Archive - February 4, 2013

1
IRAs And Medicaid
2
Bond Laddering: Generating Income From Your Portfolio
3
Time For High Dividend Paying Stocks? Not So Fast

IRAs And Medicaid

When it comes to IRAs and Medicaid eligibility the question that gets asked is, “How does my IRA affect my eligibility for Medicaid?”

Many states share similar guidelines when it comes to exempt and non-exempt assets in IRAs. Essentially, it boils down to this: if the IRA is not in payout status (the IRA owner is not taking required minimum distributions) then the assets in the IRA are included (non-exempt) in the determination of eligibility. However, if the IRA is in payout status and the owner is now taking required minimum distributions (RMDs) the total amount of the IRA is …

Read More

Bond Laddering: Generating Income From Your Portfolio

For many retired investors, a key objective of portfolio management is creating a stable stream of income while preserving investment principal. Bond laddering is a strategy that may address both aspects of this need.

What Is Laddering?

A bond ladder is a portfolio of bonds with maturity dates that are evenly staggered so that a constant proportion of the bonds can be redeemed at par value each year. Many retirees construct bond ladders with a specific end point that is based on the amount of time they want the bond ladder to generate income. Laddering for a fixed term can …

Read More

Time For High Dividend Paying Stocks? Not So Fast

Thanks to the Federal Reserve’s commitment to ultra low interest rates, bond yields are now near historic lows. While some investors might be tempted to consider dividend-paying stocks as a way of generating income, before you decide to jump on that bandwagon there are three key points you need to reason through first:

1. DO THE MATH

When a company pays out a dividend, the stock price decreases on the ex-dividend date by an amount roughly equal to the dividend paid. For example, let’s say you are an investor holding 100 shares of a stock priced at $100 per share …

Read More

Copyright 2014 FiGuide.com   About Us   Contact Us   Our Advisors       Login