Opportunity for patient investors... This Can Be Historic Opportunity... This could be a generational buying opportunity for investors...
Antony J. Founder. Chairman Of The Board, President & Chief Executive Officer.
At Visionone Holding Company: We Create New Businesses, We Invest in Businesses, We Buy Businesses, & We Sell Businesses... READ MORE ABOUT V.H.C .
VALUE = VISION = MISSION FOR VISIONONE HOLDING COMPANY AND IT'S SUSIDIARIES. Like: Visionone Real Estate Investment - Fem Konsa Capital Investment - Vision Gas Company - Visionone Capital Management -
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Visionone Holding Company, Inc. This is a holding companyestablished to invest in other companies, create new companies, buying companies and selling companies..Visionone Holding Company is on youtube...
Values
We are committed to serving all of our stakeholders in ways that are consistent with our values.
- Integrity – We are guided by honesty, trust and sincerity in all our actions.
- Innovation – We fully support the quest to develop creative and innovative ideas that can lead to improving our ability to serve the needs of our stakeholders.
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Vision, Mission & Values
VISIONONE HOLDING COMPANY AND SUBSIDIARIES
A vision is a picture of the future we seek to create. It gives shape and direction to the organization's future, and it helps people set goals to take the organization closer to that vision.
The key phrases of our vision are:
- People creating: Our ability to achieve the vision rests with our people, who are actively working to make the vision real.
- Premier and growing: We strive to be the best at what we do, both internally and externally which is investing in oil and gas, petroleum and energy.
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- Mission StatementOur mission is to deliver outstanding operating and financial results by aggressively building and managing a balanced portfolio of oil and gas properties with an assortment of growth opportunities covering a range of risks and rewards. We accomplish this by building a culture committed to effective stewardship, continuous improvement, and pure performance.==
- Inspirational And The Most Motivation BlogBy Visionone Holding Company. Very interesting Visionone Holding Company; informative and educative.
'' Visionone Real Estate Investment Group.. Visionone Real Estate Investment Group Is The Absolute Source Of Investing In Commercial Real Estate...
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They are made to an individual rather than acompany, and the borrowers do not provide collateral as a protection to the lender against default.---------------------The lending intermediaries are for-profit businesses; they generate revenue by collecting a one-time feeon funded loans from borrowers and by assessing a loan servicing fee to investors (either a fixed amountannually or a percentage of the loan amount).--------------------Because many of the services are automated, the intermediary companies can operate with loweroverhead and can provide the service more cheaply than traditional financial institutions, so thatborrowers may be able to borrow money at lower interest rates and lenders may be able to earn higherreturns.------------------------Thousands of investors each month join Lending Club for solid returns. Investments in Lending Club Notescan provide: Low volatility. Monthly cash flow. 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I consolidated debt, now I invest… you also can do the same.----------------Lending Club is a social lending network that brings together investors and credit-worthy borrowersto offer value beyond traditional banks.-----------------Social Lending Club: Peer-to-peer lending (also known asperson-to-person lending, peer-to-peer investing, and social lending;abbreviated frequently as P2P lending) is the practice of lending money to unrelated individuals, or"peers", without going through a traditional financial intermediary such as a bank or other traditionalfinancial institution.------------------------This lending takes place online on peer-to-peer lending companies' websites using various differentlending platforms and credit checking toolsLearn the Basics of Borrowing and Investing with Peer to Peer LendingSubscribe to our page, sign up and log in and get access to exclusiveinformation.Peer to Peer Lending for Entrepreneurs, Investors, andbusiness oriented people.---------------------Discover how to get the best returns possible by smartly investing in p2p lending------------My Lending Club review comes from personal experience both borrowing and investing withLending Club. I consolidated debt, now I invest… you also can do the same.