Sunday, December 2, 2018

Visionone Capital Management Knowledge About Retirement Plan - Retirement Account


Retirement Accounts - Retirement Planning And Personal Finance...


An individual retirement account is an investing tool individuals use to earmark funds for retirement savings. - Money Wisers Group...
There are several types of IRAs as of today: traditional IRAs, Roth IRAs, SIMPLE IRAs and SEP IRAs, Pension Plan...
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THE STOCK MARKET
A place where investors can buy and sell stocks of all kind...
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HERE IN THIS PAGE, LEARN BOUT: 
Preferred Stocks vs. Common Stocks . CLICK ON THE LINK.
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HERE IN THIS PAGE, LEARN BOUT: MUTUAL FUNDS... 
 Mutual Funds: What are mutual funds- 
   DIFFERENT TYPES OF FUNDS... CLICK ON THE LINK..
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Investment Tools and Resources... 
LEARNING CENTER.. LEARNING VIDEOS.. 
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By Anthony of: Knowledge Financial Group And Dayan from:
Visionone Holding Company - And Certainly with help Manuel From:
Femkonsa Capital Investment



Mission Statement:

One of the mission of KNOWLEDGE FINANCIAL GROUP – KNOWLEDGEFINANCIALGROUP.COM  is to provide immediately applicable educational opportunities to everyone  a better way of learning the rule of  money, and entrepreneurship with a vision for sustainable economic , financial independence and freedom.
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FINANCE in the US, a savings account in which people can put money for their pension in a way that saves them tax. Some types of individual retirement accounts are started by people on their own and some by employers for their employees:

You can set up an individual retirement account at almost any bank, insurance company with an annuity plan, or mutual fund..
Contributions to individual retirement accounts are tax-deductible according to certain guidelines.....
 
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Visionone Holding Company

Be a part of the solution and improve financial literacy in America and elsewhere. You’ll provide much needed financial education to today’s youth, allowing them to become masters, instead of slaves of money.
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Understanding Individual Retirement Accounts (IRAs)

The main advantage of an IRA is that you can defer paying taxes on the earnings and growth of your savings until you actually withdraw the money.
 
The main disadvantage is that tax law imposes penalties if you have to withdraw any of the funds before you reach age 59 1/2.
There are several different types of IRAs. Each has its own tax implications and eligibility requirements.

 

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You must begin withdrawing money from a traditional IRA beginning in the year you reach age 70 1/2.
You must take at least the required minimum distribution or "RMD" each year. Otherwise,
 you'll be hit with an excise tax of 50 percent of the RMD amount you didn't pay regular income tax on because you didn't withdraw the money.
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Femkonsa Capital investmet
   Just as entrepreneurship pulled us out of the Great Depression, it provides opportunity today to create a stronger economy and wealthier communities. Find your own entrepreneurial spirit, create the spark in a loved one and learn how you can improve the culture within your organization through an entrepreneurial mindset with BUYHEREMARKET ENTERPRISE –
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LEARN ABOUT INVEST SEMINAR...

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ETFs Vs Index Funds: 
INDEX FUND, Index Stocks: ETF's. What You Need to Know About Trading and Investing in Leveraged ETFs..
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Investment Seminars: What You Need to Know?

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Roth Individual Retirement Accounts

A Roth IRA provides potentially tax-free savings and distributions. Unlike a traditional IRA, you don't get a deduction for your contributions when you make them. This makes these accounts similar to nondeductible IRAs, but there are significant differences in how the distributions are taxed.
Key features of a Roth IRA:
  • Contributions are not tax-deductible.
  • You don't have to pay income tax on the earnings and growth of the savings inside a Roth IRA.
  • Distributions from a Roth IRA are completely tax-free if you meet certain conditions.
  • You can contribute to a Roth IRA even if you're covered by a retirement plan at work.
  • Roth IRAs have some income limitations.
  • Required minimum distribution rules don't apply to Roth IRAs.
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More than 60% of Americans Don't Know What to Do With Their Retirement Savings --
 When it comes to managing money, many of us don't know where to start. That's particularly true when dealing with retirement assets. In fact, research from the Federal Reserve found that 60% of Americans with self-directed retirement accounts such as IRAs and 401(k)s had "little or no comfort" with managing their own retirement money. 
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 These steps will help you take control and put your mind at ease that you're managing your money right...
  You need to look at the big picture when it comes to diversification. It doesn't mean putting all of your money into either stocks or bonds. You should have a mix of stocks -- which can be more risky but can provide higher returns -- and safe bond investments, which come with little chance of loss, but limited gains .
 
