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Department of Labor Considers New Fiduciary Rules!
 
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We have spoken before about the liability trap that sponsors of 401k’s fall into; namely that they are fiduciaries for the plan and that exposes them to the participant’s liability. Well now comes the Obama administration through the Dept. of labor proposing new regulations that would make the brokers as providers to 401k’s subject to increasing their standard to that being a fiduciary as well. This is huge news for plan participants but most certainly also for Wall Street itself. Here’s the bottom line on this and how it affects everyone; under current rules a broker, that is the person selling the plan, has to act under a “prudent man” rule making sure that the investments offered to participants were appropriate for them. Take for example Target Date Funds. These one-stop shop funds adjusted the asset allocation of the funds to meet the client’s age and expected retirement date. Pretty nifty. The problem here is what is now becoming a regulation. Let’s say I’m a broker for Merrill Lynch and I sold a plan to company “X” and furthermore, I offered Merrill Lynch Target Date funds to the participants. Under the old rules, I was fine. The investments were considered appropriate and everyone was happy. Well, not quite everyone. Over the past years subsequent to the debacle of 2008, many academics and some practitioners have complained that participants were paying too high a fee for the service they were receiving. They argued that sometimes fees are hidden and other times fees are just too high when compared with competitors. This led some, including the New School of Economics Theresa Ghilarducci to recommend to congress that the government take over the 401k and put into the retirement funds into government securities like Social Security. This more extreme approach didn’t get traction but the idea of investors paying too high a fee to brokers for selling in-house products did. Most of us would agree that a person selling financial instruments should have a pretty high level of responsibility when it comes to serving their clients. But, in my opinion, making brokers act as fiduciaries opens them up to a myriad of problems. The first is that the major brokers will simply not work with individuals because, why would they; one of their brokers builds a relationship, does the ground work to figure out what’s needed in that circumstance, and then due to fiduciary rules is forced to sell a competitive product. It doesn’t take rocket science to know no business could do that for long and stay in business. So this will have an unintended consequence and that is that smaller investors will get no help. Fee based advisors already act in many cases as fiduciaries and most often have the flexibility to use any investment that makes sense because they’re fee based, not commission based. However, due to regulatory costs, among other things, small investors typically can’t access fee based advisors. The cost to an advisor approaches around $5000 per year in time and resources and an average of 1% fee, that’s equal to a $500,000 account and that is a very standard minimum. Solutions, if you’re a professional in the financial services business, become a fee-based adviser; if you’re a participant in a 401k, educate yourself. More than ever you will have to rely on your own knowledge and abilities to successfully manage your retirement assets. That’s never really been in question anyway, you have always been the one who has borne the responsibility for yourself, even if someone else tried to help. For more videos and audios from Steve Beaman, visit: SafeFinancial.org ...and view more videos on our website at: http://Clean.TV
Views: 1899 CleanTVcom
HDFC  MF New scheme , Monthly Pay Out in Hindi ( Prudence Fund )
 
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Hello Friends Note :- हेलो दोस्तों "HDFC Mutual fund का Prudence Fund एक बहुत ही अच्छा पेंशन प्लान हे हलाकि इसका नाम Officially पेंशन प्लान नहीं हे लेकिन आप एक बार निवेश करके प्रति माह पेंशन के रूप में एक निश्चित राशि पा सकते हे जोखिम एवं अन्य जानकारी वीडियो में बताई गई हे " In this video we will show you hdfc mutual fund pension plan, in which one can invest a Big amount and get regular pension For example If Some One Invest 10 lac Rs. Then he can get 10000/- pension per month "this is really amazing plan". In this plan by investing a big amount one can get an amount of pension. in this plan pension start immediate no need to wait for long time. start this plan and pension start hand to hand. So Friends Lets see the name of this plan Then Name of the HDFC MF Pension Plan Is """" HDFC PRUDENCE FUND""" ( An Open Ended Balanced scheme) { Two Option available regular and direct both are good HDFC Prudence fund is balanced fund which invest in both equity and debt Instrument which give amazing returns. Now See How to Buy HDFC Mutual Fund Online , first option to buy hdfc pension plan -- one can buy this plan from hdfc mutual fund office second option to buy hdfc mutual fund pension plan is visit to hdfc bank and buy hdfc pension plan Third Option to invest in hdfc pension plan or invest in hdfc pension plan direct from home is log in to http://www.hdfcfund.com/investorcorner/hdfcmf-online
Views: 565030 Online Support Raj
Warren Buffett: Investment Advice & Strategy - #MentorMeWarren
 
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He's the chairman, CEO and largest shareholder of Berkshire Hathaway. He's the most successful investor in the world. He's consistently ranked among the world's wealthiest people. (He has an estimated net worth of US$66.4 billion) MentorMe Warren. .:;$ JOIN MY #BELIEVE NEWSLETTER $;:. This is the best way to have entrepreneur gold delivered to your inbox, and to be inspired, encouraged and supported in your business. Join #BelieveNation and feel the love. http://www.evancarmichael.com/newsletter/ .:SOURCES:. 1. https://youtu.be/Mh1G1DiJ1oI?t=7m39s 2. https://youtu.be/t69G17HCl4Y 3. https://youtu.be/S98O2gFBEPo?t=10m50s 4. https://youtu.be/S98O2gFBEPo?t=54s 5. https://youtu.be/cSU3y0N60XU?t=28m21s 6. https://youtu.be/gUAtVyWS_4Y?t=1m54s .: WHAT IS #BTA? :. Why do people keep ending comments with #BTA?: https://www.youtube.com/watch?v=BsY8bmTUVP8 .: SUBSCRIBE TO MY CHANNEL :. If you want to do great things you need to have a great environment. Create one by subbing and watching daily. http://www.youtube.com/subscription_center?add_user=Modelingthemasters .: CAPTION THIS VIDEO :. If you loved this video, help people in other countries enjoy it too by making captions for it. Spread the love and impact. https://www.youtube.com/timedtext_video?v=d0XKtUXgpOw .: CONNECT WITH ME :.Leave a comment on this video and it'll get to me. Or you can connect with me on different social platforms too: Twitter: https://twitter.com/evancarmichael Facebook: https://www.facebook.com/EvanCarmichaelcom Google+: https://plus.google.com/108469771690394737405/posts Website: http://www.evancarmichael.com .: MORE ABOUT ME PERSONALLY :. About: http://www.evancarmichael.com/about/ Coaching: http://www.evancarmichael.com/movement/ Speaking: http://www.evancarmichael.com/speaking/ Gear: http://evancarmichael.com/gear .: VIDEO SCHEDULE :. Top 10 Rules for Success - Weekdays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM0VWRGYCfuUCdyhKfU733WX #Entspresso - Weekdays at 7am EST : https://www.youtube.com/playlist?list=PLiZj-Ik9MmM0-kQSSs3Ua5wExlz1HwRRs #BelieveLife - Sundays at 7am EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM207_RQCOPAwZdKYXQ4cqjV #EvansBook - Saturdays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM1tNSh0CjOsqIg1fw7bAPt4 Life with Evan - Sundays at 8pm EST: https://www.youtube.com/playlist?list=PLiZj-Ik9MmM19tzfHH_VJOnghbfdRPZjS Thank you for watching - I really appreciated it :) Cheers, Evan #Believe
Views: 948811 Evan Carmichael
20. Professional Money Managers and their Influence
 
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Financial Markets (2011) (ECON 252) Professor Shiller argues that institutional investors are fundamentally important to our economy and our society. Following his thoughts about societal changes in a modern and capitalist world, he turns his attention to the fiduciary duties of investment managers. He emphasizes the "prudent person rule," and critically reflects on the limitations that these rules impose on investment managers. Elaborating on different forms of institutional money management, he covers mutual funds, contrasting the legislative environments in the U.S. and Europe, and trusts. In the treatment of the next form, pension funds, he starts out with the history of pension funds in the late 19th and the first half of the 20th century, and subsequently presents the legislative framework for pension funds before he outlines the differences of defined benefit and defined contribution plans. Professor Shiller finishes the list of forms of institutional money management with endowments, focusing on investment mistakes in endowment management, as well as family offices and family foundations. 00:00 - Chapter 1. Assets and Liabilities of U.S. Households and Nonprofit Organizations 11:30 - Chapter 2. Human Capital and Modern Societal Changes 17:04 - Chapter 3. The Fiduciary Duty of Investment Managers 28:23 - Chapter 4. Financial Advisors, Financial Planners, and Mortgage Brokers 33:53 - Chapter 5. Comparison of Mutual Funds between the U.S. and Europe 37:58 - Chapter 6. Trusts - Providing the Opportunity to Care for Your Children 43:14 - Chapter 7. Pension Funds and Defined Contribution Plans 58:23 - Chapter 8. History of Endowment Investing 01:02:34 - Chapter 9. Family Offices and Family Foundations Complete course materials are available at the Yale Online website: online.yale.edu This course was recorded in Spring 2011.
Views: 35184 YaleCourses
Retirement Planning  - Plan your Retirement now | Reverse Mortgage | Pension Plan | NPS | ELSS | PPF
 
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Watch - Retirement is not the end of your life… It’s just the beginning. It’s the time to pursue dreams and hobbies and catch up on everything you have missed in life. To enjoy a happy retired life….You Need Money. You can’t wait till retirement to save money. You need to start saving and collecting the money…. NOW. To know more, Watch : https://youtu.be/cyuhAx2e_hA - or - Read : http://indianmoney.com/how/retirement-planning-for-a-secure-retirement To Get All Your Financial Queries Answered, Just leave a Missed Call on, #02261816111 - or - Just post a request on IndianMoney.com website. Learn to SAVE,SPEND,INVEST and BORROW consciously by just subscribing to our IndianMoney.com channel http://bit.ly/2gjv2mu You can also Visit us at http://indianmoney.com/ Like us on Facebook https://www.facebook.com/pages/IndianMoneycom/165804993477585 Follow us on Twitter https://twitter.com/indianmoneycom Add us on Google+ https://plus.google.com/+Indianmoney Join our network on LinkedIn https://www.linkedin.com/company/indianmoney-com Follow us on Instagram https://www.instagram.com/askwealthdoctor/ #Retirement #ReverseMortgage #NPS #ELSS #PPF #PensionPlan #IndianMoney #Loans #Tax #Insurance #MutualFunds #FreeFinancialAdvice #Save #Spend #Invest #Borrow Thanks for Watching! "Be Wise, Get Rich".
Views: 681 IndianMoney.com
Investor's Guide - Investing for Retirement
 
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Views: 556 ET NOW
One Time Investment 152700 and Get 32085 Lifetime Pension | lic pension plan
 
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How much equity should I hold in my portfolio?
 
