TOP OF CONTENT

senior business man in suit
Retirement

Our Partner is an Options and Futures based Money Manager offering a unique trading program structured to take advantage of an everchanging market. We offer our trading to both individuals and institutions. As a result of being both on the side of the trader and the investor, our concern is not only with the return on investment, but how much risk we must tolerate to achieve our goal of compounding our clients investment over a period of time. Our clients have the security of knowing that a government agency is holding us accountable for all of our endeavors.

Our trading strategy is to utilize a method of capturing swing moves in the market with the ability to capitalize on longer-term moves if the opportunity is presented. By using a combination of support/resistance, geopolitical/news based trading, and detailed market analysis, weʼre able to effectively enter and exit profitable short term trades. Market Analysis includes evaluating the principles of volume, market intention, momentum, volatility, and market sentiment to determine high probability trades.

Commodities Market
There are numerous ways to invest in commodities. An investor can purchase stock in corporations whose business relies on commodities prices, or purchase mutual funds, index funds or exchange-traded funds (ETFs) that have a focus on commodities-related companies. The most direct way of investing in commodities is by buying into a futures contract.


Savings Account
A savings account is likely the simplest type of bank account available to consumers. It allows consumers to store excess cash in a secure location (an insured bank or credit union) all while earning interest on the balance.

Cash stored in a savings account is less liquid, or accessible, than in a checking account but more so than cash stored in a CD (Certificate of Deposit). The Federal Reserve Board’s Regulation D mandates that a depositor may make no more than six transfers/withdrawals out of a savings account per month. This includes transfers to other linked accounts at the same bank. A violation of this rule typically leads to a fee, and repeated violations may lead to account closure.


Stock Market
The stock market lets investors participate in the financial achievements of the companies whose shares they hold. When companies are profitable, stock market investors make money through the dividends the companies pay out and by selling appreciated stocks at a profit called a capital gain. The downside is that investors can lose money if the companies whose stocks they hold lose money, the stocks' prices goes down and the investor sells the stocks at a loss.

The stock market can be split into two main sections: the primary market and the secondary market. The primary market is where new issues are first sold through initial public offerings. Institutional investors typically purchase most of these shares from investment banks. All subsequent trading goes on in the secondary market where participants include both institutional and individual investors.

Stocks are traded through exchanges. The two biggest stock exchanges in the United States are the New York Stock Exchange, founded in 1792, and the Nasdaq, founded in 1971. Today, most stock market trades are executed electronically, and even the stocks themselves are almost always held in electronic form, not as physical certificates.

If you want to know how the stock market is performing, you can consult an index of stocks for the whole market or for a segment of the market. Examples include the Dow Jones Industrial Average, Nasdaq index, Russell 2000, Standard and Poor’s 500, and Morgan Stanley Europe, Australasia and Far East index.


401k
A 401(k) is a retirement savings plan sponsored by an employer. It lets workers save and invest a piece of their paycheck before taxes are taken out. Taxes aren’t paid until the money is withdrawn from the account.

401(k) plans, named for the section of the tax code that governs them, arose during the 1980s as a supplement to pensions. Most employers used to offer pension funds. Pension funds were managed by the employer and they paid out a steady income over the course of the retirement. (If you have a government job or a strong union, you may might still be eligible for a pension.) But as the cost of running pensions escalated, employers started replacing them with 401(k)s.

With a 401(k), you control how your money is invested. Most plans offer a spread of mutual funds composed of stocks, bonds, and money market investments. The most popular option tends to be target-date funds, a combination of stocks and bonds that gradually become more conservative as you reach retirement.

While a 401(k)can help you save, it has plenty of restrictions and caveats. In most cases, you can’t tap into your employer’s contributions immediately. Vesting is the amount of time you must work for your company before gaining access to its payments to your 401(k). (Your payments, on the other hand, vest immediately.) It’s an insurance against employees leaving early. On top of that, there are complex rules about when you can withdraw your money and costly penalties for pulling funds out before retirement age.

To oversee your account, your employer usually hires an administrator like Fidelity Investments. They’ll email you updates about your plan and its performance, manage the paperwork and assist you with requests. If you want to keep watch over your account or shift your money around, go to your administrator’s web site or call their help center.