----------------Lending Club is a social lending network that brings together investors and credit-worthy borrowers to offer value beyond traditional banks.n our website, our lending Club gives 7 Lucrative Reasons toBecome an Investor:1.You can earn better returns – crowdfunding investors have earned an average net annualizedreturn of over 7%.2.It’s straightforward – The money you invest funds loans made to creditworthy borrowers.3.We’re selective – Many borrowers apply, but less than one in ten are accepted. LC approvesonly creditworthy borrowers as members.4.It’s easy – We make it easy to build a portfolio based on your criteria. Most lending membersspread their investment across tens or hundreds of qualified borrowers.5.We set fair and fixed rates – Our rates are based on historical trends and the current economicclimate. 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They can use the loans for almost anything,buying a new car, boat, clothes or they can use it to pay a higher interestrate credit card.The Lending Club: A Social Lending NetworkSocial lending networks are becoming increasingly popular with borrowers as banks andother traditional lenders have tightened their belts.Lending Club is an online social lending network which brings together lenders andborrowers to lend money among themselves at competitive interest rates'' Anthony The Motivational Speaker & Financial Educator Is On Youtube''-'' Financial Knowledge - Financial Literacy - Financial Education Is On Youtube''-''Hamilton Money Makers Of Money Making Network Is On Youtube''-'' Buy Here Market Enterprise - Buyheremarket.blogspot.com Is On Youtube''-'' Visionaire Business Center: Visionairebiz is on youtube''-''Knowledge Financial Group And Investment is on youtube''-''ANGENT ANTONY For Buyers & Sellers Is On Twitter''-''{Visionaire Business Center} Visionairebiz Is On Twitter''-''{Financial Academy School} Financialschool Is On Twitter''-''Nurses Of America / NursingAlliance Of America is on Twitter''-''Financial Academy School - Academy Of Finance Is On Facebook''-'' Insurance Of America Is On Facebook''-'' Antony Real Estate - For Buyers & Sellers Is On Facebook''-''Nurses Of America - NursingAlliance Is On Facebook''-' 'Buyheremarketing - Inspirational Words Of Wisdom Is On Facebook''-''Money Making Network Organization Is On Facebook''- facebook.com/moneywisers-------------------' 'Buy Here Market Enterprise LLC is on facebook''- facebook.com/buyheremarket--------------'' Visionaire Business Center: Visionairebiz is on facebook''- facebook.com/visionairebizInternet Blogs: https://
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Monthly Dividend Stocks List...
- Monthly dividend stocks are securities that pay a dividend every month instead of quarterly or annually. More frequent dividend payments mean a smoother income stream for investors.
The 5 Best Monthly Dividend Stocks
#5: Ellington Financial (EFC)
#4: EPR Properties (EPR)
#3: ARMOUR Residential REIT (ARR)
#2: SL Green Realty (SLG)
#1: AGNC Investment Corporation (AGNC) - ---------- EPR Properties (EPR) - ARMOUR Residential REIT (ARR) - SL Green Realty (SLG)
The Monthly Dividend Stocks...
- Monthly payments make matching portfolio income with expenses easier. Most personal expenses recur monthly whereas most dividend stocks pay quarterly. Investing in monthly dividend stocks matches the frequency of portfolio income payments with the normal frequency of personal expenses.
Agree Realty (ADC) | - AGNC Investment (AGNC) | [
Apple Hospitality REIT, Inc. (APLE) - ARMOUR Residential REIT (ARR)Banco Bradesco S.A. (BBD) | - Broadmark Realty Capital (BRMK) |
Chatham Lodging (CLDT)* | - Choice Properties REIT (PPRQF) |Cross Timbers Royalty Trust (CRT) | - Dream Industrial REIT (DREUF) |
Dream Office REIT (DRETF) | - Dynex Capital (DX) |Ellington Residential Mortgage REIT (EARN) | - Ellington Financial (EFC) |
EPR Properties (EPR) | - Exchange Income Corporation (EIFZF) |Fortitude Gold (FTCO) | - Generation Income Properties (GIPR) |
Gladstone Capital Corporation (GLAD) | - - Gladstone Commercial Corporation (GOOD) |Gladstone Investment Corporation (GAIN) | - Gladstone Land Corporation (LAND) |
Global Water Resources (GWRS) | - Granite Real Estate Investment Trust (GRP.U)**Horizon Technology Finance (HRZN) | - Itaú Unibanco (ITUB) |
LTC Properties (LTC) | - Main Street Capital (MAIN) |Orchid Island Capital (ORC) | - Oxford Square Capital (OXSQ) |
Pembina Pipeline (PBA) | - Permian Basin Royalty Trust (PBT) |Phillips Edison & Company (PECO) | - Pennant Park Floating Rate (PFLT) |
PermRock Royalty Trust (PRT) | - Prospect Capital Corporation (PSEC) |Permianville Royalty Trust (PVL) - Realty Income (O) |
Sabine Royalty Trust (SBR) | - Stellus Capital Investment Corp. (SCM) |San Juan Basin Royalty Trust (SJT) - Shaw Communications (SJR) |
SL Green Realty Corp. (SLG) | - SLR Investment Corp. (SLRC) |Stag Industrial (STAG) | - Superior Plus (SUUIF) |
TransAlta Renewables (TRSWF) | - U.S. Global Investors (GROW) |
Whitestone REIT (WSR) |Why Monthly Dividends Matter?
