How can I go and get an 'Equity Indexed Annuity' ?
Question:
Answer:
My advice, DON'T! Annuities are some of the worst investments a character can make. If you want an "Equity Indexed" anything, I'd recommend a mutual fund or an ETF.
Annuities are primarily a savings description with an insurance company that pays a lower rate than you could acquire in so tons other places.
As a financial advisor, let me make clear to you one thing... index annuities are the lowest understood product within the investing world today. I don't have the space or time to write a four page essay, but to be brief... you hold probably heard that you any get a fixed return or the investment return of the 'index', whichever is highly developed, so that you can't really lose. In most cases however, getting the 'higher' of those two situations involves annuitizing te product... in other words you with the sole purpose get that return if you rob the money out as monthly payments spread out over your lifetime. Often, if you just want to give somebody a lift your money as you want it, all you take is the normal fixed report... and usually there are better fixed rates available within a plain ol' no strings attached normal fixed annuity.
Hope that help.
Look in the phone book's sickly pages for an Independent insurance agent. But why would you want one? They are completely expensive, tie up your money for 7 to 10 years, any death benefit would be better beneath a term existence insurance policy. Is it the guarantee they offer of not losing money? Buy an index ETF next to a stop loss order. With an ETF, if the index go up 30%, your investment will go up equal. With an annuity, not nearly the same. The insurance company desires to make a profit. Is it the excise deferral? You lose with the annuity as when it is over, any means gains you may own are taxed at the highly developed income rate. Better off buying a straight index fund or ETF and be tax at the capital gain rate of 15%.
Easily. Any greedy broker or Insurance salesperson can sell them. They are among the top commissioned products in the investing world. They'll love you.
About 90% of adjectives variable annuities are sold for the wrong reason, to the wrong investors.
A. Invest in ROTH IRA's, IRA's &/or 401K (403B) accounts first.
B. Invest within S&P500 funds from Vanguard or Fidelity. Or (even cheaper) an ETF like "SPY" or 'IVV". When you lolly them in (after 1 year or more) you'll be tax at the low "capital gain rate" instead of your full earnings rate resembling a variable annuity.
That alone can collect you 5 - 25% (or more) in taxes.
C. There is no cost for drawing funds from an ETF or Fidelity or Vanguard... there will be a 7-10 year cost period beside a variable annuity.
D. Variable annuity fees are extreamly lofty. Most are hidden.
There's more... but I don't enjoy the time!
Web resource for nyse and nasdaq 52 week different large and fresh low?
Question:
what is the best web resource for nyse and nasdaq 52 week tentative high and clean low information?
Thanks.
Answer:
I don't know if there is a "best" resource or not.
My nouns is
http://bigcharts.marketwatch.com/reports...
because
(1) You can go rear 5 days, and
(2) They don't include low-priced stocks.
If you want lower priced stocks, some other resource might be better for you.
Can anyone assist me out next to the financial products surrounded by india that might let go compound interest?
Question:
I am willing to invest contained by products,those having the odds of monthly basis investment.
Answer:
Earn Money up to Rs.25000/- at Your Home. Just work 1-2hrs each day on Internet. No Investment or No Registration Charges. for more details Vist on
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You can invest contained by Mutual funds throuh SIP( Systematic Investment Plan) with even Rs.500/-. And also Bank RD's.
sip surrounded by mutual fund
Banks intrests . Have you get an narrative . What you judge around intrest rates ?
Question:
will they make you ritch ? Any experience ?
Answer:
Right very soon banks are greedy. Interest rates are nearly 1/2%, when they should be at least 2%
That ginger account, I have an idea that thats the name of the mound, I hear their interest rates are the best.
What you want is 1 million dollars and get 10% interest, afterwards you will be making some money.
I used to have 5% interest on my details, now it's down to 1/2%
bunch of jerk
The banks making empire rich other than themselves? You own got to be playing around there?
