With Investperity's reliable approach, your money is invested in low-cost mutual funds or ETFs. Low trading frequency is used to avoid excessive trade costs and short-term capital gains. Your portfolios will be managed tax efficiently. When available, the account types will dictate the investments. Highly taxable assets will be placed in tax-deferred accounts, while low taxable assets will be placed in non-tax deferred accounts.
Your accounts will be tax-loss harvested on an annual basis to reduce tax expenses due to trading or capital raises for distributions. Investperity will manage volatile market conditions for you. Your portfolio will be managed to long-term market cycles. When the market is in an expansionary cycle, your portfolio will be managed to take advantage of the expansionary environment. When the market contracts, your portfolio will be managed to a more conservative allocation.
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A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities. These investors may be retail or institutional. Mutual funds have advantages and disadvantages compared to direct investing in individual securities. The primary benefits of mutual funds are that they provide economies of scale, a higher level of diversification, they provide liquidity, and professional investors manage them.
An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds. Most ETFs track an index, such as a stock index or bond index, although they can invest in various strategies, industries, and sectors. ETFs may be attractive as investments because of their low costs, tax efficiency, and stock-like features.
Cash in its physical form is the simplest, most broadly accepted, and reliable form of payment, which is why many businesses only accept cash. Checks can bounce, and credit cards can be declined, but cash in hand requires no extra processing. However, it's become less common for people to carry cash with them, due to the increasing dependability and convenience of electronic banking and payment systems.
Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk. Future cash flows are evaluated to determine if the retirement income goal will be achieved.
Planning for your children's education is probably one of the most important goals you will have as a parent. Additionally, a college education can be an expensive prospect, likely ranking just below your house in terms of big-ticket items you'll purchase in your lifetime. That's why it's so important to plan for educational expenses, just as you would plan for your retirement or a home.
When it comes to making a major purchase – something big, like a car or house down payment – it can seem overwhelming, particularly when you consider that the investment might still be several years away.
Imagine your dream vacation. Maybe you see yourself trekking in Australia's Outback, relaxing in a hammock on a beach in Bora Bora, or taking a six-month cruise around the world. But here's the thing: Your dream vacation will remain a dream unless you begin saving for it. Let's discuss how to get you there!