Monthly dividend payments are beneficial for one group of investors in particular – retirees who rely on dividend stocks for income.
With that said, monthly dividend stocks are better under all circumstances (everything else being equal), because they allow for returns to be compounded on a more frequent basis. More frequent compounding results in better total returns, particularly over long periods of time.
- Over the long run, monthly compounding generates slightly higher returns over quarterly compounding. Every little bit helps.
- Golbal net lease =gnl - Gladestone = good - New york community = nycb
- Abour realty trust = abr - Southern company = so - Newell = nwl
- Devon energy = dvn - Camping world = cwh - Altria = mo - Realty income = o
- =================
- ====== What Is the Dividend Yield? The dividend yield, expressed as a percentage, is a financial ratio (dividend/price) that shows how much a company pays out in dividends each year relative to its stock price. The reciprocal of the dividend yield is the price/dividend or the dividend payout ratio.
- Dividend growth: Does the company have a strong history of increasing earnings and then rewarding investors with regular dividend increases? A good starting point is the Dividend Aristocrats, a group of S&P 500 stocks that have increased their dividends for at least 25 consecutive years.
- Financial strength: Does the company have a reasonable debt load based on its industry and an investment-grade credit rating? Does it have sufficient cash and working capital to ride out an unexpected change in the economy or a downturn in its industry?
- Dividend stability: Does it have a margin of safety between how much it earns and how much it pays in dividends?
- Competitive advantages: How does the company continually beat its competitors or keep them at bay? A cost advantage, the network effect, and a brand that people will pay a premium for are some examples of durable competitive advantages.
- Growth prospects: Is the company in an industry that is growing quickly or is demand for its products or services shrinking? Even the best company in a declining industry will find it harder to maintain (much less increase) its dividend over time.
- ----------- Dividend has declaration date: What Is the Declaration Date? The declaration date is the date on which the board of directors of a company announces the next dividend payment. This statement includes the dividend's size, ex-dividend date, and payment date. The declaration date is also referred to as the "announcement date."
- The declaration date is the day on which the board of directors announces the dividend.
- The ex-date or ex-dividend date is the trading date on (and after) which the dividend is not owed to a new buyer of the stock. The ex-date is one business day before the date of record.
- The date of record is the day on which the company checks its records to identify shareholders of the company. An investor must be listed on that date to be eligible for a dividend payout.
- The date of payment is the day the company mails out the dividend to all holders of record. This may be a week or more after the date of record
- =
Dividend Kings List ...
The Dividend Kings list includes recent additions such as Gorman-Rupp (GRC), Middlesex Water Company (MSEX), Canadian Utilities (CDUAF), Tennant Company (TNC), PepsiCo (PEP), and Kimberly-Clark (KMB).