With that settled, how much should you put in? As much as possible, being mindful that you’ll need to have enough money to live, eat and pay down any debt you have. At the very least, invest enough to get the full matching amount that your company pays to match your contributions. You don’t want to leave free cash on the table. Nearly every plan offers matching funds—the most popular being 3% of your salary, according to the Profit Sharing/401k Council of America.

So how would a 3% match work? If you put in 3% of your $50,000 salary, or $1,500, your company puts another $1,500 in the pot. You can add more than that $1,500 yourself, but the company won’t match beyond 3%. The rules for matching funds vary, so be sure to check with your employer about qualifying for its contributions.

The IRS mandates contribution limits for 401(k) accounts. For 2007 and 2008, the most you can put into your fund is $15,500 in any combination of pre- and after-tax dollars. If you’re older than 49, you can kick in another $5,000. The total dollar amount that can be contributed—including both your contributions and your employers’—cannot exceed 100% of your salary or $46,000

in 2008. You’ll also want to consider the type of 401(k) you choose. They come in two varieties, the main differences being the tax implications and the schedule for accessing your funds. Chances are your company offers a traditional 401(k). Less common is a Roth 401(k). Here’s the breakdown of each:

Traditional
Wages are contributed before taxes from each paycheck, like a deferred salary.
Taxable income drops by the amount you contribute.
You pay income taxes on contributions and earnings upon withdrawal.
No access to your funds before age 59 ½ or if you leave your employer at age 55 or older.
If you dip in early, expect a 10% penalty — on top of the usual tax bill.

Roth
Contributions are made with money that’s already been taxed.
No taxes paid upon withdrawal.
Better flexibility: free access to your money as long as you’ve held the account for 5 years.

Most companies allow you to enroll in a 401(k) right away, although some smaller employers might make you wait up to a year. If that’s the case, set up an individual retirement account, and lodge a complaint with your employer’s HR office. Some companies will automatically register you. You can normally increase or decrease your contributions at any time. Don’t forget to elect a beneficiary, or the person who gets your money if you die. (If you’re married, your spouse is automatically the beneficiary.)

Finally, if your company is on shaky ground, don’t fret. Your 401(k) is off-limits. If your company goes under, the plan would most likely be terminated. If that happens, you should roll the money over into a traditional IRA to avoid paying the 10% withdrawal penalty and income taxes.

IRA
IRA stands for Individual Retirement Account, and it's basically a savings account with big tax breaks, making it an ideal way to sock away cash for your retirement. A lot of people mistakenly think an IRA itself is an investment - but it's just the basket in which you keep stocks, bonds, mutual funds and other assets.

Unlike 401(k)s, which are accounts provided by your company, the most common types of IRAs are accounts that you open on your own. Others can be opened by self-employed individuals and small business owners. There are several different types of IRAs, including traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs.

Unfortunately, not everyone gets to take advantage of them. Each has eligibility restrictions based on your income or employment status. And all have caps on how much you can contribute each year and penalties if you yank out your money before the designated retirement age.

Gold
HIGHLY RECOMMENDED
For centuries, buying gold has been recognized as one of the best ways to preserve one's wealth and purchasing power. Gold is a unique investment, one that has served mankind well for thousands of years. From the times of ancient Egyptians, Greeks and Romans to more modern times, man has been fascinated with the beauty and magic of gold, and with its power to change men's lives.

Gold bullion is real, honest money...and, many say, the best form of money the world has ever known. It is a store of value and a safe haven in times of crisis. Gold is rare, durable and does not wear out in the manner of lesser metals (or paper!) when passed from hand to hand. A small amount, easily carried, can purchase a significant amount of goods and services. It is universally accepted, and can be easily bought and sold around the world.

Also find questions and answers with more info on the retirement and the gold market:
CLICK HERE FOR MORE GOLD INFO ➤

To request to be a part of any of our retirement programs:
Click HERE to request a FREE Consultation ➤



Terms of Use | Privacy Policy | Disclaimer

1.800.691.3499
info@asberryfinancial.com
Copyright © 2017
Asberry Financial Services
All rights reserved.

