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Added for You - Annuities - Equity-Indexed Annuities - There Are Better Growth Alternatives
Difficult Relationships at Work - How to Influence the UncooperativeWe rely on and spend more time with our colleagues than with most other people in our lives: yet we frequently experience conflict at work. This is a problem that is beginning to be recognised, but it is still not being dealt with either effectively or sufficiently. Conflict is such a broad term for what can be experienced, ranging from office gossip to outright bullying. In nearly every single office
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adv
If you’re targeting exact strings in your SEO copy, you’ll find it difficult to effectively target more than 2 keyword phrases per page. This is particularly true if you’re targeting very specific keyword phrases.For example, let’s say you want your tennis clothing page to rank well when a customer searches for the following phrases (i.e. they type EXACTLY what you see below). “blue tennis shoes in California”“green tennis skirts on the Wes
This article is one in a series of articles on EIAs.
The opportunity for growth in an EIA is based on the performance of an index. When someone invests in an EIA, they typically have several different indexes they can choose from. An index is simply a means of tracking a group of investments. Typically, EIAs will offer indexes that track the S&P 500, the NASDAQ or the bond market.
EIAs restrict your growth opportunity. Most place a limit on how much you can earn in any one year. If the ‘cap’ is at 10% and the underlying index goes up 25% or 50% like it did in 2003 you will only earn the cap of 10%. And even if the underlying index goes up 10%, that doesn’t mean you will earn 10% because many annuities only allow you to participate in a portion of the return of the index or they have internal charges that would reduce your return by 1-2%.
One great alternative for the growth portion of your money would be a No-Load Index Fund based on the S&P 500 index. These are available from many mutual fund companies including Vanguard. Since they are not actively managed they have low internal fees. Since they are No-Load, there aren’t any commissions to pay so you don’t have any automatic surrender penalties. This gives you the flexibility to take your money out or rearrange it whenever you want to or need to. And you don’t have to share a portion of your return with an insurance company.
Exchange Traded Funds (ETFs) are another alternative. They work just like the Index Fund described above but typically have even lower internal expenses. ETFs can be bought and sold any time throughout the day whereas mutual funds can only be bought or sold at the end of the day. When the market is undergoing a significant correction, the ability to get in or out during the day can be helpful. There are transactions fees associated with ETFs so they should only be used in amounts greater than $25,000.
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adv
I was first introduced to online marketing in 2000 by a relative of mine who was earning about $4000.00 per month as an affiliate marketer and I have been hooked on it ever since.I first started promoting free satellite systems simply because it happened to be one of the first programs I came across during my search for profitable affiliate programs.Without much effort at all, I was collecting monthly checks that would rival most peoples full time pay checks.
EIAs restrict your growth opportunity. Most place a limit on how much you can earn in any one year. If the ‘cap’ is at 10% and the underlying index goes up 25% or 50% like it did in 2003 you will only earn the cap of 10%. And even if the underlying index goes up 10%, that doesn’t mean you will earn 10% because many annuities only allow you to participate in a portion of the return of the index or they have internal charges that would reduce your return by 1-2%.
One great alternative for the growth portion of your money would be a No-Load Index Fund based on the S&P 500 index. These are available from many mutual fund companies including Vanguard. Since they are not actively managed they have low internal fees. Since they are No-Load, there aren’t any commissions to pay so you don’t have any automatic surrender penalties. This gives you the flexibility to take your money out or rearrange it whenever you want to or need to. And you don’t have to share a portion of your return with an insurance company.
Exchange Traded Funds (ETFs) are another alternative. They work just like the Index Fund described above but typically have even lower internal expenses. ETFs can be bought and sold any time throughout the day whereas mutual funds can only be bought or sold at the end of the day. When the market is undergoing a significant correction, the ability to get in or out during the day can be helpful. There are transactions fees associated with ETFs so they should only be used in amounts greater than $25,000.
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adv
A new client recently asked a question about the best length for a marketing email.I think many of us assume that emails should be brief. It’s probably a carry-over from the early days online when connection speeds were so slow. Longer messages took forever to retrieve so we avoided them.Yet, there’s no rule that says an email MUST be brief. So far as I know, there hasn’t been much research done to validate an ideal length one way or the other.I did a litt
One great alternative for the growth portion of your money would be a No-Load Index Fund based on the S&P 500 index. These are available from many mutual fund companies including Vanguard. Since they are not actively managed they have low internal fees. Since they are No-Load, there aren’t any commissions to pay so you don’t have any automatic surrender penalties. This gives you the flexibility to take your money out or rearrange it whenever you want to or need to. And you don’t have to share a portion of your return with an insurance company.
Exchange Traded Funds (ETFs) are another alternative. They work just like the Index Fund described above but typically have even lower internal expenses. ETFs can be bought and sold any time throughout the day whereas mutual funds can only be bought or sold at the end of the day. When the market is undergoing a significant correction, the ability to get in or out during the day can be helpful. There are transactions fees associated with ETFs so they should only be used in amounts greater than $25,000.
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adv
If you plan on using PR and publicity to increase your sales and expand your business, you will probably use press releases to get your story out to the media. However, many press releases that are released are never covered because the writer forgot one major point; objectivity.Journalists are trained to be objective and it is their job to exercise it at all times. When they find a news release that is not objective, they cannot use it without radically changing the en
Exchange Traded Funds (ETFs) are another alternative. They work just like the Index Fund described above but typically have even lower internal expenses. ETFs can be bought and sold any time throughout the day whereas mutual funds can only be bought or sold at the end of the day. When the market is undergoing a significant correction, the ability to get in or out during the day can be helpful. There are transactions fees associated with ETFs so they should only be used in amounts greater than $25,000.
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The adv
Standardize your processes! You can save time, money and prevent errors. Things you do over and over should be done the same way every time, if indeed you do the task the best way. They say variety is the spice of life, but for healthcare processes it certainly isn’t most of the time. Consider this, if you would. Would you buy your favorite brand of soda if sometimes your 12 ounce can were 3/4 of the way full and sometimes almost overflowing. Certainly not. You
Actively managed mutual funds that invest in stocks are another great way to invest. For instance, I use several No-Load mutual funds for my clients that have consistently out-performed the S&P 500. The advantage of an actively managed mutual fund over an unmanaged index fund is that the money manager isn’t required to own every stock in the underlying index. They can pick and choose the ones that have the best opportunity. They can sell stocks that become more risky (think Enron and Worldcom) and they can move money to cash during periods of market decline.
Lastly, Real Estate Investment Trusts (REITs) are a good alternative for the growth portion of your money. In addition to their ability to provide a steady income stream mentioned above, they also have the ability to grow over time. If you don’t need the current income, it can be reinvested to compound and further enhance the return. Additionally, REITs do not fluctuate in price based on the stock market or interest rates. Because of this, having a portion of your money in REITs can reduce the volatility of your portfolio while increasing its return.
So as you can see, there are many viable alternatives to investing in an EIA. In my opinion, these alternatives are better because they give you greater flexibility to use your money if and when you need to, to make changes should the investment not perform as you expect, to reduce your overall risk by spreading your eggs among a greater number of baskets and they allow you to earn a higher overall return than the EIA.
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