Each Dividend King satisfies the primary requirement to be a Dividend Aristocrat (25 years of consecutive dividend increases)
Lowe’s Companies (LOW) - Parker-Hannifin (PH)
Stanley Black & Decker (SWK) - ABM Industries (ABM)
3M Company (MMM) - Dividend Kings
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Basic Materials
- Stepan (SCL) – H.B. Fuller (FUL) – PPG Industries (PPG) –
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Consumer Discretionary
Genuine Parts Company (GPC) – [See newest Sure Analysis report]
Leggett & Platt (LEG) – [See newest Sure Analysis report]
Lowe’s Companies (LOW) – Target Corporation (TGT) – V.F. Corp. (VFC) –- --------------
Consumer Staples
The Colgate-Palmolive Company (CL) – Hormel Foods Corporation (HRL) –
Kimberly-Clark Corporation (KMB) – The Coca-Cola Company (KO) – -
Lancaster Colony (LANC) – Altria Group (MO) – PepsiCo (PEP) –
Procter & Gamble (PG) – Sysco Corporation (SYY) –
Tootsie Roll Industries (TR) – Universal Corporation (UVV) –Energy
- National Fuel Gas (NFG) –
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Financial Services
- Cincinnati Financial (CINF) – Farmers & Merchants Bancorp (FMCB) –
- Commerce Bancshares (CBSH)
- ----------–--
Healthcare
- AbbVie (ABBV) – Abbott Laboratories (ABT) –
- Becton, Dickinson & Company (BDX) – Johnson & Johnson (JNJ) –
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Industrial
ABM Industries (ABM) – Dover Corporation (DOV) –
Emerson Electric (EMR) – Gorman-Rupp Company (GRC) – - W.W. Grainger (GWW) – Illinois Tool Works (ITW) –
- 3M Company (MMM) – MSA Safety (MSA) – Nordson (NDSN) –
- Parker Hannifin (PH) – Stanley Black & Decker (SWK) –
Tennant Company (TNC) – - -----------
How to calculate dividend yield from quarterly or monthly dividends
Most stocks pay quarterly dividends, some pay monthly, and a few pay semiannually or annually. To determine a stock's dividend yield, you need to annualize the dividend by multiplying the amount of a single payment by the number of payments per year -- four for stocks that pay out quarterly and 12 for monthly dividends.
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Income investors, or people looking at their investment portfolio as a source of income today, will rely on dividend yield as a starting point when considering which dividend stocks to buy. After all, if you're living off your portfolio, you have a minimum amount of income you need it to produce.
---------
However, there are several things you should consider before buying any dividend-paying stocks, including, but not limited to:
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Ex-Dividend Date...
Ex-Dividend Dates: When Are You Entitled to Stock and Cash Dividends
To determine whether you should get a dividend, you need to look at two important dates. They are the "record date" or "date of record" and the "ex-dividend date" or "ex-date."
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Utilities
American States Water (AWR) –
Black Hills Corp. (BKH) –
California Water Service (CWT) –- Canadian Utilities (CDUAF) – Middlesex Water Company (MSEX) –
Northwest Natural Gas Holding Co. (NWN) – SJW Group (SJW) – -----------
- The 5 Best Dividend Kings Today
Blue-Chip Dividend Stocks...
- The blue chips have the highest value. what are blue-chip stocks?
Blue-chip stocks are established, safe, dividend payers. They are often market leaders and tend to have a long history of paying rising dividends. Blue-chip stocks tend to remain profitable even during recessions.
At Sure Dividend, we qualify blue-chip stocks as companies that are members of 1 or more of the following 3 lists:
- Dividend Achievers (10+ years of rising dividends)
- Dividend Aristocrats (25+ years of rising dividends)
- Dividend Kings (50+ years of rising dividends)
- --------------
- -The 7 Best Blue-Chip Buys Today
Blue-Chip Stock #7: Ve
rizon Communications (VZ)
Blue-Chip Stock #6: Qualcomm Inc. (QCOM)
Blue-Chip Stock #5: 3M Company (MMM)
Blue-Chip Stock #4: Fresenius Medical Care AG (FMS)
Blue-Chip Stock #3: The Andersons Inc. (ANDE)
Blue-Chip Stock #2: V.F. Corp. (VFC)
Blue-Chip Stock #1: Comcast Corp. (CMCSA) - ---------------------
Blue-Chip Dividend Stocks...
