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Investment Options To Consider When You Do Not Want Your Money In The Stock Market

Important Note: The items noted below are typical of each investment but can vary. It is important that you investigate all factors carefully before investing. Talk to your investment and tax advisor before investing. 

Some of the issues to consider

  • The time frame of your goals
  • Do you need income now?
  • Are income taxes an issue?
  • Sales charges and/or other fees
  • Your risk comfortable level
  • Diversification of your portfolio
  • Costs to withdraw money from current investment
  • Are there other factors to consider?

Certificates of Deposit

  • Principal is guaranteed for the time period chosen.
  • Interest is guaranteed for the time period chosen.
  • No sales charge or annual fee
  • Early withdrawal penalty may apply

Individual Bonds

  • You can choose from a wide variety of maturity dates
  • You can choose from a wide variety of ratings
  • Normally a fee to purchase and sell is assessed
  • Ability to stagger maturities for easier access to principal
  • May have credit and market risk

Real Estate Investment Trusts

  • Different types of real estate programs available
  • Can provide increasing income
  • Can provide opportunity for growth
  • Sales charge
  • May be illiquid

Fixed Annuities

  • Principal is guaranteed
  • Interest is guaranteed for the time period chosen
  • No sales charge or annual fee
  • May offer a special bonus %
  • Earnings are tax deferred
  • Early withdrawal penalty may apply

Variable Annuities

  • Provides growth potential
  • Offers diversification (which may include stock – however a rider may be available to secure your investment)
  • No sales charge
  • May have annual fee
  • May be able to provide guarantees with an added rider
  • Early withdrawal penalty may apply

Important Note:     The items noted above are typical of each investment but can vary. It is important that you investigate all factors carefully before investing.  Talk to your investment and tax advisor before investing.

Nancy Butler, August 2011 ©