Archives for November, 2012

29 Nov 2012
0

Introducing our Tools & Calculators

Perhaps one of the most challenging aspects of being a self directed investor is that you need actionable advice in order to make the best decisions about your future. Because of this, we’ve developed a suite of calculators to help you evaluate your present and future investment decisions.

Right off the bat, we’ve produced 4 highly-demanded calculators. Our most basic one is the Compound Interest calculator, which allows you to estimate how much your investment might grow over time using the power of compounding interest.

Our “What Account is Right for Me?” calculator allows you to determine – based on future contributions and your retirement time horizon – whether you benefit more from investing your retirement funds in to a Traditional IRA or a Roth IRA. Knowing the difference between accounts could mean tens- or hundreds-of thousands of additional dollars at the time of your retirement.

If you already have a balance in a Traditional, Simple, or SEP IRA, you may be wondering if it’s worthwhile to convert your balance in to a Roth IRA. Though you may spend some extra money on taxes in the short run, the long term benefits of a Roth IRA should not be overlooked – as the taxes on the principle and the earnings will already have been paid by the time you retire. Because of this, we’ve developed an innovative Roth IRA Conversion Calculator that allows you to estimate virtually every condition of your retirement plan and provides you with a clear answer based on your expected tax rate at retirement (the ultimate factor when deciding to stay in your Traditional IRA or convert to a Roth). We also provide guidance for a gradual conversion to a Roth IRA – something nobody else offers.

Finally, for those of you entering the world of Self Directed Investing from a more traditional investment strategy, we’ve included a powerful Portfolio Analysis tool. This tool is designed to help you re-allocate your investments based on the wider range of available investments – such as trust deeds, precious metals, real estate, and more. We’ve even provided a structure to allow you to choose what sort of market you think we’ll face in the future – ranging from a future depression / recession to a booming economy. This ensures that you can make the decision that is right for you and your family and hedge against downturns in the economy.

Of course, all our tools are free to use for our members – so we invite you to join USelfDirect. Membership is free and signing up takes less than 30 seconds! Become part of the fastest-growing self directed investor community and discover why USelfDirect is leading the way to financial solutions for the 21st century.

4 Nov 2012
0

A New Way to Save Tax-Free

Startling statistics and a must read. It’s amazing that only 11 percent of Americans think that retirement is to include leisure and travel. The rest for the most part are just hoping they can pay their bills or sustain how they live. As Americans we should not lower our expectations on how we are going to live during retirement. But we must not either expect someone else to do it for us. Majority of the pensions are gone now so it makes it more important that you know where your money is and what it’s doing for you. Plan and save and educate yourself!!! It’s essential. The stats in this article are a must read.

Src: http://money.cnn.com/2011/05/13/pf/roth_ira_tax_loophole.fortune/index.htm

Taxes

No tags here

4 Nov 2012
0

Age 71, and Taking Too Many Risks

In this article it’s important to note a couple of items. First this particular person has a large portion of the funds she manages in one place. That place is not something she can control at all and does not need that risk in her life. Second she has tried to diversify herself by putting funds into several places but places she doesn’t understand. Invest in what you know! At least With a portion of your funds. You do not have to manage all of your money but if your going to step out of the box do it in places you understand.

Src: http://money.cnn.com/2011/06/24/retirement/money_makeover_risks_berne.moneymag/index.htm

Retirement

No tags here

4 Nov 2012
0

When a 401(k) is Locked in the Freezer

As many of you know, many companies today are in trouble. They are facing financial challenges that may drive them into bankruptcy or out of business all together. The question is – What happens to the company employees when this happens? What happens to people who have dedicated years of their lives to these companies? What happens to the very people responsible for decades of profits?

What few people fail to realize, is that company sponsored retirement programs that are managed by a third party can become literally trapped when a company falls into bankruptcy or shuts its doors. Worse still, the employees that spent years putting aside money for their own financial security, can be left stranded and helpless to get control of their own money. Those are NOT company monies, those are personal investment funds. However, the legal process to establish and retake that control can take months and even years.  That’s right – YEARS before you can get your own retirement money back under your control.

This New York Times article by Gretchen Morgenson tells one of those very real and very sad stories. This is just another example of why no American should surrender control of their financial future to anyone, even their own employer. Self directed investing is absolutely THE way to invest. It keeps you in control of your hard earned cash. It keeps your family’s financial future where it belongs – in your own hands.

Read the full article, and realize that this is a sad possibility that too many American’s, like you, face today. Take control now!

http://www.nytimes.com/2012/08/26/business/401-k-woes-when-a-company-goes-bankrupt-fair-game.html?_r=1&smid=tw-share

Retirement

No tags here

4 Nov 2012
0

IRA’s get Sexier

Presidential candidate Mitt Romney has gotten lots of attention for holding as much as $100 million in his individual retirement account…  That’s right, top leaders in this country understand the powerful financial tool that Self Directed investing is.  Experienced investors like Mitt Romney (and newbies alike), have taken control of their financial futures

This article, by Laura Sanders, investigates the every day and exotic investments that are being made today with Self-Directed accounts.   It is packed full of information about how self-directing is taking center stage.  And, how every day people are just now obtaining the information that they need to invest in what they already know!

To read the complete Wall Street Journal article: visit http://online.wsj.com/article/SB10001424052970204571404577253411744719228.html

Self Directed Accounts

No tags here