But, yes, I enjoy an account, but do not enjoy any interest rates, because of the plan I am on.
1% is what I get. No track to get rich. If you want cause any money through interest, invest in long possession funds where annual return rates are closer to 10%
emigrant direct abiding interest is 5.05%. it's almost the same as inflation rate. still better than 1%.
What is the best study program or stuff to prepare for a Series 7 exam?
Question:
I'm in the process of looking for theory test preparation materials to buy to prepare myself for an upcoming series 7 test?
Answer:
As the Series 7 Trainer for a brokerage firm, I will agree next to the other guy - STC provides questions that are worded as close as can be to the actual 7.
Securites Training Corporation(STC). they enjoy great classes and self study materials. you can probably find used materials from them on ebay. good luck!
There is a encyclopaedia you can get from any brokerage if you apply to work for them. But you can work on Wall St in need your series 7 as an equity trader. If you like you can check out our website www.rematatrading.com which negotiations about our trading platforms for professional traders.
kaplan! i own a series 7 group on yahoo groups check
Does Technical Analysis really enjoy any use surrounded by this day's choppy market?
Question:
Answer:
Considering that TA is a vast subject, I would speak yes.
First of all TA tell you when to stay on the sidelines, for instance when your system follows trends.
In Choppy markets a right TA program might be able to find resistance and support lines, figure risk-reward ratios for you, etc.
Well, I guess this depends on what you ponder of TA to begin near. If you believe it works--and that's a debatable point--you'll call for to reduce your time frame for finding entries and exits. I'm not necessarily sure which open market you're referring to, however. It may be a bit of an overstatement to say that adjectives markets are choppy right presently.
In every choppy market, within will always be some instruments / stocks that are more restful than the others. In my humble opinion, they are no different from human temperament - some are other excited, some are almost always tremendously steady and some have mood swings and redeploy behavior from time to time.
For me, it would be yes - techincail analysis still works as provides probability on the outcome by looking at what has happen.
I have intuitively found it very adjectives while trading rates. I stick to trend lines and they work many times.
Of course it's adjectives. but technical analysis is delay indicators therefore you should count it. Very adjectives is Elliot wawes theory and Bill Williams trading systems described within Trading Chaos and other two his books.
Good luck!
I have never found it of plus in any bazaar.
Yes Technical Analysis is useful if you know how to use it.
Of course! Maybe you should instead be asking, does fundamental analysis enjoy any use. If there are top up and down you can profit using T.A. When stocks go sideways if you are using fundamentals you don't label any money.
If you need more backing than was answered by these answers, here's a book on trading for beginners:
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what is the status of 'swastik roofit co.'? is it quote at BSE or NSE?
Question:
Answer:
You gave the label wrongly. It is Swastik Roofing Ltd. It is listed contained by BSE, or was. I infer the stock is not getting traded. No live quotes available. You can check the BSE site in TT segment.
what are the foremost components of fundamental analysis for valuation of a stock?
Question:
I am attempting to make a quantitative model for the valuation of stocks through fundamental analysis by quantify the various components of the reduction, industry and companies, both financial and non-financial based on set parameter in lay down to enable a rushed fundamental analysis by the retail investor who is today reluctant to carry out the difficult process. i involve your inputs in this direction.
Answer:
- Profits, both previous and predicted
- dividend
- sales, chronological and future
- debt/capitalisation
- position beside respect to competiition
- book value
- some qualitive aspects resembling: do I understand what they market, is the management any appropriate
A quick and dirty method is Gordon's discounted cashflow model and it's improvements.
So you want to do a fundamental analysis. OK. A fundamental analysis analyzes the characteristics of a company and it's environment. The three central areas to look at are:
oThe economy
-This is impressive b/c if the future of the discount looks bad,
most returns on stocks will be fruitless, and vise versa.