Also you can take some risks for higher return by investing part of your retirement income in index funds, ETF's Exchange Traded Funds. That investment could be in like: technology ETF - real estate ETF - precious metals ETF - utilities ETF - oil and gas ETF - commodities ETF etc.

 
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Visonone Capital Management
Investment Considerations
Reduce expenses:  Trading commissions, market impact costs, bid/ask spreads, administrative expenses, and sales commissions (if any) directly reduce net investment returns. The combined effect of these costs can be difficult to compute and can consume a surprisingly high proportion of the gross investment returns offered by the capital markets.
 
Diversify systematically:  A diversified strategy captures the compensated risk dimensions of the markets in the most reliable fashion.
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Retirement Planning: Are prepare? In order not to only depend on social security benefits.

Retirement Planning


 


  PORTFOLIO: What is a Portfolio ?

PROTECT AND GROW YOUR INCOME

Many Americans are concerned that they will either run out of money in retirement or risk not having enough money to maintain the lifestyle they've become accustomed to. That's why monthly income planning is one of the most important steps in creating the retirement lifestyle you want. Don't wait to consider your financial options. Annuities can grow your initial assets while offering protected monthly income for the rest of your life that can fill a critical gap in your retirement funds

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Invest in the right asset mix
If you want to manage investments wisely, follow one simple rule: diversification. Diversification means you don't put all your eggs in one basket. Instead, invest in a mix of different assets types so if one performs poorly, others hopefully do better..
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Money Wisers Group
The principal challenge for investors is to develop an asset allocation policy that matches an investor’s risk preferences with returns offered by the capital markets.
 
 A successful policy is one that can be adhered to without anxiety in both good and bad markets.
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  One good rule of thumb is to subtract your age from 110 and invest that percentage of your portfolio in stocks. So a 20-year-old person would invest 90% of assets in stocks, while an 80-year-old person would invest 30% in stocks and the rest in bonds.
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 You want to ensure your stock investments are diversified. Don't put all your money into one company -- no matter how much you love it -- because this could lead to financial disaster if its industry performs poorly .
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Knowledge Financial Group
Saving and planning for retirement takes up a significant portion of a person's life. Even after retirement, this process must continue in order to ensure continued financial security and freedom. For many individuals, the goal is not to retire in the traditional sense of the....
 
Never Retired From  Personal Financial Planning, Always Take a Look At All Your Investments, And Insurance Policies, Whether Or Not you have financial planners, advisors, CPA’s. You’re Free To Retire From Your Workplace , But Not from Your Finances. Said Anthony Jeanty of Knowledge Financial Group – Knowledgefinancial.blogspot.com
 
word, but to be free to enjoy their retirement years. In this article, we provide some financial tips for retirees. 


 
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Don't react based on emotion
Finally, it's important that you don't base your investing philosophy on fear. Fear-based investors invest when a particular market is hot because of FOMO (fear of missing out). But they often put money in too late after a rise has already occurred. And fear-based investors often sell when the market starts to go down, locking in losses and missing a potential rally.
 
The reality is, most investors -- especially those with a diversified portfolio of ETFs -- don't need to actively manage investments. And most shouldn't. But you should schedule regular deposits into your investment accounts. This way, you'll always be buying new ETF shares on a regular basis.
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Choose simple investments if you don't know how to pick stocks..
Picking individual stocks works out very well for a lot of people. If you know how to research and look at the fundamentals of a company, you have a lot to gain -- especially if you buy good companies that grow over time.
 
Unfortunately, lots of people don't have the patience to do research or possess the financial knowledge to tell which companies are likely to be solid businesses. If you don't have the know-how or aren't interested in picking individual stocks, you don't have to -- and you can still get a diversified portfolio filled with a mix of different assets.
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Most 401(k)s have fees, so ask your 401(k) administrator what they are. If they're more than 1% annually, consider investing only up to the employer match, and then put your money into an IRA.
 
