Beginners

September 11, 2017 Dividends 16 Comments

Our Guide to Dividend Investing for Beginners

Our Guide to Dividend Investing for Beginners Dividend investing can be an excellent way to generate income, and grow your investment portfolio over long periods of time. By focusing on solid companies that increase their dividends regularly, a small sum of money could turn into a large nest egg … Continue reading at msn.com How […]

A deferred annuity pays out to investors interested in getting an income from an annuity, but who want the payments to begin some time in the future, usually at retirement. Or, they may want the insurance company to invest the money for a few years to increase the payments. A tax deferred annuity allows income tax to be deferred until the money is withdrawn, and you can contribute as much money yearly as you like.

You can also refund your annuity, meaning you're gaining income for life. However, when you die, the portion if the income payments that you have not collected will be the only amount that your beneficiary receives.

Ratings are a very important element in trying to distinguish between good and bad funds. Good research, however, goes far beyond just looking for five stars or an A+. When evaluating funds, look at the quantitative, measurable characteristics of a fund: returns up against the benchmark, costs, risks, taxes and manager tenure. Use rating systems as part of your research, but remember: just because the analysts give them top marks, it does not mean they will be the best investment in the future, and doesn't it mean that they'll be the best investment for you in particular. Take the time to understand how the ratings were achieved. This will be the first step to educating yourself about funds.