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Equities, be it direct investments in stocks or via mutual funds have the potential to beat inflation, but how much should my portfolio contain? How does it vary for different investment tenure?
Retirement Plan Distributions - What you must know!
 
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-------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 184 Wise Money Tools
Equity Portfolio Construction Part 1
 
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Balaji Vaidyanath from Sundaram AMC where he works as a fund manager in its PMS wing speaks about, investment process and construction of an equity portfolio at the Chennai Investor Education Workshop on Financial Planning and Goal-based investing. The workshop was jointly organised by Srinivasan Sundararaman of MoneyKare, Wealth Managers, and myself and was partially sponsored by Sundaram AMC.
Are you an Investor or a Gambler? - Investment Risk Management - Income for Life
 
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Are you gambling your money away or are you investing? Do you invest money that you can't afford to lose in a place where the odds are stacked against you, or worse in a place where you have no clue what the outcome is? Smart investors don't invest in anything where they don't have some control over the outcome. Smart investors make sure they understand their investment risks vs the rewards. In many cases income for life streams or cash value life insurance can provide a safer alternative to gambling in the markets or 401ks. Investor or Gambler Hi…this is Dan Thompson One this video we are going to talk about the difference between an investor and a gambler. The term investor has been dramatically changed over the years. Let me see if I can define what an investor should be. 1. The money invested should be RISK CAPTITAL So what does that mean? It means that in the case of loss you should be able to walk away from it financially and emotionally without it negatively affecting your financial situation. Truth is you may be able to walk away financially, but it’s hard to walk away without emotion, we all hate losing money don’t we? How does that definition sit with you? Can you walk away from your investments in the stock market and be financially okay? 2. Next, Investors have a deep understanding and knowledge about the investment. This more then likely eliminates many people from putting their money at risk in investments they don’t understand. 3. Investors have some Influence or control Do you have any influence or control over what happens in your investments? Risk capital is “walk away money” - Money that you don’t need for retirement for instance. For most people I talk to their retirement plan at work is not “walk away” money. In fact under what circumstances would money you need for retirement ever qualify under walk away or risk capital? Never right? I mean we are saving or investing for our future….but at what risk? We saw many people put off their retirement plans after the last stock market crash because their 401k or IRA was their next egg, It was money they needed for retirement and their future income. In the end, it wasn’t risk capital. Understanding your investments is important. Do you know how many times I ask, so tell me about you investment mix? Why do you have your money invested in that fund or that one? More often than not it’s something like, well that’s what the guy told me to do. Or they said this portfolio mix was conservative, or moderate, or aggressive. When I ask how the funds or investments are managed or what they invest in or how they protect you from losses all I hear is crickets and a blank stare. No one knows…do you? Folks, this is your future. If you don’t know how or why your money is invested doesn’t that kind of scare you? Are you willing to risk your future? Lastly, having some kind of control or influence isn’t a bad idea. This is why many decide to own their own businesses. They feel like they have control or influence on the direction of the company. So if you have Risk Capital, a deep Understanding of the investment, and some control or influence, you are most likely an investor. I encourage you to watch Shark Tank. It’s a TV show where billionaires listen to ideas from people looking for money and investors. You’ll be able to tell right away that these “sharks” are investors. They have risk capital, if they don’t understand something they usually walk away, and they want influence on the direction of the company. Real quick, let me say something about the 401k. You know, the 401k wasn’t designed to be an end all to saving or investing. However, the promises and lure of double-digit returns gave people hope that they could save less and have more in the end. ... -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 1532 Wise Money Tools
CTFA - Certified Test Trust and Financial Exam Advisor (CTFA) Questions
 
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For American Bankers Association CTFA Test Questions and Answers Please Visit: https://www.PassEasily.com/CTFA.htm Exam Section 1 - Fiduciary & Trust Test Activities Questions (Test Coverage 40%) Exam Section 2 - Financial Test Planning Questions (Test Coverage 15%) Exam Section 3 - Tax Law & Planning Questions (Test Coverage 10%) Exam Section 4 - Investment Test Management Questions (Test Coverage 20%) Exam Section 5 - Ethics Questions (Test Coverage 5%) (CTFA Passing Score): 75% (Number of Test Questions): 150 (Exam Time): 180 minutes For CTFA Exam: • You must have a thorough test understanding of the questions fundamental tenets of trust law (fiduciary powers, duties, and responsibilities in particular). You must be familiar with exam various types of fiduciary relationships and activities that are essential to test day-to-day account administration. Finally, you must also have exam knowledge of a trustee's responsibilities relative to questions investing trust test assets (i.e. the prudent person and prudent investor rule), specific securities laws, OCC Regulation 9 and relevant exam ethical issues. • You must understand the entire questions spectrum of non-legal aspects of personal exam finance including recommendation and implementation of basic personal financial strategies related to wealth accumulation and distribution, tax planning, asset transfers and retirement planning. Due to its questions impact on a client's personal financial exam plan, you need to be able to test assess a client's insurance program including life, property, disability, casualty and health insurance. Last, you must test understand questions estate planning exam techniques including the disposition of assets during a client's lifetime through a planned gift program as well as after death through a testamentary test disposition. • You must possess knowledge of Internal Revenue Code requirements related to taxation of trusts, personal questions income and employee exam benefits. In addition, you need to understand test individual and charitable trust taxes, the scope and requirements of gift test taxes, estate taxes and generation skipping transfer taxes - among others. You must be able to advise clients on the federal questions tax exam consequences of various financial strategies including the acquisition and disposition of property. • You must have knowledge of economics and markets; especially, as they questions apply to the effect that test major economic exam variables have on investment decisions. Furthermore, you must be skilled in client portfolio management including various types of exam investments (including securities instruments), client objectives and constraints, and performance test measurement. • You must be familiar with exam ethics as it relates to unauthorized practice of questions law, confidentiality, breach of trust, self-dealing, issues dealing with exam unfair trading of test securities, conflict of interest, prudent person standard, etc.
Views: 873 PassEasilyChannel
How much should you save for your retirement? - Zee Business Interview
 
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We offer FREE Financial Literacy Awareness Program - FLAP both online and offline (Delhi) and Paid Financial Literacy Intensive programs- FLIP, which is an intensive course on Wealth Management & Investing successfully in the Stock markets . To REGISTER, Pleas VISIT us at: www.varunmalhotra.co.in Investing basics for beginners is another attempt by Mr. Varun Malhotra to explain to a know nothing investor that investing is simple. He also explains what investing means and how much one should save for his retirement. Facebook : https://www.facebook.com/www.eifs.in/ Instagram :https://www.instagram.com/varun.malhotra.eifs/?hl=en DISCLAIMER : These videos/comments and all other forms of communication are for educational purposes only and must NOT be taken as investment advice. The company/institute shall NOT be held liable for any loss suffered in any form by the student/member of public. Any information provided through classes/meetings/books/social media or any other form MUST NOT be considered Investment advice.
Views: 48163 Varun Malhotra - EIFS
Prudent Retirement Investment Strategies
 
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Find out how much risk you should take within your portfolio based on your individual situation. Then looking at your risk profile, determine your expected return and how this can affect your lifestyle in retirement. CFP® Joe Anderson gives you important advice on prudent investment retirement strategies in this episode short of “Your Money, Your Wealth.” Transcription: “If you take a look at investing, there are some things you want to do. You want to make sure you have your goals in mind. What is the goal? How much money do I need? And then create the absolute safest portfolio to achieve that goal. Because here’s the deal: you have to take a look at risk. Risk is a very powerful thing. But, risk and expected return are related. So, if you’re not taking on the risk, you’re not going to get the return that you need. You absolutely have to stay invested and then try to use the lowest cost possible. Let’s say you have a million dollars, and that million dollars grows to two million bucks. Yes, that might affect your life a little bit, but think of it like this: if you have that million dollars that turns to two million, or if that million turns to $50,000, what is going to affect your life more? That’s where most people try to invest, they try to get maybe the biggest rate of return, but they don’t understand the risk associated with it. So Al and I truly believe that you want to take the least amount of risk possible to get you the portfolio you need to maintain a lifestyle long-term. Then you don’t have the anxiety, you’re not freaking out and everything else that goes along when the markets tumble” Season 2 Episode 13 Aired 3/28/15 If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, click here: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: http://yourmoneyyourwealth.com http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Earn 70,000 Income After One time Investment with LIC Jeevan Akshay VI policy | Best Investment Plan
 
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Hey Guys, Today I am going to show you the Plan where you need to Invest your money for only One time and Get Return Income of Rs. 70,000 Every Year. It is a good Plan From LIC to Make Money. I consider this as one of my best investment plan among All plans for earning Money with LIC.
Views: 1026468 Khabree Laal
50 Years Old - How To Catch Up On Retirement?
 
