Important Updates for Investors
Carla Pasternak's Premiere Issue of High-Yield International Just
Released
Income expert Carla Pasternak's debut issue of High-Yield
International covers a Taiwanese manufacturer yielding 9.5%... a
rare Mexican monopoly yielding 13.4%... and other top-performing
investments yielding up to 19.0%.
Government's Biofuel Timetable Could Spell +15,900% Growth
+15,900% growth might seem far-fetched... but it's not. In fact, it
is mandated by law. And I've identified the ONLY stock positioned to
capture this growth.
The
Silver Lining to a Falling Dollar
Despite the U.S. national debt, there is a silver lining for income
investors. This massive spending, combined with movement out of U.S.
Treasuries, is going to take its toll on the dollar, and
international income investors could reap the rewards in the form of
higher dividends. |
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| Accumulation
Phase |
What It Is:
Accumulation phase refers to the period of time (often several years or even decades) during which an annuitant is making cash contributions to an annuity account. After the accumulation phase ends, the
annuitization phase typically begins, whereby the annuity makes payments for a certain period to the investor (often the rest of the annuitant's life).
How It Works/Example:
An annuity is a financial contract written by an insurance company that provides for a series of guaranteed payments, either for a specific period of time or for the lifetime of one or more individuals.
During the annuity's accumulation phase, the investor makes payments to the annuity company and can often make his or her own decisions about how to allocate those payments among a number of investments. Some annuities allow the investor to allocate money to fixed accounts, which pay a guaranteed minimum rate of interest. During the accumulation phase, the investor can usually transfer money from one investment to another without paying capital gains or income taxes on the proceeds (although there may be administrative charges for doing so).
For most annuities, investors can contribute as much as they want during the accumulation phase. However, the length of the accumulation phase varies. Immediate annuities, for example, involve one big payment (i.e., no real accumulation phase) and benefits begin soon after (often within one year of purchase). Deferred annuities, on the other hand, have longer accumulation phases, and their benefit payments begin at some future date. Interest usually accrues on a tax-deferred basis in the interim.
The money put in the annuity during the accumulation phase can usually be withdrawn as well during the accumulation phase, but after the investor begins receiving regularly annuity payments, most annuities do not allow additional withdrawals. A penalty usually applies if the investor withdraws the funds before he or she is older than 59 1/2 (these withdrawals may also trigger "surrender charges").
Why It Matters:
The accumulation phase has a tremendous effect on an investor's future income for several reasons. First, the more the investor puts into an annuity during the accumulation phase, the larger his or her annuity payments are later (and there are usually no limits on the amount of money an investor can place in an annuity, unlike IRAs). Second, the performance of the funds chosen by the investor during the accumulation phase affects how much the investor has when the payments begin. Also you should know the length of the accumulation phase can determine how large your account grows. Annuities with longer accumulation phases have more time to grow their initial investments, which leads to higher payments.
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Who Cares What the Market is Doing When You're Pulling in $28,900 a
Year in Dividends?
With the safe, growing, high-yield picks that Editor Carla Pasternak
recommends every month you don't have to worry whether or not the
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Seven "Yield Doubler" Stocks That Are Clobbering The Dow
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We're
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Two
Infrastructure Stocks That Are Profiting From Massive Government
Spending
Since the stimulus package was signed into law on
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One's a worldwide construction company that's already gained +32% to
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Investing Doesn't Get Any Easier Than This |
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