Category Archives: Investment

Maintaining Sustainable Withdrawal Rate in Retirement – by John Jastremski

What is a sustainable withdrawal rate? A withdrawal rate is the percentage that is withdrawn each year from an investment portfolio. If you take $20,000 from a $1 million portfolio, your withdrawal rate that year is two percent ($20,000 divided … Continue reading

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Value Investing Strategy

Many of the greatest investors (Benjamin Graham, Warren Buffett, and Seth Klarman) that have ever lived have employed some form of value investing as an integral part of their overall stock investing strategy. However, value investing is a broad term … Continue reading

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Changing Jobs? Take Your 401(k) and Roll It -by John Jastremski

If you’ve lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It’s important to understand your options. What will I be entitled to? If you leave your job (voluntarily or … Continue reading

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Trusteed IRAs -by John Jastremski

The tax code allows IRAs to be created as trust accounts, custodial accounts, and annuity contracts. Regardless of the form, the federal tax rules are generally the same for all IRAs. But the structure of the IRA agreement can have … Continue reading

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Protecting Your Savings and Investments -by John Jastremski

In the wake of turbulence in the financial markets, it’s worth reviewing the legal protections available for assets held by banks, credit unions, and securities dealers. Bank/savings and loan deposit accounts Generally, deposit accounts at banks and savings and loans … Continue reading

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Distribution Funds: Putting Income on Autopilot -by John Jastremski

As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets can be converted into an ongoing stream of income. Distribution funds are one way to simplify that process. Distribution funds are actively … Continue reading

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Why Save for Retirement? -by John Jastremski

When you envision retirement, you probably see yourself living comfortably, doing what makes you happy. Your dreams could be as lofty as traveling the world or as simple as spending more time with your friends and family. Everyone’s vision is … Continue reading

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Weekly Economic Update 11/18/13 by John Jastremski

November 18, 2013 YELLEN EMPHASIZES FURTHER EASING While conceding that the Federal Reserve’s current stimulus effort “will not continue indefinitely,” Federal Reserve chair nominee Janet Yellen sounded decidedly dovish at her confirmation hearing in the Senate last week. “Supporting the … Continue reading

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RMD Precautions & Options By John Jastremski

RMD Precautions & Options A reminder about mandatory withdrawals from IRAs & other retirement plans.   Just what is an RMD? After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts … Continue reading

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MUTUAL FUNDS FOR INVESTMENTS

Mutual Funds are professionally managed investment scheme, in which fund managers manage the investment made by the investors. A mutual fund is administered under an advisory contract with a management company, which gives full detail about the schemes going on … Continue reading

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