03:30
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 171404 The Dave Ramsey Show
Will LTCG on mutual funds push investors towards ULIPs
 
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The Budget 2018 has changed the investment options with the introduction of the LTCG tax. Does it make ULIPs a better investment bet than equity mutual funds? ---------------------- About the Channel: Watch Business Today videos to get the latest news on Business, stock market, sensex - BSE India, NSE India, personal finance, gold prices, petrol prices and more. Also, get an insight into the dealings of the top companies in India from Business Today's award-winning journalists. Get up to date with all investment options (Mutual Funds, SIPs, Debt, Equity, Insurance, Home Loans, Pension Schemes, Retirement Plans) from our Money Today team. Also, watch interviews of top CEOs. Regular shows to watch out: The Good The Bad and The Ugly with BusinessToday.in Editor Rajeev Dubey to know the top stories of the day specially curated from the world of business and economy. Watch Inside India's Factories to find out how different products get manufactured and processed for final consumption. You can follow us at: Website: https://www.businesstoday.in Facebook: https://www.facebook.com/BusinessToday Twitter: https://twitter.com/BT_India Google Plus: https://plus.google.com/+businesstoday
Views: 516 Business Today
Beyond Prohibited Transactions: The Exclusive Benefit Rule For Checkbook Control Retirement
 
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The prohibited transaction rules are key to self-directed IRA and 401k investing - but they are not the only rules. Enter the Exclusive Benefit Rule. To learn how you can get control of your retirement money and invest tax free in real estate, hard mony lending, and private loans, vist us https://www.401kcheckbook.com. Make sure to check out: https://www.401kcheckbook.com/checkbook-control-retirement-plans/introduction-to-self-directed-retirement-plans/ https://www.401kcheckbook.com/checkbook-control-retirement-plans/checkbook-control-ira/ https://www.401kcheckbook.com/checkbook-control-retirement-plans/checkbook-control-401k/ https://www.401kcheckbook.com/checkbook-control-retirement-plans/checkbook-control-defined-benefit-plan/ If you've got any questions feel free to reach out to us or post them below.
Views: 24 ReSure Financial
Investing For Beginners | Advice On How To Get Started
 
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FREE COURSE To Start Your Online Business: http://projectlifemastery.com/freecourse?utm_source=youtube.com&utm_medium=social&utm_campaign=youtube+videos&utm_term=investing+for+beginners&utm_content=youtube+description In this video, Stefan talks about investing for beginners, and gives advice on how to get started. In particular, he highlights five investment success principles. When Stefan was 18 years old, he read a finance book called, "The Wealthy Barber”, by David Chilton. After reading this book, he realized that the most important thing that he could do was to start investing as soon as possible. The earlier you start investing, the sooner you can make mistakes and learn from them, and you have a higher risk tolerance. Stefan started from nothing, and has been able to build himself up to a millionaire, at 30 years old. Are you ready to invest in your future? It will be one of the best decisions you make! ★☆★ VIEW THE BLOG POST: ★☆★ http://projectlifemastery.com/investing-for-beginners/ ★☆★ SUBSCRIBE TO ME ON YOUTUBE: ★☆★ Subscribe ► http://projectlifemastery.com/youtube ★☆★ FOLLOW ME BELOW: ★☆★ Blog ► http://www.projectlifemastery.com Twitter ► http://www.projectlifemastery.com/twitter Twitter ► http://www.twitter.com/stefanjames23 Facebook ► http://www.projectlifemastery.com/facebook Facebook ► http://www.facebook.com/stefanjames23 Instagram ► http://projectlifemastery.com/instagram Instagram ► http://www.instagram.com/stefanjames23 Snapchat ► http://projectlifemastery.com/snapchat Periscope ► http://projectlifemastery.com/periscope iTunes Podcast ► http://www.projectlifemastery.com/itunes ★☆★ MY PRODUCTS & COURSES: ★☆★ Morning Ritual Mastery ► http://www.morningritualmastery.com Affiliate Marketing Mastery ► http://www.affiliatemarketingmastery.com Kindle Money Mastery ► http://www.kmoneymastery.com 24 Hour Book ► http://www.24hourbook.com Kindle Optimizer ► http://www.koptimizer.com ★☆★ WANT TO BE COACHED BY ME? ★☆★ You can apply for my 1-on-1 and group coaching programs here: http://projectlifemastery.com/coaching ★☆★ RECOMMENDED RESOURCES: ★☆★ http://www.projectlifemastery.com/resources If you found this video valuable, give it a like. If you know someone who needs to see it, share it. Leave a comment below with your thoughts. Add it to a playlist if you want to watch it later.
Views: 890652 Project Life Mastery
Is it prudent to invest in an index fund for the next 30 years?
 
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Live answers to your investment queries.
Views: 245 Value Research
🔴 What to Do If  You Have Not  Saved For Retirement  and You Are Now 50 Years Old
 
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What to Do If You Have Not Saved For Retirement and You Are Now 50 Years Old. Acceleration Mode You will need to Accelerate your efforts. It is time to start massive action to build your retirement portfolio. The Good News - You still have time, so there is no need to panic. Use your experience in life to make the next 50 years your best. Don't Worry - If you put a plan together, you can still have a healthy and prosperous retirement. Don't Punish Yourself Full of Guilt - Many things happen in life and we can all get off track. In fact, a recent GOBankingrates.com survey found that 28% of people over age 55 have no retirement savings at all, while 26% report that they have under $50,000 saved for retirement. But with retirement fast approaching, there are still some moves you can make to get closer to achieving financial independence. Apr 4, 2017 Start a Plan Start an Exercise Program - You want to be healthy and wise as you get close to retirement. Social Security Administration - Check on your benefits you have earned. A good rule of thumb, don't rely on Social Security. Review Your Expenses - Look for ways to reduce your expenses on items or services you absolutely do not need. Develop a thrifty mentality. Plan to Work to an Older Age - Instead of thinking about retiring early, plan on working to reach your full Retirement Social Security Age. For most that will be around the age of 67. Begin to Increase Your Savings Accelerate your savings rates from 15% to 20% or more. Save the maximum amount your 401K allows. Work an extra job and put all of that income in your savings. Review Your Investment Program or Get Started. Invest your money in Mutual Funds or other equity investments. GOAL to Achieve $300,000 to $500,000 is a good number to shoot for. Ideally, you should have 6X your salary. Examples of How to Do it. Age: 50 Income: $60,000 Save: 15% of Salary $750.00 / Month Time: 17 years Earnings: 7% Accumulation in 17 years: $295,000 Increase Saving Rate to 20%: $393,000 Age: 50 Income: $100,000 Save: 15% of Salary or $1,250.00 / Month Time: 17 years Earnings: 7% Accumulation in 17 years: $491,000 Increase Saving Rate to 20%: $653,000 Age: 50 Income: $40,000 Save: 5% of Salary or $250 / Month Time: 17 years Earnings: 7% Accumulation in 17 years: $100,000 Relocate to A Less Expensive Area. Sell Your Home. Move to a Different State or Out of the Country.
Views: 73824 Wisdom Investor
What is a prudent investor?
 
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Check out our other free live and on-demand webinars at http://aghuniversity.com. Brad Bechtel explain(s) what it means for a business to be a prudent investor. Join him and David Darby for their upcoming webinar The Buck Stops with You: Retirement Plan Liability Management.
Views: 12 AGH
How to Retire Early: The Secret is FIRE 🔥
 
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The secret to early retirement is FIRE. Literally: Financial Independence Retire Early = FIRE. Using the principles of fire one can unlock early retirement and freedom at any age. I used FIRE principles to retire at the age of 24 nearly aged 25. I want to help you to unlock Financial Independence as well - JOIN ME and become a FIRE FOLLOWER in the FIRE MOVEMENT! Hit like, subscribe to this video and you too will be on your way to being FIRE. How to Contact me: My Facebook Group: https://www.facebook.com/groups/23242... My Blog: http://www.25andfree.com/ Facebook: https://www.facebook.com/mrosehart/ Instagram: http://www.instagram.com/mikerosehart Twitter: https://twitter.com/MikeRosehart SUBSCRIBE: https://www.youtube.com/channel/UCe56... Bigger Pockets: https://www.biggerpockets.com/users/m... Mike Rosehart Business & Coaching Inquires: 25andfree25@gmail.com. If you want to speak with me on the phone or over skype for 1 on 1 coaching calls, I have decided to make myself available on a limited basis (so long as it doesn’t infringe on my Freedom too much – Family is important too!). Given the availability in my calendar is limited I have to charge $99/hour to ensure I don’t get swamped with requests that I cannot respond to for months. That said, most of what you need to know is out there on Youtube and in my videos. I look forward to hearing you. Mike Rosehart is a 25 year old early retired, self-made millionaire, with a young family, who unlocked financial independence at the age of 25 through Real Estate investing, hard-work and extreme frugality. Mike holds the title of Canada's Youngest Self-Made Early Retiree through Frugality. He bought his first property at the age of 19 (in 2012), while still in university studying business finance, and scaled up to build a 15 property portfolio in 2017 that cash-flowed over $12,000/month (net) in London, Ontario, Canada. Mike sold 11 properties and currently has 7 properties, dabbles in equity investing, real-estate, entrepreneurship, business management, and much more. Mike is obsessed with all things personal finance. He created this channel to give back with the goal of educating others on all things financial independence (FI), real estate, and managing it all with a young family. Subscribe to follow Mike on his journey to help others unlock financial independence! #fire #firemovement #secretisfire #retireearly
Views: 1989 Mike Rosehart
Safe Investing - Whole Life Insurance as an Investment - Part 2
 
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Part 2 of our "Whole Life Insurance as an Investment" series... Thanks for joining me on part two of this series. As promised from the first video in this series, I told you I’d show you a real-life case, that left me wondering what planet I was on. You might be surprised as well. Last fall I was talking with a dentist. He was looking for the best way to supplement his income when he retired in 10 years. The dentist was going to save $100,000 a year for a total of 1 million over the next 10 years. I showed the dentist how he could build up the cash value in an engineered whole life and have a tax-free income stream at retirement. The dentist liked it. At the request of the dentist he wanted me to show it to his money manager or current advisor. I told him, I’m happy to, but if he’s a typical money manager, he’s going to come up with some reason not to do it, but that’s okay, let’s see what he says. So, I went to his advisor, I showed it to him. We compared what he wanted to do for the dentist with the whole life. His idea was essentially the Wall Street way using a staggered bond portfolio, mixed with some dividend paying stocks. He was projecting about a 3-4% income stream based on the current economic conditions. Let’s give him the benefit of the doubt and say he can get the high side of his projections of 4%. I showed him how we could engineer a policy that when he retired and based on the current economic conditions, it would send off about 6% per year. There were a couple of big differences though. The 6% he would get from his whole life policy would be tax-free. Whereas the 4% from the advisor’s plan would still have to be taxed, which in the dentist’s tax bracket, it would net him about 2.5%. Then there were those fees. The advisor explained that because it was fixed bond account, he would reduce his fees to ½ a percent per year once the account got to $500,000. In the first years while it was building up, the fee was 1.5%. So, after fees and taxes, and assuming he still had 1 million dollars at retirement, he’d net 2% income retirement time. So, the dentist would have a million dollars invested over the 10 years and at retirement he wanted to keep the principal in-tact and essentially take the growth each year to supplement his income. In the advisor’s plan, and doing it the Wall Street way, the dentist would have about $20,000 a year after fees and taxes to spend. What was kind of frustrating is the advisor showed him 4% coming from his account. He just the deduction for his taxes and fees – which is no small thing. So, the dentist thought he was going to get $40,000 per year. Then I had to point out to him that he would only net $20,000 per year to spend. On the other side was a solid whole life policy that I designed more for cash value and income rather than death benefit. I first showed him no growth on his million dollars. In other words, he’d save 100,000 a year and have exactly 1 million in 10 years. Obviously, that is not the case, but it made my point that the income stream can be more important than the return while building up. So, in 10 years, he would be able to take out around $60,000, per year and because there would be no tax – if we handle it right - he would get to spend $60,000. almost triple the spendable income from what he would get with the advisor’s portfolio. Couple of other issues. He would bear all the interest rate risk with the bonds. That means if interest rates were to go up, then his bond values would go down and vice versa. -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 5647 Wise Money Tools
Proven Biblical Money Principles - Dave Ramsey
 
