r****m
发帖数: 1204 | 1 Yes.
No limit on after-tax money investment.
Pre-tax money investment is typically used as a 401(k) or IRA rollover, so
the limit is how much money you can rollover. |
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k******a
发帖数: 2436 | 2 You do not have to cash out all accounts on the day your declare you retire.
Just the opposite, you can invest well into retirement. The problem with
most American at retirement is they are already insured too much. They
should, in their post tax brokerage account, keep a more "aggressive", stock
-centric asset allocation so that they can balance out the annuities and
insurances.
Diversification means your risk adjusted return can be high without choosing
only low-risk holdings. Even with 100% e... 阅读全帖 |
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l*********m
发帖数: 16971 | 3 【 以下文字转载自 Stock 讨论区 】
发信人: lovefreedom (橘子爱自由), 信区: Stock
标 题: 美国富人不用付遗产税
发信站: BBS 未名空间站 (Tue Dec 17 18:37:41 2013, 美东)
http://money.msn.com/business-news/article.aspx?feed=BLOOM&date
Federal law requires billionaires such as Adelson who want to leave fortunes
to their children to pay estate or gift taxes of 40 percent on those assets
. Adelson has blunted that bite by exploiting a loophole that Congress
unintentionally created and that the Internal Revenue Service unsuccessfully
challenged.
By... 阅读全帖 |
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r****m
发帖数: 1204 | 5
不就IUL 或 Variable Annuity吗, 您就明说得了.
别忘了参考一下我的贴子, 并请指正. |
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s*******e
发帖数: 257 | 7 刚刚看到又一个缺点：59.5岁之前withdraw有10%penalty。所以如果想随时取钱的话还
是只有普通taxable account了 |
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c***0
发帖数: 449 | 8 如果你是非营利组织的肯定选tiaa, 那个annuity 特别爽每年保本加3-10%的利息，利
息基本和房贷的利率一样。一般公司选不了这个产品。 |
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d**********1
发帖数: 267 | 11 恩4%-6%的长期收益率，其实很一般吧？？
more
TIAA
at |
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x*******o
发帖数: 2581 | 13 Life cycle 比较好吧。而且他家对于大学的403B收取的手续费还特别低 |
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w**1
发帖数: 1014 | 14 正在听Freakonomics Radio,里面讲到tenured professor 'basically turned
yourself into a walking human annuity'. 在职业非常稳定又不想早退休的情况下，
是不用存太多退休金。好好锻炼身体吧！ |
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n******n
发帖数: 12088 | 15 就是个annuity，本质和债券没区别，无非是现金流分布不同。
提前拿到本金根本不算优点，还有re-investment风险呢。
. |
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n*******e
发帖数: 152 | 16 You can choose to re-investment or not after get your principal, right?
就是个annuity，本质和债券没区别，无非是现金流分布不同。提前拿到本金根本不算
优点，还有re-investment风险呢。 |
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p********o
发帖数: 351 | 17 可以 roll over， 如果想省心的话，最好的选择是annuity。 |
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h******n
发帖数: 106 | 24 Is it guaranteed or based on optimal estimation?
Usually these products (even from a bigger company) have high fee and 6% is
not guaranteed.
The best vehicle for retirement is Roth IRA. Max out Roth IRA first.
Then traditional IRA/401K.
A simple portfolio of 50% VWINX (40% stock, 60% bond) + 50% VWELX (60% stock
, 40% bond) can beat the 6% return.
You can check their performance at Yahoo finance.
Both of them have long history. |
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r****m
发帖数: 1204 | 28 e.g. In your retirement, your most basic living expense is $4000 per month,
your social security benefit is $2500, you need a guaranteed $1500 income to
fill this gap. Use Annuity to do it.
With most basic needs covered, for the rest retirement money, you can be
more aggressive, if you gain more, you can spend more ... |
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r****m
发帖数: 1204 | 29 e.g. In your retirement, your most basic living expense is $4000 per month,
your social security benefit is $2500, you need a guaranteed $1500 income to
fill this gap. Use Annuity to do it.
