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What Investment Risks Should I Know About?

What Investment Risks Should I Know About?

Taken by itself, the word “risk” sounds negative. But broken down into what it really stands for in terms of investing, it begins to be a little more manageable. By understanding the different types of risk and keeping an eye on your investments, you may be able to manage your money more effectively. Remember, strategic […]

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What Is an Annuity?

What Is an Annuity?

An annuity is a contract with an insurance company that is funded by the purchaser and designed to generate an income stream in retirement. It is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income. Two advantages of annuities […]

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What Is a Closed-End Fund?

What Is a Closed-End Fund?

Closed-end funds have been around since 1893, more than 30 years before the first mutual fund (also known as an open-end fund) was created in the United States. However, closed-end funds are much less common than open-end funds. There are fewer than 700 closed-end funds on the market, whereas there are around 7,500 mutual funds […]

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How Do Mutual Funds and Stocks Differ?

How Do Mutual Funds and Stocks Differ?

Whether you’re a first-time stock investor or a seasoned veteran, you should understand what differentiates single stock investments from mutual fund investing. First, Some Working Definitions Picture a collection of stocks, bonds, or other securities that are purchased by a group of investors and then managed by an investment company. That’s a mutual fund. When […]

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What Is a Stock Index?

What Is a Stock Index?

In 1884, Charles Henry Dow averaged the closing prices of 11 stocks he considered representative of the strength of the U.S. economy in a paper that preceded The Wall Street Journal. By 1896, The Wall Street Journalwas publishing this average on a regular basis, and the most famous indicator of stock market performance was born: the Dow […]

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What Do Bond Ratings Mean?

What Do Bond Ratings Mean?

Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments. Ratings are based on an analysis of the issuer’s financial condition and creditworthiness. In essence, the higher the rating, the more likely it is that a bondholder will receive his or her principal again when the bond matures. Credit […]

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Tax-Free Insurance Upgrades

Tax-Free Insurance Upgrades

Responding to the changing needs of consumers, the life insurance industry has developed some alternatives that go much further in satisfying a variety of financial needs and objectives than some of the more traditional types of insurance and annuities. Advancements Modern contracts offer much more financial flexibility than traditional alternatives do. For example, universal life […]

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