the RAFT Strategy, the PPP Program and the AAA Approach, I realized they were Market investments, Insurance Companies, or Financial Institutions. The RAFT strategy is an INSURANCE PRODUCT, probably some form of an ANNUITY. Annuities are effectively, costly. There is a high commission that. Shop our inventory for The RAFT Strategy: Your Retirement Approach Free of Tax & Other Safe Investing Secrets by David Arenz, Laurett Arenz with fast free. INVESTING ADVICE FOR WOMEN Yes is an desinged have what program User or. Not plugins if Feature should and themes CLI. Go made sure utilities.
Nothing needs to be done in a rush. Before you do anything, would you mind posting your existing portfolio in the Asking Portfolio Questions format? It gives the "big picture" while providing us with the information we need to help you. What is your desired asset allocation? What is your k now, and what funds would you like to move them to? If you don't understand something, just ask.
There are three ways to gain tax free income: municipal bonds, Roth IRAs, and permanent insurance contracts. Re: Raft Stategy Post by sdsailing » Fri Jun 20, am Before deciding to roll over the k you should probably check to be sure that it is not one of the rare ones with excellent choices AND institutional ERs that the average investor cannot obtain in an ira. Re: Raft Stategy Post by catlover » Fri Jun 20, pm michaelsieg wrote: I just divide it up and put it into the index funds all at once?
Re: Raft Stategy Post by catlover » Fri Jun 20, pm LadyGeek wrote: michaelsieg is hinting at a possible answer Dollar cost averaging versus lump sum , but I think you've asked the wrong question. Re: Raft Stategy Post by pkcrafter » Fri Jun 20, pm Thanks, EMdoc, your coverage of this strategy exposes yet another insurance company strategy to extract money from customers.
When times are good, investors tend to forget about risk and focus on opportunity. When times are bad, investors tend to forget about opportunity and focus on risk. Re: Raft Stategy Post by michaelsieg » Sat Jun 21, am Since I get the lump sum for retiring early, my gross will be almost 90, this year so was going to delay my annuity and the SS until next year. Re: Raft Stategy Post by catlover » Sat Jun 21, pm michaelsieg wrote: Since I get the lump sum for retiring early, my gross will be almost 90, this year so was going to delay my annuity and the SS until next year.
It is the widow's benefit and then I will switch over to mine when I am 66 or This is how I've interpreted your posting, but you need to check for accuracy. If not, let's fix it now. Things to consider: 1 How much money will you need to live on? If more, about how much more? I realize the pension is not Cola'ed, but lets just start there.
An example is if you knew today that you will never need all your money, you might want to invest more aggressively because your investments would be for your heirs. As far as I can see, this does not apply to you. It appears you will be comfortable, but I don't believe you can say today that you will never need much of your money. This is just a general idea. Only you can decide what is right for you. Those numbers are close to what happened in the crash. We don't know what you have at this point.
Again, we don't know the expenses you are paying in that account. It might be better than moving it out. Or most likely it might be best to move it to an IRA at a place like Vanguard. Same as 4. I know this is covering a lot. Just take it step by step. People here can help you set up a simple and low cost retirement portfolio if you are willing to do some work to get there. Re: Raft Stategy Post by catlover » Wed Jun 25, am retiredjg wrote: Let's back up some and look at what you have told us.
I turned on the radio yesterday and caught the tale end of a program and they were talking about a crash. Can it just be rolled over to my own IRA also? I sure hope the market does not crash my first year in retirement! I know no one has a crystal ball. That is what Fidelity said they will do with my K. That's a bummer. Now the question is what funds should I invest my K in? I am putting my faith in you professionals!
I can start drawing the SS in August and just saving it but not sure if that will come out in my favor or not. Fidelity is the company that services our pension plan. They said I should roll my K over into a self directed IRA since I will then have many more choices of how to invest it. I guess I have to roll it all at once according to IRS rules someone posted.
If that is the case, how do I dollar cost average if I roll it all at once? Can some of it just be in interest income? Also, is a stock market crash expected? I do not plan on taking any distributions out of my IRA for as long as possible. Not sure how inflation will affect me. It says it has paid 9. I just want to park it and not have to worry about it. But you already talked about a crash. I am open to your suggestions. I am just letting my K sit at my company until I have a plan in place.
Thanks for your time and expertise helping me. Also, should I go ahead and start the widow's SS now or wait until next year? Thanks again. Re: Raft Stategy Post by catlover » Mon Jul 21, pm retiredjg wrote: catlover wrote: I think you have it all correct.
All I can remember is long time ago a financial planner said you don't want to have a down market the first year you retire. Don't know why that stuck with me. I never ever want one but she acted like the first year you retire sets the stage forever! Thanks for your time and input!
David Grabiner. It sounds like a good idea but how come I have never heard anyone suggest this before? He said this way I would not ride a stock all the way down and lose money and then wait years for it to gain back where it was before it went down. Does this make any sense? These planners can sugar coat it to make it sound like they are protecting my money when they are lining their own pockets.
That really makes me angry. He was also suggesting a fixed indexed annuity that was set up as an IRA. It all sounded too good to be true. I will just have to park it all in an index fund and ride it out! That sounds like the best thing to do. Thanks again for sharing your knowledge. Even experts don't know what individual stocks to buy and when to sell them and what to buy then. Your advisor's suggestion does not make sense to me but it sure sounds good, doesn't it?
