loans from Account prior to 59 1/2 (e)

(a) Tax free distributions from a Non Modified Endowment Contract using a Indexed Universal life policy is subject to the policy maturity date and the policy remaining in force for the life of the insured. Tax free income generated from these contracts can be comprised of withdrawals to basis and policy loans of gain. (b) Distributions from a quailed plan are includable in the provisional income test to determine if Social Security Benefits are subject to ordinary income tax. (c) Withdrawals to Basis and/or Policy loans are not includable in the provisional income test as long as the non-modified endowment contract is kept in force for the life of the insured. (d) Each qualified plan has account access procedures that govern accessibility to accounts values via loans and charge interest on those loans. Job loss or transfer may force the account holder to pay back the loans and interest in 60 days. Defaults are characterized as an ordinary income taxable event in the year of default and can be subject to a 10% penalty if the default occurs before 59 1/2 . (e) Policy loans are permitted and have associated interest charges assigned to the policy loan of a non-modified endowment contract, proviso that the contract is kept in force for the life of the insured.


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Mutual Funds Trading

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    • dreamon
    • November 19, 2015

    Many sources, videos and articles use the "farmer" story. They compare paying taxes on the "seed" money vs the "harvest" money. They say, if you funded the cash account with the aftertax money, you'd not have to pay taxes at the time of distribution.
    If that was the case, that would be a fantastic product, indeed.
    However, when I inquired with two major insurance companies, I was told that only the PREMIUMS paid in with the after tax money will be taxfree at the distribution time, NOT the entire cash account value. In other words, if by the time you withdraw the money, you've paid $60.000 in premiums, but the total accumulated cash value is $800.000 – only the premium amount will be tax free, not the entire $800.000.

    I was told that only if you take out LOANS, instead of distributions – only then you wouldn't be paying the taxes. However, every video and presentation claims the DISTRIBUTIONS are tax free.

    Then, my question is what is this whole seed-harvest story about? What's the difference between before and after tax money, if you'll get hit with taxes on the gain at the distribution time anyway? Yes, the tax rates in 30 years will be higher. Yet, this is an entirely different topic from the one I brought up.

    Would truly appreciate your professional explanation, because this is one of the critical aspects of IUL.

    Thanks in advance.

    View Comment
    • Ricky Rusgal
    • November 19, 2015

    My name is Ricky Rusgal, i love this product. Will certainly help a lot of families. I am from Carson CA. I can service your family in explaining this product to you. Call me 310 994 6792. Wanted Business Partners in Carson , Long Beach, Torrance, I speak English, Tagalog, Ilocano…I do financial literacy and build a business in a Trillion Dollar Business Industry … I am with World System Builder

    View Comment
    • No Exam Life Insurance
    • November 19, 2015

    Good explanation of how everything blends together.

    View Comment
    • BrokersAlliance
    • November 19, 2015

    A 401k is a qualified plan that can have differing investments, i.e. mutual funds, ETFs, annuities, etc.The deductability is a key feature as is tax deferral during accumulation. A 401k is taxable during distributions. Indexed Life Insurance or Annuities are not deductible. In comparison between differing plans and products, an net after tax and all fees evaluation is necessary to determine the best product and/or plan approach.

    View Comment
    • Dan Hopwood
    • November 19, 2015

    Scott you don't have a clue. I recommend you read the Retirement Miracle written by Patrick Kelly.

    View Comment
    • Scott Izu
    • November 19, 2015

    A 401k is an investment vehicle and an Indexed Universal Life Insurance policy is an insurance vehicle!!! Check out FinLitDotBiz.

    A 401k should be compared to an Indexed Annuity. Those are both investments.
    Term Life Insurance should be compared to an Indexed Universal Life Insurance. Those are both life insurance.
    A 401k+Term Insurance can also be compared to an Indexed Universal Life Insurance policy for people who think these are insurance + investments.

    h t t p :// finlit . biz /?p=1380

    View Comment
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