38:50
Proven Biblical Money Principles - Dave Ramsey Live Like No One Else - Part 4 (Skip to the message at 0:44) www.seacoast.org 1. LIVE ON A WRITTEN BUDGET For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it? Luke 14:28 2. AVOID DEBT The rich rule over the poor and the borrower is slave to the lender. Proverbs 22:7 3. FOSTER HIGH-QUALITY RELATIONSHIPS Do not be deceived: evil company corrupts good habits. 1 Corinthians 15:33 4. SAVE AND INVEST In the house of the wise are stores of choice food and oil. Proverbs 21:20 5. BE INCREDIBLY GENEROUS ... for God loves a cheerful giver. 2 Corinthians 9:7
Views: 566135 Seacoast Church
Safe Investing - Whole Life Insurance as an Investment - Part 1
 
06:53
Why use whole life insurance as an investment? In our Whole Life Insurance series we will look at whole life insurance explained, as an investment tool, and why so many individuals, from the average worker saving for retirement to the wealthy running multi-million dollar corporations, are using whole life insurance as an investment tool. What makes this work so well? Whole life insurance cash value grows inside a policy with some major benefits. Competitive growth, no-loss provisions, and tax-advantages that you won't find anywhere else. It's not rocket science, and it's by no means perfect, but compared to risky investments, and other safe investment tools, whole life insurance makes one of the best investment options today. --- In this short 2 part series, I’m going to give you some thoughts and reasons why so many people use whole life as a strong foundational asset. For this video, we’re not going to talk about that in depth about the death benefit, we’ll save that for another time. Suffice it to say of the most incredible benefits, there is no better asset in the world to die with than life insurance. If designed right, it will pay out much more than you put in. The death benefit will go directly to your beneficiary, without probate, and will be income tax free. That is reason enough for many and to assure your family is protected and to pass assets to your heirs But there is so much more. You know, coming from the Wall Street side of things where I worked more with investments for 15 years, I learned for Wall Street, it’s all about putting money at risk, chasing rate of return, and often losing, and then charging fees, fees, fees. I see over the years how the game is rigged against the ordinary investor. Let me tell you one truth- Those on Wall Street are no smarter than you. The only difference they have is they have a license to sell securities. Here’s the thing though, you don’t have to have a license to be an intelligent investor. A license or a title does not make advisors investment geniuses and for the most part they have no clue either. They guess, hope, and cross their fingers too. Most advisors and their clients are not investors, they are gamblers. There is a difference - I talk about that important difference in another video – are you an investor or a gambler? There are a few tale, tale signs if your broker or advisor is an out of the box thinker or just another in the sea of advisors where you can’t tell one from the other. One tale, tale sign is if the answer they come up for your financial woes is to buy mutual funds? -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 3636 Wise Money Tools
401(k) Plan Governance 1
 
04:46
Today, I am going to discuss plan governance, and more specifically the legal element of plan governance; what you need to know about the various roles and responsibilities plan sponsors are obligated to when 401(k) plans are established in their companies. ERISA (the Employee Retirement Income Security Act of 1974) is the body of federal law that governs how company sponsored plans need to be operated. ERISA stipulates responsibilities and liabilities for fiduciaries and today I want to create context and give you an overview of just what those responsibilities and liabilities actually are. First I think it’s appropriate to discuss WHAT a fiduciary is and WHO is a fiduciary. A common definition of fiduciary is a person to whom property or power is entrusted for the benefit of another. So as regards 401k plans a fiduciary is a person entrusted with and responsible for plan assets that are for the benefit of employees participating in the plan. So fiduciaries have important responsibilities and are subject to certain standards of conduct because they act on behalf of plan participants. Now as to who is a fiduciary? ERISA defines “fiduciary” not in terms of formal title but rather by function. By function is meant any individual inside the company who has any discretionary authority or discretionary responsibility in the operation of the plan. The common activities that give rise to fiduciary status include: • Appointing other plan fiduciaries… such as committee members; • Selecting and monitoring plan investment vehicles; • Selecting and monitoring third party service providers such as recordkeepers or advisors; • Interpreting plan provisions…such as eligibility of a new employee; and • Exercising discretion in denying or approving benefit claims…loans or hardship withdrawals. If your job duties include any of the above then it is highly likely you are a plan fiduciary and as such have three distinct duties; Those duties are • To operate the plan in accordance with the plan documents (unless inconsistent with ERISA). • Acting solely in the interest of plan participants and their beneficiaries and with the exclusive purpose of providing benefits to them. This is called the Duty of Loyalty. Any form of self-dealing is clear breach of duty of undivided loyalty. A common breach of Loyalty could be a company using a bank for recordkeeping and/or investment advice solely to get better terms on a loan the sponsor is making. • Carry out their duties prudently (commonly called the Prudence Standard). The Prudence Standard mandates a fiduciary must act “with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent man acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims.” Key to the Prudence Standard is good intentions are not sufficient. Expertise is required. This lack of expertise – particularly regarding plan investments is almost always at the core of lawsuits filed against plan sponsors by disgruntled participants. Failure to operate a plan in accordance with these duties can lead to a fiduciary breach. ERISA is particularly tough about breaches and stipulates a fiduciary’s personal assets can be seized in order to satisfy a breach. David, I feel I need a sentence here to complete/transition this thought to the next paragraph. The single greatest protection against breaches is a clearly identifiable, repeatable process to monitor investments and service providers and to benchmark fees. Additionally, and we recommend this, fiduciary liability insurance is available in most commercial insurance offerings. Hopefully this has given you a greater awareness of just what fiduciaries are obligated to. In our next video we will describe how plan governance can be a tool to positively impact the results in your plan and hopefully company profitability. If you have any questions about what I have described here just send them to answers@transform401k.com. Thanks! This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Vision Point Advisory Group, LLC, a registered investment advisor. Vision Point and Vision Point Advisory Group are separate entities from LPL Financial. Vision Point Advisory Group 5001 Spring Valley Road, Suite 200W Dallas, TX 75244 For Plan Sponsor Use Only – Not for Use with Participants or the General Public.
Views: 13 Mike Romig
Beating the Tax Man - Financial Planning for Retirement - Retirement Tax Planning Advice
 
15:11
Planning for retirement tax can be a nightmare. The reality is, many of those planning for retirement don't even prepare for the massive taxes that could be coming their way. Personally, I advise most of my clients to lower taxable accounts and put money in tax free retirement plans, but this isn't always the easiest or the best decision for everyone. Let's look at some ways we can beat the tax man when it comes to retirement. ------- [Intro] 00:00:32 Hi everyone! Glad you could join us today. We’ve got kind of a podcast/videocast going on and glad to have you with me. Tomorrow, so see this is going to come out on Wealthy and Wise Wednesday, the day before Thanksgiving, is when we’re recording. So tomorrow is Thanksgiving. I hope you have a really good one. I hope you’ve got a lot to be thankful for and I hope you have family and friends around you to enjoy the day. So happy Thanksgiving to you. 00:01:12 Now, on a depressing thought, no just kidding. I am going to talk a little bit about why I think the IRS will likely win. Just from the title alone, you probably agree with me. But have you ever played a game where you just knew the odds were stacked against you? 00:01:33 One of the first things that comes to mind is the slot machines in Vegas. Every once in a while there’s a winner, right? But for the rest of those who try, they can just watch their money go bye-bye as they pull on that lever. But do you think that Vegas set out to say, “Hey! Let’s set up some slot machines and let’s rig it so that we lose. And that all those who pull down that one-armed bandit is going to win.” Well, I don’t think so, and I’m sure you don’t either. 00:02:07 So I often wonder if the IRS sets up systems where they rig it in order for them to lose. Do you think that’s going to happen? Yeah, I don’t think that’s going to happen either. They know the odds. They know what’s going on. They have the statistics. They have the data backing up. And they know what’s in their favor. And so, I want to talk a little bit about this when it comes to retirement plans. 00:02:38 Retirement plans do this really unique thing called defer your taxes. Another word for defer that I like to use is called postpone. That’s a little bit more realistic visually. Deferred, I don’t know, it just seems like that’s not quite as impactful. But when you just postpone your tax, it gives you the feeling that you’re going to be paying that at some point. 00:03:06 And when it comes to a 401(k) in particular, I will quote the 401(k) retirement gain, you always have a silent partner. And you know who that silent partner is? Yes. It’s Uncle Sam Johnny IRS, right? They are always your partner. Anytime you postpone or defer taxes, what you’ve done is take in the amount of money that you would normally send to the IRS that year and you mingle it or comingle it with your money in the same account. 00:03:41 Oftentimes, you see somebody with… let’s just say they got a million dollars in their retirement account and I’ll say, “Wow! You’ve got about $700,000 in your retirement account.” And they’ll say, “No! I’ve got a million dollars.” I say, “Well, actually you don’t because you’ve got a silent partner in there. And at some point that silent partner is going to want their share. And in your case, at a 30% tax bracket, that means you’re going to give up $300,000 at some point some time when you start taking distributions.” 00:04:17 So really the only way to win in retirement plan is this…are you ready? Here’s the secret. The only way to win—you have to put your money in or defer or postpone your tax at a higher tax bracket than when you take it out. That’s it. That’s the only way to win. -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 33 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 753 Wise Money Tools
Earn 50000 Per Month After One time Invest 90 Lakh || Best Investment Plan
 
