This document discusses various retirement investment options including 401k plans, profit sharing contributions, and defined benefit plans. It also summarizes the differences between 401k safe harbor plans and profit sharing contributions. Additionally, it addresses investment risk and provides tools to assess risk tolerance and plan for retirement savings needs.
The importance of investment methodologyA.W. Berry
Informed and wise investing decisions do not typically seek to dazzle or outperform, but rather pursue and attain a calculated financial objective. This newsletter seeks to apply the tenets of investment wisdom in to a review and evaluation of investment process and methodology.
The importance of investment methodologyA.W. Berry
Informed and wise investing decisions do not typically seek to dazzle or outperform, but rather pursue and attain a calculated financial objective. This newsletter seeks to apply the tenets of investment wisdom in to a review and evaluation of investment process and methodology.
Financial Planning is most important for any country or any organization, so here today we come up with some information regarding the financial planning which will help you to understand the financial planning...
Types of investments from CPA wayne lippmanWayne Lippman
Overview of the general types of different investments people can make in today's society, presented by Wayne Lippman CPA http://www.yelp.com/biz/wayne-lippman-lippman-and-associates-cpas-walnut-creek-2
Financial Planning is most important for any country or any organization, so here today we come up with some information regarding the financial planning which will help you to understand the financial planning...
Types of investments from CPA wayne lippmanWayne Lippman
Overview of the general types of different investments people can make in today's society, presented by Wayne Lippman CPA http://www.yelp.com/biz/wayne-lippman-lippman-and-associates-cpas-walnut-creek-2
INVESTMENT PLANNING FOR MODERATE INVESTOR.pptSana Mushtaque
My whole presentation is on a moderate investor.which is created under assumption and whole process which needs before financial planning and investing first time in mutual fund.
it include information about:-
what is mutual fund?
Types of mutual fund.
Different types of investor as their risk appetite.
What do you mean by financial planning?
Steps in financial planning.
Life cycle stage of investor
Goal setting
An example.
Scheme
conclusion
thank you
An individual or an organization needs to manage its wealth well. Although, there are varied economic counsellors, for an organization, a financial analyst provides in-depth and logical inputs and reports to decision makers for a favourable economic outcome. Essentially, he researches macro and micro economic situations, with multiple economic inputs, such as company fundamentals, governmental policies, industry trends, business cycles and competitive environment to make business related industry recommendations. Usually, the financial analysts analyses multiple economic parameters and recommends a view on the likely performance of a company's stock. These stock reports could be based on technical or fundamental analysis.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
[Note: This is a partial preview. To download this presentation, visit:
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
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1. Introduction and Key Concepts of Sustainability
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To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
The key differences between the MDR and IVDR in the EUAllensmith572606
In the European Union (EU), two significant regulations have been introduced to enhance the safety and effectiveness of medical devices – the In Vitro Diagnostic Regulation (IVDR) and the Medical Device Regulation (MDR).
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Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
3. SH vs. PSC- What’s the difference?
401k Safe Harbor Plan Safe Harbor 401k Plans (SH):
A Safe Harbor 401(k) Plan is a relatively new type of 401(k) Plan that automatically
meets certain IRS non-discrimination requirements, unlike a traditional 401(k) plan,
if the employer commits to making one of two types of employer contributions.
Profit Sharing Contributions (PSC):
An employer profit sharing contribution is a contribution made by the employer to an
employer sponsored qualified retirement plan. Eligible participants share in this
contribution based on a predetermined formula used to allocate this contribution
amount. The plan need not be a 401(k) plan, but if it is a plan participant need not
enter into a salary deferral arrangement to receive such a contribution. However,
there may be other requirements that an employee must satisfy such as being
employed on the last day of the plan year.
5. Risk tolerance is the degree to which you are comfortable with:
•Volatility of annual returns
•Likelihood and size of negative returns
In the long term:
•Higher returns typically come from taking more risk, but
•Need to be able to sleep comfortably at night?
The risk required to achieve your goals:
•What is my investment time horizon?
•What are my retirement income expectations?
•What is the value of additional sources of potential retirement
income?
