Your Own Criteria for an Ideal Investment
Before you make any decision, consider your criteria for an ideal investment or savings that would be best for you. Let us help you choose your path in your savings and investments. Contact us today to get started.
What would you want your money to do for you?How will what you do with money enhance the outcomes you need in life?
- Do you Want your Money to Grow Tax-Deferred
- Will you be able to use it Without Paying Taxes
- Will it be Taxed when you Pass Away
- Will it Create a Tax on your Social Security
- You want Competitive Returns Right
- Are High to Very High Contributions Allowed
- Are There Additional Benefits (i.e. Disability Income)
- Can It Be Used as Long-Term Care Insurance
- Can It Be Used as Collateral
- Is There a Stop Loss/Safe Harbor in Case of a Market Collapse
- Are there Guaranteed Loan Options for Anything
- Can You Borrow Against the Account at Net 0%
- Can You Make Unstructured Loan Payments
- Do You have Liquidity, Use, and Control of Funds All the Time
- Will It Create Additional Funding of Future Needs at Death
- Does It Have Lawsuit/Credit Protection
- Does It Prevent Your Taxes From Compounding
- Will It Increase Health Premiums/Lower Coverage in Obamacare
- Does It Postpone The Taxes and the Tax Rate on Entire Account
Note: All reference to taxes are assumed to be income taxes. #16 Lawsuit protection is a law on Guam. IRA: #7 and #9 would apply if the account was inside an annuity. Roth: #7 and #9 could have other benefits/loss protection if it was inside an annuity. 401(k): #11 personal accounts may be used to borrow against; #17 taxes do not compound when in a Roth 401(k). Savings: #5 This asset class is not considered competitive to other markets. PLI: The more funding in this asset, the greater the benefits; #12 - Net 0% applies to accounts over 10 years; before 10 years loans are a net 1% interest. Investment Real Estate: #1 Net income is taxed; #8 Equity may be available to borrow against. Stocks: #1 Highest possible appreciation, highest risk; dividends and capital gains are currently taxed; appreciation tax is deferred. Mutual Funds: #1 Appreciation is deferred; dividends and capital gains are taxed; #8 with some lenders. Annuities: #2 Can use an exclusion ratio to reduce tax impact in some cases; #8 if not qualified money.