Stock and Bond Alternatives

What Stock and Bond Investing Alternatives Do I Have?

许多谨慎的投资者可能至少持有一部分股票或公司债券,或两者兼而有之. 事实上,当大多数人想到“投资”时,他们想到的是华尔街和股票市场. 许多人没有意识到,除了持有个股之外,还有其他投资股票的方式.

Mutual Funds

A mutual fund is a collection of stocks, bonds, 或由专业投资公司管理的其他证券.

一个典型的共同基金可能持有几十种不同的证券. This offers some measure of diversification; a sharp decline in an individual security wouldn’t be nearly as damaging to your portfolio as it would be if you owned only a few securities. Diversification is a method used to help manage investment risk; it does not guarantee a profit or protect against loss.

Mutual funds are professionally managed. 基金经理根据基金的目标,将注意力集中在证券买卖上. 共同基金的最低投资额通常只有1000美元,有些基金甚至会接受更低的投资额.

共同基金的回报和本金价值随市场状况的变化而波动. 当出售或赎回股票时,其价值可能高于或低于其原始成本. Bond funds are subject to the interest rate, inflation, 以及与基金标的债券相关的信用风险. As interest rates rise, bond prices typically fall, which can adversely affect a bond fund's performance.

Variable Universal Life Insurance

可变万能寿险(VUL)保单的操作与“传统”万能寿险保单非常相似. 作为保险费的交换,保险公司提供死亡抚恤金. And, just like more traditional life insurance policies, the policy's cash value accumulates tax deferred.

但这里有一个独特的区别:你决定如何在投资子账户中分配保费. 对于大多数保单,您可以从几个不同的投资子账户(或投资选项)中进行选择. 这些投资选择可让您参与金融市场,并体验相关证券实现的收益和损失.

当考虑这个产品时,你应该需要人寿保险. The cash value of a VUL policy is not guaranteed. 可变子账户的投资回报和本金价值将会波动. Your cash value, and perhaps the death benefit, 是否由所选子帐户的性能决定. 如果提取的金额超过保单所规定的金额,可能会被收取退保费,并须纳税. 保单贷款或提款将减少保单的现金价值和死亡赔偿金, 并可能需要额外的保费支付,以保持保单的有效性. 与VUL保单相关的可能还有其他费用.

Variable Annuities

With a variable annuity, you invest a sum with an insurance company, just as you would with a fixed annuity. 而不是把钱投资到保险公司的普通账户上, as with a fixed annuity, 你的钱被投资在一个独立的账户里,这个账户由许多不同的投资子账户组成. 您指定您的年金将有多少投资于各个子账户,您的回报将基于您选择的投资的表现.

There are contract limitations, fees, and charges associated with variable annuities, which can include mortality and expense risk charges, sales and surrender charges, investment management fees, administrative fees, and charges for optional benefits. 提款会降低年金合同的收益和价值. Variable annuities are not guaranteed by the FDIC or any other government agency; they are not deposits of, nor are they guaranteed or endorsed by, any bank or savings association. 提取年金收入按普通收入征税,如果在59岁半之前提取,可能要缴纳退缴费,外加10%的联邦所得税罚款. 任何担保都取决于发行公司的财务实力和赔付能力. 可变年金子账户随市场状况的变化而波动, and when the annuity is surrendered, 你的本金可能比最初投资的金额多或少.

共同基金、可变年金和可变万能人寿保险通过招股说明书销售. 请在投资前仔细考虑投资目标、风险、费用和费用. The prospectus, 其中包含这个和其他关于共同基金的信息, variable annuity contract, 或者是可变万能寿险和它们的投资选择, can be obtained from your financial professional. 在决定是否投资之前,一定要仔细阅读招股说明书.

 

本通讯中的信息不打算作为税收, legal, investment, or retirement advice or recommendations, 而且,为了避免任何联邦税收处罚,也可能不会依赖它. 我们鼓励您向独立的税务或法律专业人士寻求指导. 这些内容的来源被认为是准确的. 所提供的资料或所表达的意见,均不构成买卖任何证券的邀请. 本材料由Broadridge Advisor Solutions撰写并准备. © 2021 Broadridge Financial Solutions, Inc.