Consumer Staples
- Andersons Inc. (ANDE) | Archer-Daniels-
Midland (ADM) | - Kroger Co. (KR) | Lancaster Colony Corp. (LANC) |
- Target Corp. (TGT) | Tyson Foods Inc. (TSN) |
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Communication Services
Consumer Discretionary
- Genuine Parts Company (GPC) | Leggett & Platt (LEG) |
- Lowe’s Companies (LOW) | Polaris Inc. (PII) |
- Sonoco Products Company (SON) | V.F. Corp. (VFC) |
- Williams-Sonoma Inc. (WSM) |
- ------------
Financials
Ameriprise Financial (AMP) | Axis Capital Holdings (AXS) |
Bank OZK (OZK) | Cincinnati Financial (CINF) |- Andersons Inc. (ANDE) | Archer-Daniels-
- Chesapeake Financial Shares (CPKF) | - Community Trust Bancorp (CTBI) |
Enterprise Bancorp (EBTC) | - Eagle Financial Services (EFSI) | - First of Long Island Corp. (FLIC) | - Franklin Resources (BEN) |
Northeast Indiana Bancorp. (NIDB) | - T. Rowe Price Group (TROW) |
Travelers Companies Inc. (TRV) | - Unum Group (UNM) |IndustrialsCaterpillar Inc. (CAT) | C.H. Robinson Worldwide (CHRW) |
Emerson Electric Co. (EMR) |Information Technology
Materials
Utilities
Final Thoughts
Stocks with long histories of increasing dividends are often the best stocks to buy for long-term dividend growth and high total returns.
But just because a company has maintained a long track record of dividend increases, does not necessarily mean it will continue to do so in the future.
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#5: Dover Corporation (DOV)
#4: Tennant Company (TNC)
#3: Lowe’s Companies (LOW)
#2: Parker-Hannifin (PH)
#1: 3M Company (MMM)
- -------
- ====== What Is the Dividend Yield? The dividend yield, expressed as a percentage, is a financial ratio (dividend/price) that shows how much a company pays out in dividends each year relative to its stock price. The reciprocal of the dividend yield is the price/dividend or the dividend payout ratio.
- Dividend growth: Does the company have a strong history of increasing earnings and then rewarding investors with regular dividend increases? A good starting point is the Dividend Aristocrats, a group of S&P 500 stocks that have increased their dividends for at least 25 consecutive years.
- Financial strength: Does the company have a reasonable debt load based on its industry and an investment-grade credit rating? Does it have sufficient cash and working capital to ride out an unexpected change in the economy or a downturn in its industry?
- Dividend stability: Does it have a margin of safety between how much it earns and how much it pays in dividends?
- Competitive advantages: How does the company continually beat its competitors or keep them at bay? A cost advantage, the network effect, and a brand that people will pay a premium for are some examples of durable competitive advantages.
- Growth prospects: Is the company in an industry that is growing quickly or is demand for its products or services shrinking? Even the best company in a declining industry will find it harder to maintain (much less increase) its dividend over time.
- ----------- Dividend has declaration date: What Is the Declaration Date? The declaration date is the date on which the board of directors of a company announces the next dividend payment. This statement includes the dividend's size, ex-dividend date, and payment date. The declaration date is also referred to as the "announcement date."
- The declaration date is the day on which the board of directors announces the dividend.
- The ex-date or ex-dividend date is the trading date on (and after) which the dividend is not owed to a new buyer of the stock. The ex-date is one business day before the date of record.
- The date of record is the day on which the company checks its records to identify shareholders of the company. An investor must be listed on that date to be eligible for a dividend payout.
- The date of payment is the day the company mails out the dividend to all holders of record. This may be a week or more after the date of record.
- ======================
How to calculate dividend yield from quarterly or monthly dividends
Most stocks pay quarterly dividends, some pay monthly, and a few pay semiannually or annually. To determine a stock's dividend yield, you need to annualize the dividend by multiplying the amount of a single payment by the number of payments per year -- four for stocks that pay out quarterly and 12 for monthly dividends.
--------
Income investors, or people looking at their investment portfolio as a source of income today, will rely on dividend yield as a starting point when considering which dividend stocks to buy. After all, if you're living off your portfolio, you have a minimum amount of income you need it to produce.
---------
However, there are several things you should consider before buying any dividend-paying stocks, including, but not limited to:
- -------------
Ex-Dividend Date...
Ex-Dividend Dates: When Are You Entitled to Stock and Cash Dividends
To determine whether you should get a dividend, you need to look at two important dates. They are the "record date" or "date of record" and the "ex-dividend date" or "ex-date."
Retirement Account: With A Tax-Deferred 401(k) or IRA...
