Retirement Investments 101

As a Baby Boomer, Generation Jones, Generation X'er, or Millennial, it is imperative to plan and take action for your future retirement now, not tomorrow. This is achieved by establishing a goal. How large of a nest egg do I need?  To best secure the goal, will the investments be aggressive, conservative, or moderate? Should the risk be low, average or high? You have to decide how much money will be saved and invested for retirement. Will you make investments weekly, bi-weekly, or monthly? The most difficult challenge you will face is perseverance. At times, saving money can be difficult due to health, vacation plans, or other priorities but you must persevere to acquire retirement prosperity. All of these questions, and much more, must be considered in your retirement planning.  As always, the success or failure is in your hands.

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   IRA & Mutual Fund Investments

  Mutual Interest Data Service, Ltd. has analyzed thousands of mutual funds over 17 years to find superior mutual funds. In accomplishing this feat, every year a database of 300 successful mutual funds is analyzed. This year, there are 35 exceptional mutual funds identified as some of the best 24 Equity/Stock mutual funds and 11 Bond funds among the database. Twenty nine of these funds were ranked in the top 10% of the respective investment category. The 2017 year-to-date returns, 5-year returns and income distribution are posted on the performance page.  The only cost to get the names and a comprehensive report of these mutual funds is to purchase the paperback, "Retirement Planning & Investing.  

One of the best and most successful retirement planning methods available are making investments in traditional Individual Retirement Accounts and diversified mutual funds. The author has used this method for over 30 years and, as a retiree can attest to its success. Investors who maintain an IRA investment, have complete control of the assets. The shareholder can directly contact the investment company. The benefit is making investments without incurring a broker or dealer fees, there is no account churning, and you sit in the driver’s seat.

There are two kinds of IRA accounts, Traditional IRA and Roth IRA. The traditional IRA portfolio is designed to save for retirement that provides tax advantages. Tax deferred until you reach the age of 70½. Investment distribution of income and capital gains that are “reinvested” will not be taxed as income. At that time, you pay income tax when you withdraw the money from the account during retirement (required minimum distribution). The Roth IRA portfolio is similar to the traditional IRA except that the money invested in this type of account grows tax-free. Other unique features allow contributions to be continued past the age of 70½, while the investor has earned income. The taxpayer can maintain the Roth IRA indefinitely and there is no required minimum distribution (RMD). The best course of action is always to consult with your accountant to determine which IRA is most beneficial.   

Mutual funds that have successful long–term returns are excellent investments to build assets in Individual Retirement Accounts (IRAs).  What is a mutual fund? An asset comprised of a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments, etc. A mutual fund's portfolio is structured and maintained to achieve the investment objective listed in its prospectus. The specific objective could be Equity Income, International, Small-Cap, Large-Cap, Health/Bio Technology, Corporate Debt, High-Yield Munis, etc.  Every mutual fund has professional managers controlling, directing, and managing the individual stocks or bonds to buy and sell. There are 4 major factors that investors should always consider when investing in mutual funds.

1) Net Asset Value - the current market price of the mutual fund assets per share. 
2) Performance – comparing the opening share price vs. the closing share price percentage of gain or loss. 
3) Distribution - income and/or capital gains that mutual fund shareholders receive from the investment. 
4) Risk – investment losses. The types are below average, average, above-average, or high.

The bottom line of achieving a successful and prosperous retirement program depends on how soon you begin your retirement savings and how committed you are to achieving your retirement plans.

Mutual Interest Data Service, Ltd
Hamilton. New Jersey 08619
Email: largedividends@verizon.net