Content tagged "investing"

Can Money Withdrawn From a 403(b) Plan in Retirement Be Put Into a Roth IRA?

Personal Finance Updated: February 07, 2017

It depends. You must have earned income to contribute to an IRA of any type, including a Roth IRA. This means that you must have a salary, hourly wage, or...

What were Traditional IRA and Roth IRA Contribution Limits in the Past?

Personal Finance Updated: February 07, 2017

Individual retirement accounts (IRAs) were introduced in 1974. Anyone with earned income can make the maximum traditional IRA contribution as long as they...

How Do You Purchase Stock From a Company That is Going Public?

Personal Finance Updated: February 07, 2017

You are talking about an IPO (initial public offering). You should be able to get information (e.g., company research) from a stockbroker. Also, visit an...

How do Spousal IRAs Work?

Personal Finance Updated: February 07, 2017

Spousal IRAs are a type of individual retirement account designed for married couples where one spouse is not employed. The working spouse may contribute up...

How Does a Target Date Mutual Fund Work?

Personal Finance Updated: February 07, 2017

With a target date mutual fund, investors simply need to pick a fund with a date at or near the year that they expect to retire. For example, there are funds...

Monthly Investment Message: July 2016

Personal Finance Updated: August 02, 2016

Barbara O’Neill, Extension Specialist in Financial Resource ManagementRutgers Cooperative Extensiononeill@aesop.rutgers.eduJuly 2016Challenge Yourself to...

Investing for Your Future

Personal Finance Updated: January 05, 2016

  A Cooperative Extension System Basic Investing Home Study CourseSponsored by Rutgers Cooperative Extension in cooperation with the U.S. Department of...

Can I roll over or transfer a fixed deferred annuity tax free?

Personal Finance Updated: December 08, 2013

Fixed annuities are similar to bank certificates of deposit (CDs) in that they earn a guaranteed interest rate for a set period of time. Two major...

What are "ownership" and "loanership" types of investments?

Personal Finance Updated: December 08, 2013

There are two basic ways to invest money. You can lend it to pay for a company’s or the government’s debt ("loanership" investment), or you can own the...

What does the (NYSE) number mean, and how is it derived? In other words, when they say "the market is down 777 points today," what do the "points" represent?

Personal Finance Updated: December 08, 2013

Think of the NYSE (New York Stock Exchange) as a marketplace where stocks are traded. The Dow Jones Industrial Average (sometimes referred to as the Dow or...

How is the interest rate on EE U.S. savings bonds determined?

Personal Finance Updated: December 08, 2013

Effective May 1, 2005, the interest rate on new Series EE bonds is fixed for the life of the bond. Existing Series EE bonds purchased before May 1, 2005,...

Please give an example of the principle of risk-return trade-off.

Personal Finance Updated: December 08, 2013

When investors take more risk with their investments, they generally have the potential for, but not a guarantee of, a higher average return. For example,...

What does it mean when you have pre-tax dollar health insurance premiums deducted from your pay?

Personal Finance Updated: November 26, 2013

When you pay for benefits such as health insurance with pre-tax (also called before-tax) dollars, the deductions are taken off your gross income before...

What is the Rule of 72? How is it used in investing?

Personal Finance Updated: February 28, 2013

The Rule of 72 is useful for understanding compound interest because it shows the approximate time or interest rate required to double a sum of money (e.g.,...

What are the most common investment objectives of mutual funds?

Personal Finance Updated: February 27, 2013

Three words are commonly used to describe the objectives of mutual funds: growth (also known as capital appreciation), income, and preservation of capital....

What are some types of growth-oriented investments in addition to company stock?

Personal Finance Updated: February 27, 2013

Below is a description of several common growth-oriented investments:• Real estate investment trusts (REITs) and real estate limited partnerships provide...

How can I tell my investment risk tolerance?

Personal Finance Updated: February 26, 2013

Risk—and how well you handle it—should help determine your investment decisions. For a personalized risk tolerance score, visit the Rutgers Cooperative...

Do I have to pay capital gain taxes on my required minimum distribution (RMD)?

Personal Finance Updated: July 12, 2012

To calculate your RMD, divide the amount of money held in your tax-deferred account(s) at year end by the number of years left in the account owner's life...

Investment Risk and Risk Reduction Strategies

Personal Finance Updated: April 20, 2012

Dr. Barbara O'Neill, Extension Specialist in Financial Resource ManagementRutgers Cooperative Extensiononeill@aesop.rutgers.eduDid you ever wish that there...

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