You have fees: Whether you know it or not you have a handful of fees that are slowly draining your retirement savings.
Your money is not liquid: you can’t access your money any time you want, and if you do, you’re fiscally penalized.
Your money is not guaranteed and protected: The money in your 401(k) or IRA moves with the market, and has very limited downside protection
If you live long enough, you will run out of money: Eventually, you will run out of money once you begin to take out withdrawals.------------
With a Secure Retirement Account...
How much should I put in my TSP? - Most TSP participants are on top of it: About 75% put in at least 5% of their pay to get the full match. Keep in mind that the match your agency or service puts in your account is classified as a traditional contribution that will be taxed in retirement.
- - The G Fund: This fund is considered the investment choice with the lowest risk among the TSP fund options. ...
- The F Fund: This fund invests in bonds, which are also generally considered low risk compared to other investments. ...
- The C Fund: The C Fund is considered an S&P 500 Index fund.
- --------------
- Which is better C fund or S fund? - While the C-Fund invests in companies that are included in the S&P 500, the S-fund includes smaller companies than those that would be found in the C-fund. The “S” in S-fund stands for “small company stocks” but includes companies with market capitalizations that are considered medium-sized and large.
- ---------------
- What is the best type of retirement account to have? - Some of the best individual retirement plans are individual retirement accounts (IRAs), which include traditional IRAs, Roth IRAs, and spousal IRAs. Anyone that earns income can open these on their own. The best employer-sponsored retirement plans include 401(k)s and 403(b)s, and 457(b)s.
- ---------------
- What is the safest retirement investment? - The safest place to put your retirement funds is in low-risk investments and savings options with guaranteed growth. Low-risk investments and savings options include fixed annuities, savings accounts, CDs, treasury securities, and money market accounts. Of these, fixed annuities usually provide the best interest rates.
- ----------------
What is a good monthly retirement income?
A good retirement income should be sufficient to maintain your retirement lifestyle to what it was before you retired. A good rule of thumb is to replace about 80% of your pre-retirement income. When deciding how much you will need when you retire, you should consider your personal finance goals, retirement expenses, and future travel plans.
What’s a good monthly retirement income?
As you prepare for retirement, you may want to know what’s a good monthly retirement income to maintain your retirement lifestyle.
A good retirement income is about 80% of your pre-retirement income before leaving the workforce. For example, if your pre-retirement income is $50,000 you should aim to have a $40,000 retirement income. Typically, the amount you need to retire comfortably can vary based on your desired retirement lifestyle, healthcare costs, cost of living, and the expected life expectancy.
---------
Where does retirement income come from?
Most retirees have various sources of retirement income, ranging from investment accounts, payouts from government programs, to distributions from retirement accounts, from real estate rental, from royalty, from interest and dividend payments etc.
----------------
Social security benefits
Social security is the biggest source of retirement income for most retirees...
If you want to maximize your social security benefits, you should delay taking these benefits until when you reach the full retirement age. If you start receiving these benefits before you have reached the full retirement age, you will receive reduced payouts.
-----------
Pensions
If your employer has a pension plan, you should expect to receive pension payments when you retire. While most employers have replaced pension plans with 401(k) plans, there is still a handful of employers who run pension plans. The main types of pensions include military pensions, federal government pensions, state/local government pensions, and private pensions.
---------------
Personal financial assets
Personal financial assets may include investments and retirement accounts like real estate, stocks, 401(k), IRA accounts, and annuities.
If your employer provides a 401(k) plan, you can start taking penalty-free distributions from your 401(k) once you reach age 59. If you have a Roth 401(k), you can take tax and penalty-free distributions once you reach age 59.
You can also receive passive income from real estate and dividend-earning stocks when you retire.
-----------
How to Boost Your Retirement Income
If you are a few years away from retirement, here are strategies you can use to boost your retirement income:
Max out your retirement contributions...
- If you have access to a 401(k), IRA, Roth IRA, or other retirement accounts, you should contribute as much as you can up to the annual contribution limit.
Delay taking social security
While you may be eligible to start receiving social security benefits as early as age 62, you should wait until you reach the full retirement age to get maximum benefits. If you wait until age 70 to take social security benefits, you will receive a bigger payout. Typically, the longer you wait to receive social security, the larger the payouts will be.