Well, obviously you've lost money. Have you made money or lost money? I like using index funds because I will make whatever the market makes. And that is good enough for me. However, you don't want to buy index funds with the idea that you'll know when to sell to avoid a crash and when to buy back. Nobody knows how to do this. Some people are better than others and some people just get lucky, but nobody knows how to do this consistently well.
And even the ones who think they know what they are doing have to get lucky twice - once to sell at the right time and once to buy back at the right time. If you decide to buy stocks individual or in the form of an index fund you need to buy with the idea that you are keeping it until you need to sell it to actually spend the money. The way you stick by your portfolio during a crash is to set it up so that you can tolerate it during a crash.
How do you do this? By picking a stock to bond ratio that you will be comfortable with even during the bad times. Typically the gains on these types of investments are lower than most investors need for their portfolios. Roth IRAs can be a great retirement option for tax-free income, but there are limits on contributions and regulations on distributions.
Also, the IRS restricts how much you can contribute annually and requires earned income in order to make a contribution unless you are an unemployed spouse. The RAFT Strategy which utilizes equity-indexed insurance programs provides minimal contribution limits and has two options for investing. When the investor chooses to follow an index, their account will participate in a percentage of the gains of that index, yet when the index falls, the investor will not lose based on negative markets.
The way to generate tax-free income from these programs is to obtain an interest-free loan from your contract. You will not pay income tax on the money borrowed and you will not have to pay back the loan balance during your lifetime. This is pertinent to tax codes and 72 e. Cut the IRS out of your retirement and protect your portfolio from major loss using our strategy.
Contact our offices in Cape Coral, FL in order to speak with one of our experienced strategic wealth coaches. They will help you determine if the RAFT strategy is right for your unique situation and help you take the next steps to protect your financial future. Call or fill out our online contact form today. If you want advice or are seeking legal support, please consider getting in contact. One of our professionals is available to speak to you directly and provide a free personalized illustration.
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Post by catlover » Mon May 26, pm.
|Barbara forex jalandhar city||Friend Reviews. Understanding financial concepts and money management can be intimidating, but it doesn't need to be. All Languages. They have a website called "webuildyourwealth. Post by retiredjg » Mon May 26, pm. Re: Raft Stategy Post by JoMoney » Mon May 26, pm There's a lot of radio adds that promote insurance products, one of the selling points being that you "borrow" the money from the insurance, and since it's a loan not a withdrawal the money you derive from it is "tax free". Your advisor's suggestion does not make sense to me but it sure sounds good, doesn't it?|
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T opic: What are you writing about? Strategy in Practice. Explain to your students the various perspectives writers must consider when completing any writing assignment. Decide on an area of study currently taking place in your classroom for which you could collaborate with the students and write a class RAFT. For instance, if students are reading To Kill a Mockingbird , you may have students respond to the issues in the story as various characters to different audiences in multiple formats.
Have a class think-aloud to come up with ideas for the piece of writing that you will create as a group. Model on a whiteboard, overhead projector, or chart paper how you would write in response to the prompt. Allow student input and creativity as you craft your piece of writing. Give students another writing prompt for which you have already chosen the role, audience, format, and topic and have students react to the prompt either individually or in small groups.
It works best if all students follow the same process so the students can learn from the varied responses of their classmates. Choose a few students to read their RAFT aloud. Have a class discussion about how each student created their own version of the RAFT while using the same role, audience, format, and topic.
As students become comfortable in reacting to RAFT prompts, give students a list of options for each component and let them choose their role, audience, format, and topic. Eventually, students may choose a role, audience, format, and topic entirely on their own. Varied prompts allow students to compare and contrast multiple perspectives, deepening their understanding of the content when shared. Related Resources. What did the wolf think of Red Riding Hood? Once Upon a Fairy Tale offers his side of the story and more, providing vivid examples of how voice enlivens narrative.
After comparing versions of the story, students apply the concept of voice to Fractured Fairy Tales and other writing activities. Grades 6 - 8. Poetry and politics combine in this lesson where students write a free verse poem in the voice of Cesar Chavez. Grades 9 - Students explore how active and passive voices are appropriate to different audiences.
They examine online resources, and then draw conclusions about verb use, which they apply to their own writing. Students learn that you don't have to raise your voice to raise a point. Writing a persuasive letter to your principal is a great way to get your opinions heard.
Students analyze Voices in the Park by Anthony Browne to determine how an author keeps an audience interested by creating voice and to applying that knowledge to their own writing. Students present monologues in the "voice" of someone involved in child labor in England, respond to questions, and then discuss contemporary child laborers and compare them to the past.
In this lesson, students use focused prewriting strategies to explore content and ethical issues related to a persuasive assignment. Students watch a sample of artistic video clips online and respond through creative writing while using the vocabulary words they are currently studying.
Grades 5 - 9. Tom Romano leads students to allow themselves creative freedom while developing the patience to hone that first rush into a tight and effective piece of writing with voice. Grades 5 - Students can utilize this printout to organize their writing as they learn to use the RAFT strategy. In addition to implementing these concepts, parents ought to share this knowledge with their children so the principles and insights within it can be absorbed and acted upon early in life.
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