Determining your risk profile
6. Two different risks need to be manage
1. Volatility of short term performance
•Assess your “risk tolerance”
•Diversify your portfolio to address market risk
and
2. Longevity Risk
•Risk of failing to accumulate sufficient assets to build
desired pension
•Not having sufficient assets to pay your desired pension
for life
7. When to re-evaluate your risk tolerance
Major life events such as:
–Marriage or divorce,
–Children are born, go to university, leave home, (return
home?)
–Debt levels change or net worth changes considerably
–Inheritances
–Death of a spouse
As your investment time horizon to retirement shortens
If your tolerance for risk changes for any other reason
8.
9.
10. Investing in volatile markets
Be patient and don’t panic
•Corrections are a normal part of the market. Markets eventually recapture
losses, reaching and surpassing former levels. This can present opportunities
for long-term investors
Work with your Financial Advisor
•Working with an advisor who is focused on helping you achieve lifetime
security. Consumers with well-balanced, disciplined investment plans, who have
taken the risk of market volatility into account when creating their investment
plans, should have minimal impact on long-term goals
Diversify
•A diversified portfolio with a variety of investments, can carry less risk
•During market volatility, members with proper asset allocation and disciplined
investment plans will be impacted less by short-term events
11. •Diversification: holding different types of investments in your
portfolio
•Lower your overall risk by: not putting all of your eggs in
one basket
Diversify your investments
Asset Class
Manager
Style
Sector
Foreign
Markets
Ways you can diversify
Allowed 100% foreign content
12.
13. Investment Manager approaches
Active
Objective is to outperform a
market index based on research
of current market conditions and
company prospects (actively
buys and sells securities in
individual funds)
Passive/Index
Simply buys and sells assets to match
characteristics of an index, fund
performance should be similar to the
index, i.e. S&P TSX
Fund Manager applies an investment
“style” to their approach
Fund Management Fees tend to
be lower than an Active Fund Manager
14. Investment styles
Value
Focuses on stocks that a fund
manager thinks are currently
undervalued in price and will
eventually have their worth
recognized by the market
Growth
Believes that the single most
important thing driving stock prices
is rapidly rising corporate
earnings -- and that's what they
look for
If the manager is right, the stock
will increase in price as others
in the market recognize the
true value of the stock
If the manager is right, the company’s
stock will increase in price as the
company achieves business and
earnings growth
15. Investment styles
GARP
Growth at a reasonable price
- looks for stocks of growth
companies that they can buy
for a reasonable price
Core
Fund manager includes both
growth and value styles
– objective is to
not allow any one style
overweight the other
This is a combination of value
and growth investing
By not allowing one style to
overweight they maintain
a neutral position
16. my money- Investment Risk Profiler
Assess your personal
risk tolerance by
completing the
investment risk profiler:
• online
• paper-based version
17. My money Retirement Planner
If you’re not sure how much money you
need to set aside for your desired
lifestyle in retirement, the my money
Retirement Planner can help
**The Retirement Planner is one of many tools that you can use, in planning for your retirement, it
does not take the place of a real financial planner/advisor**
The planner lets you determine how much you need to save now to
provide you with your desired income level in retirement. You can
adjust a number of variables as they change over time by updating
your calculations in the retirement planner.
18. Planning Tools
•Withdrawal Calculator
•Capital Gains vs. RRSP Calculator
•Mortgage vs. RRSP Calculator
•RRSP Loan Calculator
•Non Resident Tax Calculator
Retirement Tools
•Annuity Premium Calculator
•Old Age Security Calculator
•Registered Retirement Income Fund (RRIF) Calculator
Additional on-line tools to help
Diversification means:
Lowering your overall investment risk by investing in a variety of:
Asset classes (guaranteed funds and money market, bonds, equities)
Management styles, or
Countries or regions
Choosing a variety of investments can reduce your risk of loss and increase your potential for higher investment returns. Diversifying your portfolio by different fund categories, referred to as an "asset allocation" strategy, is a key part of your investment decision.
Statements are mailed to your home address, but remember that they are also available on the Sun Life Financial Plan Member Services web site.