With most basic needs covered, for the rest retirement money, you can be
more aggressive, if you gain more, you can spend more ... |
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r****m
发帖数: 1204 | 30 想稳的话option还真不多， 现在通胀是负的， 但谁知道3，4年后是多少？
5年的CD才1.6%。 5年的fixed annuity大约是2点多, guaranteed， |
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d*********e
发帖数: 52 | 31 从大约三年前开始， 笔者偶尔听到“世界金融集团”world financial group的名字（
以下简称WFG），知道它是一家关于金融保险类别的企业， 走的是多层次市场的行销模
式。 但是由于很少身旁亲友和熟人是WFG客户， 所以也没有多加留意。
但是近一年来， WFG却如同井喷般发展， 笔者许许多多朋友， 热衷于参加各种各样金
融培训和执照培训。 详加追问， 都和WFG各个社区办事处举办的活动有关。 不少熟人
， 因为我是财经报道背景出身， 也常常咨询：“最近出了一个新公司的新产品，据说
很多功能， 退休养老保险基金全包， 您帮我们看看？”，递过来的企划书和文案，
赫然也是WFG标志。 让我感觉的这个组织的庞大和无处不在。
笔者作为经济新闻写手， 收到越来越多保险从业人士和消费人士的内部消息和抱怨。
对这个横空出世，总部位于亚特兰大郊区的JOHNS CREEK, 号称挂钩保险从业人员高达
15万人的“多层次市场推销”（multi-level marketing network）组织产生了浓厚的
兴趣和疑问。
疑问最主要集中以下几点：
1 如此庞大的金融机构， 从业人员超过美国的... 阅读全帖 |
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b*******c
发帖数: 20683 | 32 赞！
我一直对annuity持保留态度，碰到拉我买年金的也躲着，因为据说陷阱不少。没仔细
了解过，谢扫盲。
大家觉得年金值得买吗？感觉回报不如其他。 |
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w*****i
发帖数: 57 | 33 A级或是A级以上的保险公司倒闭的可能性要比银行要小。
原因有几个：
1）保险公司没收到客户投资的每$1, 都要求在银行中存$1.1作为保险公司的储备资产
reserved asset
2）保险公司存在银行的钱会做投资，一般投在美国国债，和公司债券中。每年会有一
定的获利Interest。美国政府规定，保险公司每年的投资获利部分至少要有20%需要再
存在银行里。
3)每年美国政府会evaluation每家保险公司， 上面提到的1）和2）向加的钱 如果都是
投资在国债中， 那么政府会承认保险公司每reserved的$1 = $1reserved Asset，如果
是投资在公司债券里面（应为公司会有倒闭的风险），所以每$1=$0.7的reserved
Asset。
4）当1）+2）等于政府规定的安全范围，那么这家保险公司的在A.M Best, Fitch,
Moody's, standard & Poor's 上的评级可以达到B级或是相类似的级别，要达到A级或
是A级以上（A+， AA， Aa3..等），那么需要超过正常政府规定的安全储备（Reserved
Ratio)
所以世界上存在的A或... 阅读全帖 |
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r****m
发帖数: 1204 | 34 是的， 楼主这不是个small ask，起码对大部分人来说。
我刚查了下fixed annuity, for 5-year locked period, the guaranteed rate is 2.
75%. If you want liquidity (some withdrawals during the 5-year period), the
guaranteed rate will take a little bit hit.
In short, trade off is a reality in the investment world. |
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r****m
发帖数: 1204 | 35 是的， 楼主这不是个small ask，起码对大部分人来说。
我刚查了下fixed annuity, for 5-year locked period, the guaranteed rate is 2.
75%. If you want liquidity (some withdrawals during the 5-year period), the
guaranteed rate will take a little bit hit.
In short, trade off is a reality in the investment world. |
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S**C
发帖数: 2964 | 36 SS 8% increase is 8% real, although it is not compounded increase. OTOH, 8%
real investment return is very hard, even nominal return you will need to
have a stock heavy portfolio, long term S&P 500 annual return is about 10-11
%, so you need to have 70-80% stock, which probably is not suitable for
retirees.
Another benefit to defer is before RMD, you get a few years of low taxable
income, use it to your advantage to convert some of your tax-deferred money
to ROTH.