And when you look at ETFs or mutual funds, find out what the fees are and see how they compare to similar assets. They're required to be listed in the prospectus materials for each ETF or mutual fund. 
IMPORTANT SOCIAL MEDIAL PAGES AND LINKS...
Knowledge Financial Group Is The Ultimate Guide To Financial Independence And The Pathway To Enjoying
The Freedom That Comes With It.
THIS PAGE IS RICH WITH INFORMATION AND VIDEOS...
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SOCIAL MEDIA PAGES WITH EXCELLENT INFORMATION.. 
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Invest With Knowledge And Enjoy The Fruits Of Your Investment With Pride.
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Types of financial markets...
 LEARN MUCH MORE HERE:
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  Here You CAN Learn About: Fixed-Income Investments and types of fixed income...
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THIS IS AN EXCELLENT BLOG... http://knowledgefinancial.blogspot.com/
Financial Knowledge - Financial Literacy And Financial Education's Blog. THIS HAS GORGEOUS ARTICLES, AND WONDERFUL LINKS... WWW.KNOWLEDGEFINANCIAL.BLOGSPOT.COM
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Don’t Catch a Falling Knife
While we’re on that subject, remember that just because something went down a whole bunch, doesn’t mean it will go back up any time soon, and vice versa. There is a certain amount of momentum in investing, but it’s awfully hard to get it right. See above section about “investing when you get the money.” It’s wonderful to own a good investment, but the difference between a good investment and a bad investment is often just the price you pay for it.
 
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 Economy -Insurance - Finance - ''Business -Investing - Real Estate. http://www.facebook.com/buyheremarket

Small Business Solution With Fem Konsa Capital and Visionone Holding Expanding Your Small Business Today. http://www.femkonsa.blogspot.com

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HOW TO MAKE EXTRA INCOME, MONEY TO LIVE A COMFORTABLE LIFESTIME. https://www.facebook.com/zonebusiness/

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/ https://www.twitter.com/financialschool  -

 FOR A FREE FINANCIAL LITERACY-KNOWLEDGE AND FINANCIAL EDUCATION

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Past Performance Does Not Guarantee Future PerformanceYour natural tendency as a human being is to look at what has done well in the past and buy it. When it comes to picking stocks, mutual funds, or asset classes, that is usually a recipe for underperformance. This is such a truism that mutual funds are required by law to put it in their paperwork.
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 Stop Playing When You’ve Won the Game….
 Investing is a single player game. The object of the game is to reach your own investing goals. You don’t need to beat the market or your brother in law or that guy at the water cooler. Ideally, you take on only enough risk to have the best possible chance to reach your goals, and no more.
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Rebalance Your Portfolio Every Now and Then 
Intermediate investors are fixated on rebalancing. They come up with mantras like, “It isn’t buy and hold, it’s buy, hold, and rebalance.” Rebalancing doesn’t make that much of a difference, and it often hurts portfolio performance.
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Don’t Mix Investing and Insurance
Some products are made to be bought, but many are made to be sold. A large quantity of those are sold by insurance companies and their representatives. The agent will tell you it isn’t an investment. Believe him, and walk away. No to whole Life Insurance…. Investment should be investment and insurance should be insurance.
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The Investor Matters More Than the Investment….
 
The most important determinant of your investing success is your own behavior. Are you saving enough? Can you stick with your investing plan? Can you limit yourself to a reasonable withdrawal rate in retirement? Can you avoid performance chasing, greed, and fear? That all matters a whole lot more than a few basis points in fees or extra return. 
 
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   ETF'S  Recommendation:
Exchange Traded Funds (ETFs)
An ETF is similar to an index mutual fund in that it also follows an index (it’s not actively managed). However, unlike an index fund, an ETF trades like common stock on an exchange and can be bought or sold throughout the day.
 
As a consequence, ETFs have a number of options not present in mutual funds, including the ability to purchase shares on margin or make short sales, whether for speculation or hedging. 
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Recommendation Municipal Bonds..
Municipal Bonds…
Municipal bonds are debt obligations issued by public entities that use the loans to fund public projects such as the construction of schools, hospitals, and highways.
 
 In general, municipal bonds fall into one of two categories—general obligation or revenue bonds. This categorization is based on the source of their interest payments and principal repayments. However, within these categories, a municipal bond can be structured in different ways, with each variation offering different benefits, risks, and tax treatments.
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Types of Municipal Bonds
Municipal bonds are generally issued as one of three types of debt obligation:
      General Obligation (GO) Bonds repay based on the “full faith and credit of the issuer” and are considered the most secure type of bond, carrying the lowest interest rate.
      Revenue Bonds repay from a specified future stream of income, such as a utility or payments from customers or tenants.
      Assessment Bonds obligate repayment from property tax assessment within the municipality.
 
