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What are Annuities and When Should I Start One?

Understanding annuities can be complicated with so many types of annuities available. They’re sold by insurance companies, but they’re referred to as investments. They may be a smart choice for some people, but they’re not for everyone (and they may or may not be right for you). They provide income for life that you won’t outlive, provided you pick the right insurer. You buy an annuity for the long term, knowing it likely won’t outperform the stock market in that time period.
what is mutual fund and how does it work

What is a Mutual fund and How Does it Work?

Regardless of what kind of investor you are — small or large, aggressive or conservative, or somewhere in between — mutual funds offer you diversification at a lower cost, this is often with the added benefit of professional management. For those reasons, mutual funds are one of the most popular investment vehicles for the majority of investors. So let’s take a look at what mutual funds are, and why you should consider them as part of your overall investment strategy. And before you make any investment decisions, seek out a trusted professional for investment advice.

Estate Planning Guide and Checklist: 10 Tips to Get Started

According to the American Association of Retired Persons (AARP), nearly 60% of all Americans are without a will or other essential legal documents.  Many people think estate planning is reserved for the rich, but it’s in your best interest to plan for who you want to receive your stuff after you pass away.  Without your own legal documents, most states will make that decision for you through their intestate laws.  One of the easiest ways to make sure that all of your money goes where you want it to, is through current beneficiary designations on any account that allows this choice.  Then a will can cover anything that you own that doesn’t have a beneficiary option.

An estate plan is designed to serve as a road map for dividing assets when you pass away and how you want to handle your things if you become unable to do it yourself. You’ve spent your entire life building your estate, no matter how big or small, and it’s in your best interest to decide how you want your assets distributed after you pass away.

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