The Ongoing Debate – “To ROTH or Not To Roth”
For many workers (especially those that are self-employed) that do not have access to a 401(k) plan at their employer – IRAs (Individual Retirement Arrangements) are still a viable way to save for retirement. However – unlike the ease of payroll deduction at an employer that offers a retirement plan – those that are meet their own payroll must show more discipline in getting the funds from their “business checking account” to their own IRAs. (I am very familiar with this challenge.)Lump Sum Pension Options Are Growing in Popularity
Over the almost 30 years I have worked in the financial services industry – I have evaluated a bucket full of lump sum pension options for clients and contacts. The most valuable caution that I share with folks is their need to answer a very personal question – how disciplined they are. When someone takes a lump sum from their previous employer’s pension plan – they now must exert a level of discipline that they may not be used to in their lives. When retirement funds sit in an employer’s account – they are often difficult (if not impossible) to get ones’ hands on – there is no “ATM Card” that come with employer plans.Finding Opportunities in Emerging Markets
Among the biggest challenges facing investors today is generating growth while managing market volatility and low interest rates. Achieving these goals can be daunting, given the issues confronting economies around the globe in recent years. Investors who are looking for diversification and growth in this environment may want to consider adding emerging markets to their investment mix.Will the Election Impact Markets and Investments?
What drives the stock market? Quite often, it is fundamental factors such as the strength of the economy and its impact on corporate profits. At other times it is affected, at least in the short term, by external factors that can upend investor expectations and drive markets in a positive or negative direction. One of the most obvious external factors that might come into play for markets this year is the upcoming presidential election.Pension Funds Being Told To Invest In Climate Friendly Stocks?
Why does our government work so hard to undermine free markets to propel a global leftist socialist agenda? We all know that the United Nations – International Panel on Climate Change has factions within it that actually believe that capitalism is to blame for global warming (a theory that mankind’s CO2 emissions are causing catastrophic warming of our planet) because capitalism creates abundance and thus uses up too many resources and is responsible for our Earth’s current warming trend that has been going on for 10,000 years. Amazing the nonsense this group comes up with.