--------------
Four Components of a Financially Secure Retirement...
Most people identify a financially secure retirement as one of their primary financial goals. Reaching that goal can be easier by examining the four sources of income you will have during retirement and identifying steps you can take now to increase each of those sources.
Social Security Retirement Benefits
The Social Security system has played a major part in Americans' retirement planning for decades. The current examination and debate over the future of the system will probably produce some changes for future retirees. Here are some basic facts you may want to remember:
- Full Retirement Age - the age when you can start receiving "full" benefits is gradually moving from 65 to 67.
- Early Retirement Age - at age 62, you can start receiving a reduced retirement benefit.
-------------
Employer Retirement Plans
Recent tax law changes have significantly increased the amounts that can be accumulated in corporate retirement plans, especially 401(k) plans. 401(k) plans offer a powerful way to accumulate funds - the amount you defer into the plan reduces your current taxable income, the plan probably has an employer matching provision, funds within the plan can grow on a tax deferred basis and the limits for contributions are large.
Contribute as much as you can to your 401(k) plan and especially try to contribute enough to get the full employer match. It is always nice to have your employer help you accumulate more funds.Individual Retirement Accounts (IRAs)
Anyone with earned income can contribute to an IRA to supplement other retirement planning savings. Both regular IRAs and Roth IRAs provide for the tax deferred accumulation of funds within the accounts.
---- The final source of retirement income will be your other savings. Accumulations in savings accounts and investment accounts, while not enjoying the tax preferences of 401(k) plans and IRAs, are still a major component of most individuals' retirement income. Saving more and earning more on these funds can add greatly to your retirement lifestyle.
Consider taking advantage of automatic savings plans with monthly transfers to a savings account or investment account. Also, be sure that your investment strategy is sound with consideration given to your goals, your time horizons and your risk tolerance.
Contributions to a regular IRA may be deductible if you do not participate in an employer sponsored retirement plan or if your income falls below certain levels. Roth IRA contributions can be made by individuals with income below certain levels.
---------
Contributions to Roth IRAs are not tax deductible, but Roth IRAs provide an additional benefit of their distributions not being subject to income tax and there is more distribution flexibility. In addition, individuals ages 50 and over can make additional annual contributions. Here are the contribution limits for both regular and Roth IRAs.
Types of Retirement Plans...
The Employee Retirement Income Security Act (ERISA) covers two types of retirement plans: defined benefit plans and defined contribution plans.
A defined benefit plan promises a specified monthly benefit at retirement.
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A defined contribution plan, on the other hand, does not promise a specific amount of benefits at retirement. In these plans, the employee or the employer (or both) contribute to the employee's individual account under the plan, sometimes at a set rate, such as 5 percent of earnings annually.
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A Simplified Employee Pension Plan (SEP) is a relatively uncomplicated retirement savings vehicle. A SEP allows employees to make contributions on a tax-favored basis to individual retirement accounts (IRAs) owned by the employees. SEPs are subject to minimal reporting and disclosure requirements. Under a SEP, an employee must set up an IRA to accept the employer's contributions.
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A Profit Sharing Plan or Stock Bonus Plan is a defined contribution plan under which the plan may provide, or the employer may determine, annually, how much will be contributed to the plan (out of profits or otherwise). The plan contains a formula for allocating to each participant a portion of each annual contribution. A profit sharing plan or stock bonus plan may include a 401(k) plan.
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A 401(k) Plan is a defined contribution plan that is a cash or deferred arrangement. Employees can elect to defer receiving a portion of their salary which is instead contributed on their behalf, before taxes, to the 401(k) plan. Sometimes the employer may match these contributions. There is a dollar limit on the amount an employee may elect to defer each year.
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An Employee Stock Ownership Plan (ESOP) is a form of defined contribution plan in which the investments are primarily in employer stock.
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A Cash Balance Plan is a defined benefit plan that defines the benefit in terms that are more characteristic of a defined contribution plan. In other words, a cash balance plan defines the promised benefit in terms of a stated account balance. In a typical cash balance plan, a participant's account is credited each year with a "pay credit"
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