m*****i
发帖数: 4342 | 1 If you are 70 years old, and you have 1 million dollar.
You are not supposed to invest lots of money in the stock and invest most of
your money in fixed income.
With the current rate, 1 million will only net you 20,000/year if you invest
your money in 10 year note.
Also, asset allocation does not make much more sense then just move your
money in Cash. |
v****e
发帖数: 19471 | 2 this is why so many retirees are moving a big portion of their savings into
gold -- they got no choice. equity is so volatile, fix income yields next to
nothing, and real estate is still declining.
of
invest
【在 m*****i 的大作中提到】
: If you are 70 years old, and you have 1 million dollar.
: You are not supposed to invest lots of money in the stock and invest most of
: your money in fixed income.
: With the current rate, 1 million will only net you 20,000/year if you invest
: your money in 10 year note.
: Also, asset allocation does not make much more sense then just move your
: money in Cash.
|
s********i
发帖数: 17328 | 3 70岁了1个million，还不赶紧花了，投什么资啊。 |
w*****7
发帖数: 5038 | 4 现在活到一百的不少
大家都DREAM自己能到一百岁
【在 s********i 的大作中提到】
: 70岁了1个million，还不赶紧花了，投什么资啊。
|
m*****i
发帖数: 4342 | 5 Most people can live well over 80 now, people still want to leave something
for their kids.
【在 s********i 的大作中提到】
: 70岁了1个million，还不赶紧花了，投什么资啊。
|
m*****i
发帖数: 4342 | 6 Golden age in Gold, not a bad idea:).
into
to
【在 v****e 的大作中提到】
: this is why so many retirees are moving a big portion of their savings into
: gold -- they got no choice. equity is so volatile, fix income yields next to
: nothing, and real estate is still declining.
:
: of
: invest
|
a***s
发帖数: 5417 | 7 401k人死了给孩子继承的话要征税吗？
something
【在 m*****i 的大作中提到】
: Most people can live well over 80 now, people still want to leave something
: for their kids.
|
m*****i
发帖数: 4342 | 8 Depends on the size of your estate. No tax for 5 million (individual) and 10
million for married couple.
Rich people can get away by doing the estate planning, for example, buy a
big life insurance, so you are the beneficial for the policy. You don't pay
tax on insurance payout.
【在 a***s 的大作中提到】
: 401k人死了给孩子继承的话要征税吗？
:
: something
|
w**j
发帖数: 1032 | 9
10
pay
will the insurance company be so dumb?
【在 m*****i 的大作中提到】
: Depends on the size of your estate. No tax for 5 million (individual) and 10
: million for married couple.
: Rich people can get away by doing the estate planning, for example, buy a
: big life insurance, so you are the beneficial for the policy. You don't pay
: tax on insurance payout.
|
s*******e
发帖数: 68 | 10 My company insurance broker did tell us that there is tax for life insurance
beneficiary. Maybe different states have different rules?? |
G*******s
发帖数: 10605 | 11 gold is pretty risky too, do you know the beta of GOLD?
into
to
【在 v****e 的大作中提到】
: this is why so many retirees are moving a big portion of their savings into
: gold -- they got no choice. equity is so volatile, fix income yields next to
: nothing, and real estate is still declining.
:
: of
: invest
|
m*****i
发帖数: 4342 | 12 Life insurance and taxes
Good news -- life insurance death benefits are not subject to income
taxes, so the amount you buy is the amount your heirs will receive.
Hope this helps.
Kim Lankford, Kiplinger's
Read more: http://forums.kiplinger.com/showthread.php?1416-Taxes-on-Life-Insurance&s=932db06820a25b7da0d38022403651de#ixzz1UgnRAqz8
Become a Fan of Kiplinger's on Facebook
Basically, You transfer the asset into life insurance policy and they pay
you back in the form of life insurance benefit. Of course, the insurance
brokers will also make some money in the process.
insurance
【在 s*******e 的大作中提到】
: My company insurance broker did tell us that there is tax for life insurance
: beneficiary. Maybe different states have different rules??
|
s*******e
发帖数: 68 | 13 现在还年轻,没关注过这个.
名菜总是很nice,谢过. |
s*****r
发帖数: 11545 | 14 Estate tax, inheritance tax, and income tax are different taxes. Life
insurance policy may escape from inheritance tax and income tax, but it is
still subject to estate tax to that extent that it exceeds the unified
credit.
【在 m*****i 的大作中提到】
: Life insurance and taxes
: Good news -- life insurance death benefits are not subject to income
: taxes, so the amount you buy is the amount your heirs will receive.
: Hope this helps.
: Kim Lankford, Kiplinger's
: Read more: http://forums.kiplinger.com/showthread.php?1416-Taxes-on-Life-Insurance&s=932db06820a25b7da0d38022403651de#ixzz1UgnRAqz8
: Become a Fan of Kiplinger's on Facebook
: Basically, You transfer the asset into life insurance policy and they pay
: you back in the form of life insurance benefit. Of course, the insurance
: brokers will also make some money in the process.
|