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How to Invest in Municipal Bonds
 Generally speaking, there are two ways to invest in municipal bonds: directly or through a municipal bond fund. Investors can purchase bonds directly from a municipality through their bank or broker.
 
 This method offers investors the comfort of knowing precisely what bonds they own within their portfolio, such as general obligation, revenue, or assessment bonds, as well as the exact term and yield offered by the investment.
 
The second way to invest in municipal bonds is to purchase shares in a municipal bond fund. This method offers instant diversification across hundreds of municipal bonds, which can reduce risk for investors. Another significant advantage is the increased liquidity available via bond funds. Fund shares can be sold at any time, so investors will have no problem unloading their bonds for any reason.
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WARNING!
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing.

This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professionals.
 
Please read the prospectus carefully before investing.
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Real Estate Investment Trust: Recommendation...



 
Why Invest in REITs
REITs historically have delivered competitive total returns, based on high, steady dividend income and long-term capital appreciation. Their comparatively low correlation with other assets also makes them an excellent portfolio diversifier that can help reduce overall portfolio risk and increase returns. These are the characteristics of real estate investment.
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Why should I invest in REITs?
REITs are total return investments. They typically provide high dividends plus the potential for moderate, long-term capital appreciation. Long-term total returns of REIT stocks tend to be similar to those of value stocks and more than the returns of lower risk bonds.
 
Because of the strong dividend income REITs provide, they are an important investment both for retirement savers and for retirees who require a continuing income stream to meet their living expenses. REITs dividends are substantial because they are required to distribute at least 90 percent of their taxable income to their shareholders annually.
Their dividends are fueled by the stable stream of contractual rents paid by the tenants of their properties. The relatively low correlation of listed REIT stock returns with the returns of other equities and fixed-income investments also makes REITs a good portfolio diversifier.


 
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By Anthony of: Knowledge Financial Group And Dayan from: Visionone Holding Company
Femkonsa Capital Investment    -
Equity Funds  Recommendation....
WARNING!
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professionals.

Equity Income Funds are those that invest in ownership of businesses that pay a significant dividend, often measured by a history of dividend increases, absolute and relative dividend yield, and conservative dividend coverage ratios.
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Equity Funds Focused on Market Capitalization
    Mega Cap Equity Funds are those that invest in stocks of the biggest companies in the world; behemoths worth hundreds of billions of dollars like Walmart or Berkshire Hathaway
    Large Cap Equity Funds are those that invest in companies with a large market capitalization
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    Mid Cap Equity Funds are those that invest in companies with a medium market capitalization
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Small Cap Equity Funds are those that invest in companies with a small market capitalization
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Micro Cap Equity Funds are those that invest in tiny publicly traded companies worth a few million, or few tens of millions of dollars, in market capitalization..

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Index Equity Funds are those that mimic an index such as the Dow Jones Industrial Average or the S&P 500.  Though not always true, index equity funds tend to have some of the lowest mutual fund expense ratios.

Plan your prosperity yourself or someone else will plan your misery for you. http://www.knowledgefinancialgroup.blogspot.com

===JOB WAS NEVER MADE TO MAKE YOU WEALTHY... Comfort is the enemy of achievement. https://www.facebook.com/femkonsa

===Mission - Value - Vision Of Visionone Holding Company: http://visiononeholding.blogspot.com

==Real Estate Investment Methods - Strategies Of Buying Properties With No Money And, Or No Credit. http://www.buyheremarket.blogspot.com

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  Different Ways You Can Invest in Equity Funds
When you decide that investing in an equity fund is the route you want to take for your portfolio, you have several options that might make sense.  You can:
     Invest by opening an account directly with a mutual fund family such as Vanguard or Fidelity, Ameritrade, JP Morgan etc.
    Invest by buying shares of an equity mutual fund through a brokerage account
    Invest by buying shares of an equity mutual fund through your 401(k) or 403(b) plan at work (note that there are often different mutual fund share classes to reward investors who put more money to work with an asset management group)
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WARNING!
ALL INVESTMENTS HAVE RISKS, INCLUDING THE TOTAL DISPARITION OF THE PRINCIAL INVESTMENT..
Investors should consider the features of the contract and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professionals.
 
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