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ONLY FOR WHATSUP 9315393283 आप इस पर Request भेज सकते हो जीवन लाभ को यहाँ देखे LIC JEEVAN LABH 836 FULL VIDEO https://youtu.be/RlchMqCm1ns आप को LIC के सभी प्लान्स की जानकारी इस विडियो में दी जा रही है आप उनके लिंक निचे भी देख सकते हो फिर भी कुछ और जानना हो तों lic के विकास अधिकारी या lic एजेंट से संपर्क करे या मुझे कमेन्ट करे प्लीज शेयर और सब्सक्राइब जरूर करे https://www.youtube.com/channel/UCk4CMWft_ZE-RC7EVLOOEAg/featured?sub_confirmation=1 जीवन लक्ष्य पालिसी टेबल 833https://youtu.be/wqB2OqdSE4Q?sub_confirmation=1 LIC COMBINATION PLAN 6 https://youtu.be/soRoxChoaoA LIC WARN CUSTOMERS...https://youtu.be/zN4yNWn_Yc4 HOW TO PAY LIC PREMIUM ONLINE https://youtu.be/5y4JxUyshsU HOW TO LINK LIC POLICY WITH AADHAAR CARD AND PAN CARD https://youtu.be/NAQf6AYpSU8 HOW TO SAVE INCOME TAX 80C 80D WITH LIC PPF MF https://youtu.be/g8QJxig_UNU LIC CANCER POLICY 905 https://youtu.be/IX7rAPeifHU DEATH CLAIM RATIO LIC VS PRIVATE COMPANIES https://youtu.be/wmbHhIFbBXw दुनिया की सबसे बड़ी पालिसी https://youtu.be/dsaSjNUiOnw LIC COMBINATION PLAN - 5 JEEVAN SIKSHA POLICY https://youtu.be/rolzdrnezdo LIC COMBINATION -4 JEEVAN LABH SPECIAL https://youtu.be/bIaUPH_zM44 LIC COMBINATION -3 MARRIAGE AND PENSION PLAN https://youtu.be/3N1Tnn8PkK4 LIC COMBINATION -2 JEEVAN HAMSAFAR JEEVAN SATHI https://youtu.be/w5xPKY3UxCs LIC COMBINATION -1 DIWALI DAMAKA JEEVAN ANAND COMBINATION सबसे ज्यादा फेमस कॉम्बिनेशन https://youtu.be/Rt20ROQa_aM LIC JEEVAN TARUN VS SUKANYA SAMRIDHI YOJANA https://youtu.be/cVfnuws_dOE LIC AADHAAR SHILA 844 DEATH AND MATURITY BENEFITS https://youtu.be/tNYWI2W26yA AADHAAR SHILA 844 BASIC INFORMATION https://youtu.be/s6BShko0RuI LIC SINGLE PREMIUM 817 DEATH AND MATURITY BENEFITS https://youtu.be/0gMYoSL7nms LIC SINGLE PREMIUM 817 BASIC INFORMATION https://youtu.be/G19_ZqF29BU LIC AADHAAR STAMB 843 FULL DETAILS MATURITY BENEFITS https://youtu.be/35AKS6pg8_k AADHAAR STAMB 843 BASIC INFORMATION https://youtu.be/VxeXpQPmkSc HOW TO FILL NEFT FOR MONEY BACK AND MATURITY https://youtu.be/xr-ec6JGvOg LIC JEEVAN ANAND 815 DEATH AND MATURITY BENEFITS https://youtu.be/Dl3bcQfiu28 LIC JEEVAN TARUN 834 MATURITY BENEFITS WITH EXAMPLE https://youtu.be/kNIYhuthPH0 LIC JEEVAN TARUN 834 BASIC INFORMATION https://youtu.be/P3sRJcn7QPw LIC MONEY BACK POLICY 821 https://youtu.be/GRHHQDkpmec कन्यादान पालिसी लेने से पहले जाने इन 10 बातों को https://youtu.be/BxV_5RjhlCg LIC JEEVAN UMANG MATURITY AND DEATH BENEFITS https://youtu.be/4Qs7HzzUm9Y LIC JEEVAN UMANG 845 BASIC INFORMATIONS https://youtu.be/vt6KC8lQVWA LIC JEEVAN UMANG 845 FULL DETAILS https://youtu.be/BnlX1BLx52Y PRADHAN MANTRI VAYA VANDANA YOJANA https://youtu.be/kOBeE3wGxGg LIC JEEVAN UTKARSH 846 FULL DETAILS https://youtu.be/FoGsBHCJkpE HOW TO CALCULATE LIC BONUS AND MATURITY https://youtu.be/LyFQ6v_Xgok LIC JEEVAN AKSHAY VI 189 https://youtu.be/8USx1hUtess LIC AADHAAR SHILA 844 ONLY FOR WOMEN https://youtu.be/-I-pQxuyyDA LIC AADHAAR STAMB 843 ONLY FOR MEN https://youtu.be/jIP93aqBAKM LIC KANYADAAN POLICY https://youtu.be/bNJUx4zYer8 HOW TO CALCULATE LIC PREMIUM https://youtu.be/PHGIiOz7HNw HOW TO CALCULATE LIC MATURITY LATE FEE https://youtu.be/UNFqLfg0fTk LIC JEEVAN ANAND 815 BASIC INFORMATION https://youtu.be/T-MZDtfbX3Y LIC MONEY BACK PLAN 820 https://youtu.be/p2oQEYIXixU LIC JEEVAN PRAGATI 838 https://youtu.be/TOn1k7VwGPE LIC LIMITED PREMIUM POLICY 830 https://youtu.be/rs_AhvSQoI8 NEW BIMA BACHAT 816/ FIXED DEPOSIT https://youtu.be/yhI9od7o5aQ LIC AMULAYA JEEVAN TERM PLAN 823 https://youtu.be/Pz2RBXFYnRo LIC CHILDREN MONEY BACK PLAN 832 https://youtu.be/qNvlvJ0zHKw LIC JEEVAN LABH 836 FULL VIDEO https://youtu.be/RlchMqCm1ns LIC JEEVAN LABH 836 BASIC INFORMATION SORT VIDEO https://youtu.be/k01hjrhnTsg LIC ENDOWMENT 814 FULL VIDEO https://youtu.be/MWQTTqUWoWs LIC ENDOWMENT 814 BASIC INFORMATION SORT VIDEO https://youtu.be/4GT2vOI5hPA LIC ANMOL JEEVAN 822 TERM PLAN
Views: 110882 INSURANCE CUSTOMER CARE
HDFC Prudence Fund - MD | Second Monthly Income | Tax Free Monthly Income in India
 
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HDFC Prudence Fund - Monthly Dividend can be good source of Second Monthly Income and Tax Free Monthly Income in India. Monthly Dividend Balanced funds are good investment options for people looking for second monthly income or people who are looking for tax free income from investment.
Mark Cuban explains why a 401(k) is a no-brainer
 
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Billionaire entrepreneur and "Shark Tank" co-host Mark Cuban stopped by the office to talk about a number of topics. In this video he tells us why investing in a 401(k) is both easy and wise. Mark Cuban is the creator of Cyber Dust, a private messaging app. His user name is +blogmaverick. -------------------------------------------------- Follow BI Video on Twitter: http://bit.ly/1oS68Zs Follow BI Video On Facebook: http://on.fb.me/1bkB8qg Read more: http://www.businessinsider.com/ -------------------------------------------------- Business Insider is the fastest growing business news site in the US. Our mission: to tell you all you need to know about the big world around you. The BI Video team focuses on technology, strategy and science with an emphasis on unique storytelling and data that appeals to the next generation of leaders – the digital generation.
Views: 240400 Business Insider
How to get monthly Income from Mutual funds I SWP ( Systematic Withdrawal Plan ) from Mutual fund
 
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#SWPMutualFund #SWPCalculator #Retirement Planning This video gives complete detail about how to take monthly income from MUtual Fund. Various technicalities, tips, taxation of income through SWP and calculations also given. quick links to calculate and understand swp from mutual funds: https://www.sbimf.com/en-us/financial-planning-calculators/swp-calculator https://www.icicipruamc.com/stp-mutual-fund-calculator.aspx https://www.advisorkhoj.com/mutual-funds-research/mutual-fund-swp-investment-calculator This Channel is promoted by a Certified Financial Planner. Disclaimer: Although we take care of every single aspect towards the content of our videos, however in any case, the maker of this video will not be held liable for any change in any information and not up to date information provided. our website : http://bestinvestindia.com/ Linked in :https://www.linkedin.com/in/best-inve... https://www.facebook.com/BestInvestIndia Magic of Rs 500 II Power of compounding can do wonders हिंदी में https://www.youtube.com/edit?o=U&video_id=ylhcWvddJf4 Benefits of Investing in Mutual Funds https://www.youtube.com/edit?o=U&vide... What are Mutual Funds https://www.youtube.com/watch?v=-cul-... Pradhan Mantri vaya vandana Yojana https://www.youtube.com/watch?v=EuBs6... ELSS Mutual Fund क्या है ? क्या जानना जरुरी है invest करने से पहले https://www.youtube.com/watch?v=syavt.. National Pension System / NPS in Hindi, जानिए NPS क्या है हिंदी में https://www.youtube.com/watch?v=W5gQm... What is PPF Account/New Rules 2017 in Hindi/ Use PPF for Regular Income After Maturity https://www.youtube.com/watch?v=HK_vg.. . Sukanya Samriddhi Account 2017 : Calculator https://www.youtube.com/edit?o=U&video_id=jEafs9nHlSU National Saving certificate 2017 in 2 min https://www.youtube.com/edit?o=U&video_id=e8MdssabNXM SENIOR CITIZEN SAVING SCHEME https://www.youtube.com/edit?o=U&video_id=mMkieLR3XMI Save Tax & Grow wealth/ All tax saving (u/s 80C ) in India https://www.youtube.com/edit?o=U&video_id=THI4l_ndozQ Top 10 reasons why should we do financial planning/ Freedom from Financial worries in Hindi https://www.youtube.com/watch?v=HqeaVPssyyc Difference between Investment and Savings https://www.youtube.com/edit?o=U&video_id=ZFDqY2cq9Xw
Earn 10,000 Income Every Month after 1 Time Investment, LIC Pradhan Mantri Vaya Vandana Yojana PMVVY
 