Murfreesboro Web Design by
Dragon Digital

Previously Web Design by Andy
»

Site Links


CPN Funding Money
CPN Financial
Stellar Capital
Top Tradelines
Shelf Corp Funding


Other Links


Owensboro Art Fine Art Buy Paintings Murals Rex Robinson Art Center
Video Movie Review Comments Latest Film Review Film Industry
Taylor TX Roofing Taylor Texas Viking Roofing Taylor Roof Repair
Mileti Trucking Truck Repair Cleveland Screamin Demon Monster Truck
Hutto Roofing Hutto TX Roof Repair Hutto Roofing Hutto Texas
Austin Ryan Custom Homes Austin Texas Taylor Texas TX Build Custom Home Austin
Damn Fool Movie Nashville Buy DamnFool Backpage Freaks
Buy Shipping Container Nashville Container Depot Nashville
Print Banners Buy Rite Banner Banners Sticker Bulk Stickers
SmartCare Cell Phone Repair Nashville TN Screen Repair Nashville Tennessee
Red Engineering Nashville TN Robotics Robot Automation Engineering UR Robots
Rural Development Home Loans TN Mortgage TNRD
Swagg Siti Entertainment Music Industry Record Deal Nashville, TN
Store Home Documents Document Filing Automobile Receipts Record Keeping - Home Docs
Store Car Documents Document Filing Automobile Receipts Record Keeping - Car Docs
Mail Love Letter Love Letter advice Love Card - Mate Mailer
Pool Services Repair Maintenance Rosenberg TX Texas - SwimView Pool Services
Find Strange History Funny History Facts Unknown Mystic History - Strangely Historical Newsletter
Buy Red Dot Sight Vortex Sights Coupon - Red Dot Kingdom
HCS Solutions IT Consulting Information Technologies Computer Tech Firm
Basketball Baseball Soccer Tennis Volleyball Training Nashville La Vergne Smyrna Murfreesboro TN Tennessee - Full Court Training
Vacation Condo Gulf Coast AL FL Condos Gulf Coast
Combat Plumbing Pipe Repair Red Oak Dallas TX Texas
Crawl Space repair Maintenance Columbia Tennessee TN - Crawl Space Tenn
Telecommunications Services Houston Portland - Amalfi Telecom
Buy Arcade Amusement Coin Op Machine - Key Master Machine
Buy Rugged Tablet Grugged - PCN Strategies Grugged
Truck Preventative Maintenance Onsite Lube Nashville - ArmorPM
Buy Repair Partitions Nashville - Southeast Partitions
B.E.S.T. Performance Racing - Car Racing Performance Parts Buy Online
In Cyber News - Cyber Security Threat Hacking News
GES Global - Green Energy Solutions - Power Saving
Air and Energy Solutions - Jackson TN Air Conditioning
Bible Baptist Church - Russelville Arkansas
Rockledge United Methodist Church - Rockledge Florida
Republic Vape Company - Nashville Vape Store
Murfreesboro Tennessee Mortgage - Mortgage - Refinance - Home Loans
Auburn Opelika Alabama Mortgage - Mortgage - Refinance - Home Loans
Shelbyville Tennessee Mortgage - Mortgage - Refinance - Home Loans
Tullahoma Tennessee Mortgage - Mortgage - Refinance - Home Loans
Manchester Tennessee Mortgage - Mortgage - Refinance - Home Loans
Nashville Tennessee Mortgage - Mortgage - Refinance - Home Loans
Southern Way Entertainment - Nashville Music TV Label Distributor
Hooligan Cycles - Murfreesboro TN Motorcycle Chopper Sales
Southern Woods Rider - Murfreesboro TN Dirt Bike Off Road Motorcycle Racing
Asberry Financial Services - CPN/SCN, Tradelines, Credit Repair, Funding, Shelf Corps Brokers
MX-Duro - Dirt Bike Racing Circuit Mid South
Oprea Personal Fitness - Erin Oprea - Professional Fitness Trainer - Celebrity Personal Trainer Nashville
Erin Oprea - Professional Fitness Trainer - Celebrity Personal Trainer Nashville
HVAC Green Chip - Energy Saving HVAC Device
I Do Photography - Nashville Murfreesboro Wedding Photography
Sharpening Beyond - Nashville La Vergne Shear Scissor Sharpening Service
A Window of History - Antiques and Vintage Owensboro West Kentucky
Obscurateez T-Shirts - Obscure Odd Oddball T-Shirts Abstract
Preservation Station - Antiques and Vintage Vendor Sales Market Place Owensboro West Kentucky
Safe Watch America - Emergency Medical Alert Devices Safety Elderly Senior Care
Save for Kids - Coupon Saving System Charity for helping kids in need
Hair Rambee - Nashville Smyrna Franklin Premium Real Weaves Wigs Hair Accessories