-Look at the current status of inflation, interest rates, GDP
growth, unemployment, and consumer confidence, and
and forecast these variables too. As okay as other
macroeconomic variables you feel are crucial.
oThe industry
-The prices of stocks are influenced by industry conditions.
Look at the demand for products and services in the
industry. Looking at the competition is important here too.
As resourcefully as any laws that regulate the industry.
oThe Company
-Here you'll analyize the quantitative aspect.
-Look at current and previous financials.
-Calculate some substantial ratios such as profitability ratio,
leverage ratios, and stock ratio. Be sure to correctly
interpret these numbers.
Using Dividend Valuation Models (DVM) to value a stock is a devout place to start. But they are not accurate. Some alternatives are the P/E approach and the Dividend and Earnings approach.
Type in "stock screener" within the search engine. All of those different criteria you see within the screener will answer your question.
If you involve more help than be answered by these answers, here's a book on trading for beginners:
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What is the unharmed view at the back dividend stocks?
Question:
I understand that dividend stocks are companies which compensate their investors a dividend. I know nothing beyond that. Can someone explain to me what these dividends are, how they are salaried out, how you find out who offers them, etc.
Answer:
Sure, I can support. Dividends are usually paid out quarterly; however, in that are always exceptions. Your sketch will automatically show the dividend if your stocks are held in street christen (that is, by your brokerage). Some dividends can automatically be reinvested to purchase more shares... only your broker will know if that likelihood is available to you on a particular company. You'll find that utilities typically wages dividends... but many other industries do as economically. You can research companies that pay dividends by using the stock screener on Yahoo! Finance.
You can run a look at a companies financial statements. Mainly their cash flow. If they hold a part that say dividends paid, primarily that company pays dividends.
Dividends are basically the web income of the company, less what the company keep to re-invest in other projects. Some companies resolve not to pay out dividends and in recent times put the money back into the company to serve the company grow faster. Others may want to pay out dividends to hold the investor happy while keeping some for themselves.
A company that pays out a dividend this year may not necessarily compensate out a dividend next year and vice-versa.
Something else to nick note of is near are preferred shares and common shares. Generally, preferred shares capture dividends if common shares go and get dividends, but commmon shares may not get dividends if preferred shares gain them. However, common shares commonly have voting rights that preferred shares dont.
Dividends are rewarded out on a per share basis. So necessarily whatever they are not plowing rear legs into the company, they divide it by the number of shares that they have and confer that amount to everyone who holds the shares.
Hope this helps...!
Why are I bonds increasing from 3% to 5% when they turn five years out-of-date?
Question:
I am using savings bond wizard to preserve track of them. I have in the order of $47k worth of I's and EE's from the past ten years or so.
Also, If I be to cash some of them contained by, which kind and how elderly should I cash contained by? What kind of trend do you expect for I and EE bonds?
Answer:
They are used to on an inflation basis. Inflation + 1% is what they set the rates at. When you bought them and the type of stash bond bond will also affect the rate, albeit slightly.
What are the most substantial reason for buying a stocks?
Question:
What is your opinion on the most central reason to buying a stock on the stockmarket. This may include reason like increase surrounded by revenue, the P.E ratio or just thinking it is a fitting company. Please leave a detailed answer i will confer 10 points for the best answer.
Answer:
The reason for buying stocks is to earn greater profits compared to other forms of investments. Selecting a stock may be done if it meet the following criteria:
(1) PEG ratio less than 0.5
(2) Sales growth greater than 25%
(3) Net profit growth greater than 25%
(4) Sector is outperforming the broad index.
(5) Profit to risk ratio is greater than 2
(6) Price increase is supported by increasing volume
(7) Return on Net worth is more than 25%
(8) Good nouns
(9) At least a few mutual funds should own bought the stock
(10) Do some research on the company.