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Hey Guys, Today in this video I am going to explain you 'Pradhan Mantri Vaya Vandana Yojana' under which any person above 60 years age can invest his money for 1 Time and Earn Income of 10,000 for 10 Years and there after gets his whole money Back. Do Share your Views on This Scheme and Don't Forget to Subscribe us here - https://www.youtube.com/channel/UCKtfMhIwZOD8bXygXg-rREw
Views: 819394 Khabree Laal
$5500 per year to tax-free Millionaire: Why you need a Roth IRA
 
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This is one of those things I wished I would’ve learned and had done when I was younger - open up a Roth IRA retirement account. And because it saves you from paying taxes on your earnings and profits later on, I’m all about it. So this is what a Roth IRA is and this is why it’s so important to have one! Click “SHOW MORE” to read my full thoughts. Also feel free to add me on Snapchat / Instagram: GPStephan So here’s what it is - and because this confused me when I was younger, I’ll break it down as simple as possible. A Roth IRA is a type of investment account that you can set up where you invest your money today - up to $5500 per year with no immediate tax deductions - and can pull out your profits and earnings tax free when you’re 59.5. That means you pay NO TAX on YEARS of compounded interest and earnings. Your tax free profits just makes you MORE tax free profits. And it snowballs into a LOT of money. This is best done when you’re young for a few reasons…the money you invest in a Roth IRA is done post tax, which means taxes are already taken out of the money that you earn at the time you invest it. So if you make $20,000 from a job, you might be left with only $17,000 after paying taxes…so this $17,000 is now “post tax” money. The reason is best when you’re young is that chances are, you’re not earning a ton of money compared to what you WILL be earning. When you’re earning a lot of money, it’s about reducing what you owe in taxes because the more money you make, the more money you’re generally taxed. When you’re not earning a lot of money, you’re already in a lower tax bracket, so it’s advantageous to take advantage of that and pay the taxes now to invest - because in the future, you’ll hopefully earn a lot more money. Especially if you’re 18-30 and not earning a lot of money, this is PERFECT for you. When you start earning more money, there are other accounts that might make more sense for your situation. So here’s what I would do: If you’re under the age of 18 and have a job that you’re making money with, you can ask your parents to open a Roth IRA account for you. From there, you contribute money you’re making from your job - keep in mind you cannot contribute more than you earn, so if you earn $1000 that year, you can only contribute $1000. If you’re over the age of 18, right after this video is done, just go online and sign up for a Roth IRA. I use Vanguard and they’re awesome, many people use Charles Schwab or Fidelity - just make sure the account has low fees. You can contribute up to $5500 of earned income every year - if you make too much money, you can look into doing a backdoor Roth IRA contribution. I recommend putting in as much as you can afford and forgetting about it. The advantage is that since there’s compounded interest, the sooner you put your money in, on average, the more you’ll have by the time you retire. Is this a boring investment strategy? Yes. But it’s effective. I recommend just doing this on the side with what you can afford, while continuing to invest elsewhere or investing in yourself. Just to give you some ideas, if you invest $1000 per year at 18 and retire at 60, you’ll have $264,000…of that, you only contributed $43,000 over 42 years, meaning you just made $221,000 of tax free money. If you invest $2000 per year at 18, same situation as above, you’ll have invested $86,000 and made $444,000 of tax free money. If you invest the maximum right now of $5500 per year at 18 years old, you’ll have invested $231,000 and made over $1,200,000 in tax free money. If you just do $5500 per year at 18 years old, you can retire a millionaire without doing anything else. This average figure includes inflation, by the way. I hope this video helps and that this sets you up for future financial independence. Add me on Snapchat: GPStephan Add me on Instagram: GPstephan For business inquiries, you can reach me at GrahamStephanBusiness@gmail.com Suggested reading: The Millionaire Real Estate Agent: http://goo.gl/TPTSVC Your money or your life: https://goo.gl/fmlaJR The Millionaire Real Estate Investor: https://goo.gl/sV9xtl How to Win Friends and Influence People: https://goo.gl/1f3Meq Think and grow rich: https://goo.gl/SSKlyu Awaken the giant within: https://goo.gl/niIAEI The Book on Rental Property Investing: https://goo.gl/qtJqFq
Views: 426966 Graham Stephan
Should I Use Fee Based Financial Planning? – Are They Really Unbiased? – Retirement Planning
 
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Is fee based financial planning really an unbiased way to find solid retirement planning advice? We look deeper into the world of fee based planners and why Wall Street pushes so hard for you to use a fee based planner. It's important to understand that if you are going to be leaving your life in the hands of a financial planner what kind of advice are they going to be giving you? Are they biased? Are they pushing you in the right direction because they are an expert or are they doing it for the commissions? Here we cover why fee based planners work the way they do. "There has been a lot of talk surrounding Fee Based Financial Advisors. The question is simply is it better to pay a fee for you advice and an ongoing management fee for managing your money. That’s is a loaded question. Let me say this from the outset. I’m not recommending you change or do anything differently. I am NOT a fee-based advisor. Also, please, in our discussion here don’t take any of this as a recommendation to buy/sell any of your securities or mutual funds. My objective here is for you to see the forest for the trees. There is a lot of noise out there and I want to tune your hearing just a little bit. There is a huge push by Wall Street to make everything you do fee based. There are new laws being pushed through as we speak that want to make fee based planning mandatory. Look, there is only one reason for this. It’s a huge moneymaker and Wall Street keeps your money under its control and builds in an income stream for the advisors! Now, another disclaimer. You may have found the needle in the haystack, the Holy Grail, the one in a million advisor who actually does well for you. The reason I say that is just because someone charges you a fee doesn’t mean he or she knows any more than the other guy and may not even know as much as you. Most of Wall Street is speculation and guessing anyway. They simply have a license to charge fees, that’s it….end of story. So lets get right down to the nitty-gritty here. There really are only two reasons to pay a fee-based advisor. 1. They outperform the market. When I say market I’m talking about an INDEX. You may want to know what index your advisor is broadly compared with. Is he/she being compared to the S&P 500, which is the most common for stock funds or another index? Let’s get back to this in a second. 2. The second reason you may want to pay them is that they lose less money or hopefully no money when the markets turn down or crash. They somehow have a way to take your money out of harms way when markets tank. Okay, we’ve got to really understand this for it to make sense. Most money managers are compared to the S&P 500 Index. It’s the broadest index encompassing 500 stock companies. It’s the index that most stock mutual funds and money managers are compared to as well. In reality it’s hard for active fund management to beat the index. In fact, in an article I found written back in March of 2015 in the Washington Post – titled: Do any mutual funds ever beat the market? Hardly. – Let me quote it. A study by S&P Dow Jones Indices looked at 2,862 actively managed, domestic stock mutual funds and pulled out the ones that were top performers in the 12 months starting March 2009, when the market bottomed out and the bull market began. ….so from 2009…. It then looked at which of those funds stayed in the top 25 percent for four years, through March 2014. Just two funds managed to hold on to their berths in the top quarter every year for five years running. And for the 2,862 funds as a whole, that record is even a little worse than you would have expected from random chance alone. ... -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 1738 Wise Money Tools
Pradhan Mantari Vaya Vandana Yojana (PMVVY) Senior Citizen Plan No.842 in Hindi
 
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Senior Citizens के आए अच्छे दिन, Modi Govt. ने दिया Pension Scheme का तोहफा https://goo.gl/MRfD42 Government of India has announced Pradhan Mantri Vaya Vandana Yojana for citizen age 60 years and above. LIC of India has been given the sole privilege to operate this scheme. The Pradhan Mantri Vaya Vandana Yojana has been launched on 4th May 2017.The scheme shall be available for one year from date of launch. Plan No. 842 This scheme can be purchased offline as well as online. To Purchase this scheme online please log on to our website www.licindia.in. Benefits : Pension Payment : On survival of the Pensioner during the policy term of 10 years, pension in arrears (at the end of each period as per mode chosen) shall be payable.Death Benefit: On death of the Pensioner during the policy term of 10 years, the Purchase Price shall be refunded to beneficiary.Maturity Benefit: On survival of the pensioner to the end of the policy term of 10 years, Purchase price along with final pension installment shall be payable.Eligibility Conditions and Other Restrictions: Minimum Entry Age: 60 years (completed)Maximum Entry Age: No limit Policy Term : 10 years Minimum Pension: Rs. 1,000/- per month LIC or Life Insurance Corporation operates the government's 8 per cent pension scheme for senior citizens, called Pradhan Mantri Vaya Vandana Yojana (PMVVY). The senior citizen pension scheme is currently open for subscription. At a time when interest rate across the financial system are on a decline, PMVVY offers senior citizens guaranteed 8 per cent interest rate for 10 years. Under PMVVY, pension is payable as per the frequency chosen by the subscriber - monthly/quarterly/half-yearly/yearly - during the policy tenure of 10 years. To earn pension in the monthly mode, the minimum amount investment amount is Rs. 1.5 lakh which will earn a pension of Rs. 1,000 per month. The maximum investment allowed is Rs. 7.5 lakh which will earn Rs.5,000 pension per month. Rs. 3,000/- per quarter Rs.6,000/- per half-year Rs.12,000/- per year Maximum Pension: Rs. 5,000/- per month Rs. 15,000/- per quarter Rs. 30,000/- per half-year Rs. 60,000/- per year Ceiling of maximum pension is for a family as a whole i.e. total amount of pension under all the policies allowed to a family under this plan shall not exceed the maximum pension limit. The family for this purpose will comprise of pensioner, his/her spouse and dependants. ❤Ask Your Tech Problems here #Zedtech ❤ Follow on Face Book Page: https://www.facebook.com/ZedTechHindi __________________________________________ STATE BANK में ACCOUNT है तो आपके लिए है खुशखबरी: FREE | How to Protect Your Bank Account & ATM 🏦 https://www.youtube.com/watch?v=yZNqndnJL_w Modi Sarkar नाजायज Property Par Har Mukhbir Ko 1 Crore रुपए Dengi | अब जल्दी बचाओ अपनी Property को https://www.youtube.com/watch?v=lsZzcn1lWQU Narendra Modi की Income कितनी है तमाम मुल्को के PM के मुक़ाबले | 2019 Election Modi Sarkar कैसे? https://www.youtube.com/watch?v=6ik6ERGtmDI Modi ji Ke मंत्रियों की income और Modi ji Ki income | Narendra Modi Total wealth worth Rupees https://www.youtube.com/watch?v=HPjdPln67R0 Jan Dhan ATM Card Yojana मिलेगा सबको 5 लाख से 10 लाख Valid For All Bank Atm Card Holders 💳 https://www.youtube.com/watch?v=ieIqR4yFRNw जल्दी करलो ये काम नहीं तो हो जायगा बड़ा नुकसान | Aadhaar Card and PAN Card से अब क्या हो सकता है 💳 https://www.youtube.com/watch?v=Q5HdIkY136I 2000 रुपये का नोट होगा बंद | 2000 Rupees note Ban, RBI plan to ban 2000 rs note | New print 200 note https://www.youtube.com/watch?v=bJjZLJFOD8M Thanks For Watching ❤ Qamar
Views: 44194 ZedTech
Investing Insights: Retirement Spending and Hidden Gems
 