Another thing to consider besid... 阅读全帖 |
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u****e
发帖数: 99 | 37 On attitude and danger of market:
Attitude is important. I study and learn. I've met some smart, and I think
really smart, people, who gave the advice of using index fund. They tried to
beat market, they won, they eventually lost. The more I read. The more I am
convinced I am among the majority group that will not beat the market. You
can call me coward, I call that knowing oneself.
I pay due diligence on things I do not understand and want to understand.
Somebody recommends index annuity with... 阅读全帖 |
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h**q
发帖数: 128 | 38 IUL每年比index funds少的那4%早就超过了大学补助的那些钱了。
另外一个应该是年金（Annuity），保证收益率，但是不能一次拿出来。如果打算养老
的话还是可以考虑的。这些年金产品的特点就是拼你命多长。如果活到90+，你一定赚
的，但是活得短，比如70就挂了，就比较亏了。
格。
异。 |
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g*****g
发帖数: 34805 | 39 Annuity works that way too, and it's a bad investment. Don't forget
insurance company can raise cost of insurance, and they always do.
to |
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k********0
发帖数: 20 | 40 I think Annuity is different animal. You have to pay tax on the gain so that
would be the last resort if you don't know how to invest and have no place
to invest.
Yes, insurance company can raise cost of insurance but not individually. If
they raise the overall cost of insurance then they will lose new business.
America is open and competitive, there is will be consequence if they raise
and not their competitor. |
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z***t
发帖数: 10817 | 43 稳妥期间还是稍微diversify一下
spy逢高拿一部分做fixed income
CD bond annuity etc...
年 |
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n**i
发帖数: 116 | 44 这就是 market timing, it won't work.
over the long period, nothing can beat US equity, so why bother with CD,
bond?
Annuity is the worst, I will never consider it. |
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d******s
发帖数: 113 | 45 有什么好的structure note推荐吗？link to SP500的，有下跌保护的。return低点也
可以。
: 不知道讨论的人里有多少是买过structured notes的？我本人是对这行非常了解。
: Structured notes可以设计的很复杂，很tricky，很危险，可以是有downside
: leverage,在市场下跌的时候有加速的亏损，也有link to CMS甚至proprietary
index
: (比如摩根大通的efficiente指数）这些非常不透明的指数的。（btw, CMS
stands for
: constant maturity swap, 如果你不明白这是什么，最好不要碰和CMS相关的产
品）
: 可是，structured notes也可以设计得很稳妥，比如有很大的downside
protection，
: 比较常见的是５年期只要SPX不跌５０％就还本。SPX 5year rolling period
return
: 过去几十年有没有跌过５０％？最多一次跌多少，... 阅读全帖 |
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G***s
发帖数: 739 | 46 另外， 我看了你们的trs计算方法。如果你年纪不是太大，要注意roth/dcp之间的平衡。
现在的延税的确很爽，但这些钱最终还是要交税的，如果你放的比较多，而退休后有
annuity和ss, 有可能会造成退休后收入比退休前高，这样，延税的意义就不大了。 |
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发帖数: 1 | 47 TIAA非常tricky。有的选项是投进annuity，的却是拿不出来或者提前拿出来要交税和
罚款的，但是也有一些是可以提前转到普通的roll over IRA的。这个钱你不能拿出来
花，但是可以做其他的投资。具体问题可以私信我。 |
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发帖数: 1 | 48 TIAA非常难转出来。要电话去要一个表格，填好后寄过去。处理还需要很久。
建议如果在TIAA不是annuity,能转就转出来吧。 |
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p***r
发帖数: 1098 | 49 As of 2011, several versions of Form 1099 are used, depending on the nature
of the income transaction:
1099-A: acquisition or Abandonment of Secured Property
1099-B: Proceeds from Broker and Barter Exchange Transactions
1099-C: Cancellation of Debt
1099-CAP: Changes in Corporate Control and Capital Structure
1099-DIV: Dividends and Distributions
1099-G: Government Payments
1099-H: Health Insurance Advance Payments
1099-INT: Interest Income
1099-K: Merchant Card and Third Party Network Payments
1... 阅读全帖 |
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t******r
发帖数: 232 | 50 这个annuity factor决定了每月交的本金,刚开始的时候本金少啊,我一直就是这个意思.
我关心的是total cost to own, 你能指出我的计算有什么问题嘛? 难道只降0.125%的
时候我的total cost不是增加了嘛?
就是 |
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