I look for a stock that shows a pattern of consistent growth, first of adjectives, say a minimum of 10% average annual growth for the finishing five years in income per share, sales, book good point per share, and free cash flow. Next, it should hold a wide moat, something distinctive in the region of the product or company that protects it against competitors, for example a widely recognized brand dub, a patented product, or a way of producing a product at a cheaper price. The company should also be well-run, with at most minuscule 10% Return on invested capital and nutritious profit margins. Make sure that the management is well-versed, smart, and places stockholders' interests first. Watch out for CEOs and management that are looting the company at stockholders' expense. I also look for companies that are trading at a discount to their objective value. These are the chief things.
PE is not that important, but be intensely careful in the region of any stock with a PE over 40. And as a rule, I won't purchase a stock near a PE over 50. Other attractive factors are an average analyst rating between 1-2 (as reported surrounded by Yahoo! finance). A PEG ratio of 1 or below is also a good sign. And low P/S and P/B ratio are also good signs; anything below 2 is extraordinary. When you're looking at numbers, however, you own to compare to similar businesses, since some businesses tend to have difficult PEs and others have low profit margins, and so on.
To me, the most essential reason to buy a stock is that it fits my rules and give me a chance to brand a profit.
In the short term, I'm primarily a controlled trader. I trade breakouts, earnings, and other pattern. NYX, AAPL, and ICE are current examples.
In the longer term, I recurrently look at fundamentals. Strong stock in strong industry or vague stock in skinny industry. I ride the stock until it turns. Then I find another one to ride. Keys to why they're strong or weak not tell the truth in the returns, earnings growth, accumulation/distribution, EPS, PE Ratio, Sales and EPS Growth, insider trading, and so forth. Examples of this might be JCP surrounded by the retail industry, or AIG in the insurance industry.
Hope that help!
Since 1929 any ten year period have provided at least 10% growth surrounded by the stock market. I once took an investment course that started near the instructor holding up a 5 dollar bill saying, "It's 1950, how oodles subway rides does $5 buy? (I live in NYC). The correct answer 100 @ a 5 cents fare. Back to 1950, put that 5 cents contained by a interest bearing money account. In 2006 near interest, how much is it worth today? About $1.00. Now how much is the subway fare today? $2.00. If you just keep hold of your money in a guard you lose because of inflation. You must invest.
For the United States Postal Service, what are the knob ratio for 2005?
Question:
I would like the numbers first. I checked Reuters, yahoo, msn, but I cant seem to find them. Someone aid me out please. I have a project due Tuesday...
Answer:
Being a touch gummy, what are key ratio?
Are condo hotels a well brought-up investment?
Question:
Answer:
may be but look good the other expenses resembling maintenance tax guarding fee and more services you pay out of the asset direct price, cause a good working out!
The right one can be. It depends on the demand for that hotel as a destination for people.
I want To Earn Profit of INR 30000 per month surrounded by Passive income.?
Question:
Condition-dont want to gamble, no share flea market or 8-7 job,
Maximum investment- INR 5,00,000
Suggest concept or business & Pro or cons
+Time frame required to start making profit.
Answer:
hmm... typically it can be solved by marrying someone rich.
you can do jobbing surrounded by shares it gives soaring return in in the future but little bit risky
invest in mutual funds as this is the best time. dont expect returns of 30000 but u shud receive a decent return
I'm certified forex/cfd trader.
I discharge to my investors not less than 5% monthly.
If you interesting contact me by e-mail vp_invest@yahoo.c...
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Buy 2 apartments surrounded by Chennai for 2.5 million each. Rent them out. You should know how to get going on for 20-25k per month of rental income. the good entry about the income would be that it would be inflation adjust. Meaning if inflation goes up, your income will progress up too.
Not to mention capital appreciation.
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move about thr my other answers
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what are the probability of appreciation of property rates contained by jaipur india?
Question:
for best returns in which property conspire i should invest in jaipur? is near any project called 'aravali'? what are the rates at hand?
Answer:
Not so early ...it take 2-3 years for appreciation to come that why, taking property now is pious deal contained by termof long term attitude.