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Our analysts look at oil prices, moat upgrades, and passive sustainable investing on this week's episode. For all Morningstar videos: http://www.morningstar.com/articles/archive/467/us-videos.html
Views: 815 Morningstar, Inc.
SBI PPF Account 2018 Hindi ( Public Provident Fund PPF in SBI )
 
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Public Provident Fund Best Saving Scheme In India. NOTE :- SBI PPF में 50 हजार रूपए प्रति वर्ष जमा करने पर 15 वर्षो में Return बनता हे 14.16 लाख 7.6% * इंटरेस्ट रेट के हिसाब से (As Per Financial Calculator ) ( PPF Scheme में Rate of Interest Govt. के द्वारा बढ़ाया या घटाया जा सकता हे ) Hello Friends In This video we will show you SBI PPF Account Full Detail With Terms and condition and what is the benefits of sbi ppf scheme Friends First of All what is PPF account PPF account full form is Public Provident Fund PPF account can be open in SBI, Post Office , HDFC Bank and some more nationalized Banks with simple KYC Documents SBI PPF account is one of the best saving scheme in India. One can invest in PPF Account by minimum 500 Rs and Maximum 150000/- Rs in one financial year In one month SBI PPF allowed two deposit transaction and in one financial year ppf scheme allow 12 Deposit transaction Locking period of sbi ppf plan is 15 Year, No withdrawal allow before 15 year* One more important benefit of SBI PPF or Posit office PPF account is Tax Benefit One can take tax benefit in this ppf plan under section 80( C )and at the time of maturity there is no tax deduction Means maturity amount is fully tax free Loan Facility is also available after 3 year in sbi public provident fund scheme . PPF Plan 2018 can be taken on minors name also this scheme is allow for minor and major both. Presently Rate of interest is 7.8% which revised in every 3 Month There is compound interest Benefit is also in this plan SBI PPF Account will give you very good saving and Returns without any risk Thanks
Views: 4572789 Online Support Raj
Financial Advisor Told Me To Invest Instead Of Paying Debt
 
05:56
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 246636 The Dave Ramsey Show
government bond explained | government schemes 2018 | What are bonds | latest bonds
 
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Hello friends in this video we will see latest bonds from government. The government has announced the launch of 7.75% Savings (Taxable) Bonds, 2018, which will open for subscription from January 10, 2018. The bonds will have a maturity of seven years. ---------------------------------------------------------------------------------------------------- Share, Support, Subscribe!!! Subscribe: https://goo.gl/yNw13g Youtube: http://www.youtube.com/c/Finbaba Twitter: http://www.twitter.com/finbabaIndia Facebook: http://www.facebook.com/finbabaIndia Instagram: http://instagram.com/finbabaIndia ----------------------------------------------------------------------------------------------------- Subscribe Our Channel click Here for Latest Video https://goo.gl/yNw13g ----------------------------------------------------------------------------------------------------- Related Videos : Save Tax under section 80C : https://youtu.be/y5Sat6TcJHs Mutual funds : https://youtu.be/-gP4HfMCeBQ Gold ETFS :https://youtu.be/EPjiho6m1XI Arbitrage fund : https://youtu.be/3oyryG22H4I How to find stop loss : https://youtu.be/jZugeeEVSP0 FCNR account : https://youtu.be/G4GFoQFy_RI Stock Market Tax : https://youtu.be/hcYDeXEW6eY Stock Split : https://youtu.be/NQpW2oBemyk How to Buy Share Onlie https://youtu.be/g8Eb1LVNXM0 What is Cnadle stick https://youtu.be/-Sjhv7h3IT8 ------------------------------------------------------------------------------------------------------- Open Demat account :https://zerodha.com/open-account?c=ZMPASV ------------------------------------------------------------------------------------------------------- About: FinBaba is a you-tube channel, where you can get Information about Banking, finance, Stock market basic and Advance, Forex, Mutual funds and many more. Thanks For Watching this Video. !
Views: 48870 Fin Baba
Fiduciary Prudence and Portfolio Diversification
 
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Fiduciary expert, Stewart Frank explains some of the perils and safeguards for trustee and plan fiduciaries as it pertains to portfolio diversification and risk. Meeting some lucid criteria can protect fiduciaries from an unintentional breach of duty, which Frank shows is a widespread problem.
Views: 278 Gravity Investments
Pradhanmantri Vaya Vandana Yojana 2018 | Pension Upto Rs10, 000 for Senior Per Month By Modi Govt
 
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Atal Pension Yojana Schemes Link- https://youtu.be/DPcUgFyDekM The finance minister has proposed to extend the Pradhanmantri Vaya Vandana Yojana (PMVVY) scheme till March, 2020. It has also proposed to increase the current investment limit to Rs 15 lakh from the existing limit of Rs 7.5 lakh per senior citizen. The PMVVY is a pension scheme subsidised by the Government of India. The amount of investment made in the scheme is called the 'purchase price'. PMVVY was launched on May 4, 2017, and was initially meant to be available for one year from the launch. Depending on the pension option (monthly, quarterly, yearly), the pension begins as an arrear, i.e., starts from the end of the chosen period. The scheme is for a period of 10 years and is based on the amount of investment. It carries a fixed and assured pension (return) as mentioned in the policy document till the maturity of the scheme. Unlike other pension plans such as Jeevan Akshay, (an immediate annuity scheme of LIC ) the amount of pension in PMVVY is not based on age. The return in PMVVY range from 8 to 8.3 percent depending on the mode of pension that one chooses. Similar to post office monthly income scheme or the senior citizen savings scheme (SCSS), the maximum investment amount (purchase price) and the pension amount that one can get is capped. The limits Currently, the total amount of pension or the purchase price under all the PMVVY policies allowed to a family cannot exceed Rs 60,000 per annum or Rs 7.5 lakh respectively. The family for this purpose will comprise of the pensioner, his or her spouse and dependents. Calculation of pension amount Illustratively, if one invests Rs 5 lakh (purchase price) and opts for a yearly pension, the pension amount will be For every Rs 1,000, it is Rs 83 per annum, therefore for Rs 5 lakh, the pension amount comes to Rs 41,500 annually. So, if one needs a monthly pension of Rs 3,000, one needs to invest Rs 4.5 lakh. On investing the maximum allowed amount of Rs 7.5 lakh, a monthly pension for ten years will be Rs 5,000. On maturity or on death PMVVY has a term of ten years and on surviving the date of maturity, the purchase price along with the final pension installment is refunded to the individual. On death during the policy term of 10 years, only the purchase price is refunded to the beneficiary. Early exit In case the investor needs money for the treatment of any critical or a terminal illness of self or spouse, the exit is allowed and in that case the 98 percent of Purchase Price will be refunded.
Views: 191736 Digital Tutorial
Real Stories: Meet Susan | Fidelity
 
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Description Hear Susan's words of wisdom on saving and why every bit can make a difference. ____________________________________________________________ To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ____________________________________________________________ If I had it all to do over again, today, I would be putting the maximum in a 401(k) plan. I will preach to everyone not to do as I did. My name is Susan. I am 68 years old, and I currently reside in Mattapan, Massachusetts. I am retired. I didn’t want to retire. I had been an executive assistant for 29 years. I was laid off sort of suddenly at the age of 66, and that forced me into retirement. It was not a pleasant feeling because after 29 years, you sort of kind of think of that as home. I wasn’t prepared to spread my wings especially at that age. I was not a budget person. I lived off the cuff from paycheck to paycheck, from week to week. It was something I didn’t like to do, but I did it. There was a 401(k) plan at my job. And I did partake of it, but I partook of it too often. And I took early withdrawals. I was going to live forever, and I had no rhyme or reason of having to plan for the future. When the future became the present I had to dig in my heels, and reinvent myself. I had to be more prudent in anything and everything that I do. Prior to my collecting Social Security, I researched how much I would be getting, weighed it against my expenses, and figured out that I could do it. Extremely tight, but that was through my own making. I’ve struggled, I’ve struggled a lot. Because of my limited income, I try very hard to minimize credit card use, and to maximize whatever savings—by any means necessary—that I can. The main way I supplement my income is by thrifting. I go into various thrift shops and find what I consider to be a bargain. I purchase things I sell online. Thrifting has become a way of life with me. Not only has it become profitable for me but it’s a lot of fun. It’s become more than a hobby. This is gorgeous. To this day, I regret my previous decisions. There’s always, even at my age, there’s always time to save. Don’t live completely for this day. There is a future. Put away for that, for that tomorrow. • Social Security may not be enough to cover your essential expenses in retirement. • It’s not too late; every bit you save can make a difference. • You might not be able to work as long as you anticipate; be ready for the unexpected. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 740201.4.0
Views: 2702 Fidelity Investments
25. What is Income Investing
 
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Download Preston's 1 page checklist for finding great stock picks: http://buffettsbooks.com/checklist Preston Pysh is the #1 selling Amazon author of two books on Warren Buffett. The books can be found at the following location: http://www.amazon.com/gp/product/0982967624/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0982967624&linkCode=as2&tag=pypull-20&linkId=EOHYVY7DPUCW3WD4 http://www.amazon.com/gp/product/1939370159/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1939370159&linkCode=as2&tag=pypull-20&linkId=XRE5CA2QJ3I2OWSW In this lesson, students learned the importance of Income Investing. By employing the techniques of income investing, one can prepare themselves properly for retirement. Since income investing is the process of picking stable stocks and bonds that pay decent dividends and coupons, the investor can benefit from the cash flow that's produced by these securities. The first way income investing provides benefits to the investor is through liquidity. Since the investor will continually receive dividends or coupons, they then have the opportunity to reinvest that cash flow into the most undervalued asset each month. This compounding cash flow is truly the essence of investing like Warren Buffett. With an ever increasing cash flow, investors can take advantage of market conditions during spikes and valleys. The second way income investing provides benefits to the investor is during retirement. Since most retirees may need to sell their investments in order to pay their monthly lifestyle expenses, income investing offers an alternative approach. Since the retiree will receive quarterly and semi annual payments from these types of investments, they will continue to have a steady cash flow to meet their lifestyle expenses. Although some retirees may need to pull from the principal, income investing will minimize that withdrawal. In the end, Income Investing creates more cash flow for the individual employing the technique. It's Warren Buffett's opinion that purchasing dividend paying stocks is a very wise decision because of the continued and consistent cash flow that provides liquidity to reinvest your earnings.
Views: 88332 Preston Pysh
5 Best Investment Ideas to Get Regular Monthly Income
 
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Best investment ideas. 5 Best Investment to Get Regular Monthly Income. http://bornforentrepreneurs.com Here is ideas to get monthly income by investing. The best 5 investment ideas are Fixed Deposit in Bank, Dividend from Mutual funds, Dividend from stock market, Buy a Insurance and Invest in Post office. Best investment ideas, best investment firms, best investment plans in india, best investment company, best investment for 2016, best investment in India, best investment in the Philippines, best investment ideas in india. best investment options in India. best return on investment. best investment plans. best investment plans in India 2016. the best investment.
Views: 548881 Born For Entrepreneurs
Renting Vs Owning Your Insurance Policy - Term Vs Whole Life Insurance (as an Investment)
 
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Renting vs Owning your life insurance policy is the best way to describe the term vs whole life insurance debate. Many people are not aware that they can own their whole life insurance policy death benefits in every way that you can own a house. You can draw money from it and you can get to the point where you never have to make a premium payment ever again. In this way whole life insurance offers us the opportunity to own our life insurance policy. This is significant when it comes to retirement, retirement income, and passing money on to our heirs and family at death. On top of this, using a properly structured Infinite Banking policy where we utilize whole life insurance as an investment puts us in a position to have substantial growth on the money inside of our policy on top of all the other advantages. So, is whole life insurance bad? Many people on the radio will tell you that it is. However, when we really look at whole life insurance explained in the right light we can get a better sense of how powerful whole life insurance can be for ourselves, our family, and also why so many wealthy individuals end up buying more life insurance as they get older and not less. In the end, a proper plan and a properly structured high cash value life insurance policy can mean one of the safest and most predictable retirements available. Owning your whole life policy Have you ever thought what it would be like to never own your home? I think most try to live the American Dream of owing a home someday. The main reason is that as you pay into your mortgage there is a hope that you are building equity. At some point you may decide to sell you home and then you get those payments back – or at least a good portion of them. If you rent your entire life, there is no hope to ever recover those rent payments. The day you quit paying rent and move out of the house, all that money is gone, with nothing to show for it but some memories. When it comes to insurance, term, universal life, indexed universal life, and variable universal life have the same characteristic that renting does. You see with all of those policies you are only renting the death benefit– because they all use term insurance. Now let me say at the outset. I think term insurance is vital for most families. It is inexpensive while you are young and if something were to happen to the major breadwinner, term can provide a death benefit for the family and create an instant estate. Insurance instantly provides what has been lost due to a death by the one providing for the family. Having insurance and an adequate amount is extremely important and we will address this in other videos. -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 3301 Wise Money Tools
Why Buying a House is a BAD IDEA! Don't buy a house to live in. Lifestyle Inflation.
 
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Is Buying a House a Good Idea or Bad Idea? What impacts whether buying your own home is a good investment or bad? Is it a good idea to buy a house? You've likely came across the debate over buy vs rent: There are a ton of Buy or Rent Calculators Online - but does that take into consideration all facts? Frequent Arguments for Why You Should Buy a House: -Best Investment Your Parents/Grand Parents ever made -Forced Savings Plan -Quality of Life Arguments for Why You Should Rent Your House: -Flexibility, and Ability to Pivot are much higher -Low overhead, Simpler -Most People don't review all the facts/costs Honestly though - the number one decider is this: Are you conscious of your consumption? Will buying a home result in further lifestyle inflation? Matt McKeever: Facebook: http://www.facebook.com/fieh.ca Instagram: http://www.instagram.com/mattmckeever85 Twitter: https://twitter.com/mattmckeever85 SUBSCRIBE: https://www.youtube.com/channel/UCdRtqnqBSq4GY7DGiYICu5g?sub_confirmation=1 Bigger Pockets: https://www.biggerpockets.com/users/MattMcK Website: http://www.fieh.ca Matt McKeever is a CPA, CA and Real Estate Entrepreneur in London, Ontario. On this YouTube Channel Matt will walk the viewer through how to invest in real estate using such strategies as the BRRRR method while also documenting his personal experience as a real estate investor. Matt began investing in real estate at age 25 by purchasing a student rental near Fanshawe College. In 2016 he's acquired over 25 units. As well on this channel Matt will share his personal monthly spending and discuss the strategies and tactics needed to reach financial independence (retire early) at a young age. We’ll discuss such topics as safe withdrawal rates, how to build passive income streams and how to reduce your personal consumption
Views: 47312 Matt McKeever
10 Common Real Estate Investment Strategies (Ep138)
 
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Investing in property can be a great way to achieve financial freedom or to put a little bit of extra money into your pocket. But when it comes to investing in property there are a lot of different strategies you can use to achieve success. No one particular strategy is THE way to go. You can achieve success through all of these strategies. So today I want to highlight 10 of the common real estate investment strategies that you can consider when it comes to deciding how you want to invest in property . What are they and what are the benefits of each individual strategy and what sort of person do you need to be to go about investing using these particular method? ------------------------------------------- http://onproperty.com.au/138 - View the full transcription and audio version of this episode. http://onproperty.com.au/free - See real positive cash flow property listings
Views: 13067 On Property
Gold Roth IRA Investments | Gold IRA Rollover Options | Gold IRA Investing Accounts
 
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http://goldrothirainvestments.com/regal Gold Roth IRA Investments | Gold IRA Rollover Options | Gold IRA Investing Accounts Investing in gold nowadays is considered by many people as being a wise way to make additional money especially with the uncertainty of the economy. Invariably history has shown that when the economy starts to fluctuate with uncertainty gold always tends to rise in price as many shrewd investors go for the safer option. One way of doing this is to open a gold IRA investment plan as a simple and advantageous way to invest in this gold, or other precious metals if you choose to do diversify. In times of uncertainty all precious metals such as gold, silver and platinum are all very safe bets but gold definitely seems to be the more popular option especially when considering a gold IRA investment. Gold and silver has also been known as a valuable addition to any investors portfolio searching for diversification and long lasting security. Get ready for huge rises in the price of gold if the economy keeps going the way it does. There has never been a better time to invest in gold, silver and any other precious metal and setting up a gold IRA investment is a great way to do it. A strong Case For Investing In Gold Many investors and financial experts provide strong cases why gold could soar over the next few years and some are even saying it could potentially go up to $10,000 an ounce. One thing is for sure it's definitely set to rise further than what is is at the moment if people keep buying it as demand will set the tone. Even though the cost of gold can be volatile during the short-term, history has shown that gold has always held its value throughout the long-term, becoming a protection against the erosion of the buying power of paper money. Gold is an important part of a diverse investment portfolio because its cost increases in response to events that erode the value of traditional paper investments like stocks and bonds. Time To Prepare For A Volatile Future Now that there are so many people seeking to own this physical precious metal, it only seems sensible that they would want to put it into an IRA to help secure themselves for old age. Lot's of retirement plans have had some major downfalls in the last few years, but those people who invested wisely in gold are very happy indeed today, especially those who entered into the gold market early enough. That's not to say that you have missed the boat, on the contrary, things are just starting to heat up. It's hard to find many comments from any influential business men or financial analysts that are saying now is not the time to invest in gold. Many people just don't possess the extra capital required to buy this precious commodity therefore it makes perfect sense to use their retirement money that has already been put away for a rainy day as a great starting block for their gold IRA investment. Self Directed Gold IRA Investment One of the best ways to start a gold IRA investment is to roll it over and turn it into what is recognized as a self-directed gold IRA. You have to do it using this method because your 401k will not permit you to own Physical precious metal, so you hardly have any other choice but to transfer it or do what's commonly termed as a 401k rollover to the particular IRA that permits you to own physical gold within it. You also have the option to transfer your current IRA in to a gold IRA, and the beauty of a self-directed gold IRA is that you aren't restricted to holding only precious metals in that account. In addition to this you get all the great tax benefits that are involved with a gold IRA investment plan. Advantages Of Adding Gold To A Roth IRA This is a very good way to get actual physical gold. One of the biggest benefits is that there is absolutely no storage it's an especially safe and sound way to go about investing in gold without putting any unnecessary risks and worry on yourself. You don't have to worry about transport and storage as this is all taken care of for you. Because you make all the decisions in a self directed IRA investment it makes sense for anyone who has already invested to want to do it. By generating a self-directed gold IRA you are able to invest as much gold and silver that you want to manage from start to finish on your own without messing around and depending on the advice of third parties who may not always have your best interest in mind. For more information on how to convert your money to a Gold Ira Investment go to the website below: http://goldrothirainvestments.com/regal Gold Roth IRA Investments | Gold IRA Rollover Options | Gold IRA Investing Accounts Helpful article:http://www.investingdaily.com/19338/winning-ira-strategies-for-2014/ Article Source: http://EzineArticles.com/7514683 http://www.youtube.com/user/GoldRothIRA http://www.youtube.com/watch?v=T77uP3mGOSY http://www.youtube.com/watch?v=WH_SSFpyKQw http://www.youtube.com/watch?v=5yX1OwQ2wi4
Views: 900 GoldRothIRA