{"id":1756,"date":"2010-08-26T00:01:31","date_gmt":"2010-08-26T06:01:31","guid":{"rendered":"http:\/\/ishmaels.net\/blog\/?p=1756"},"modified":"2010-08-26T00:01:31","modified_gmt":"2010-08-26T06:01:31","slug":"investment-options-is-your-advisor-giving-you-the-information-needed-to-succeed","status":"publish","type":"post","link":"https:\/\/www.ishmaels.net\/blog\/2010\/08\/26\/investment-options-is-your-advisor-giving-you-the-information-needed-to-succeed\/","title":{"rendered":"Investment Options \u2013 Is Your Advisor Giving You the Information Needed to Succeed?"},"content":{"rendered":"

Hopefully you are doing a lot of your own study and investing decisions. Putting it all on an advisor is not a good thing as they do not really have all your best interest<\/strong> at heart. How could they? They are not you and have only a “reward” interest<\/strong> in your investing. (Their reward not yours). – WD0AJG\t\t<\/p>\n

How soon would you want to know if your investment advisor wasn’t telling you about the three major investment types? If you’ve only heard of two – Variable and Fixed, then you may have a problem.<\/p>\n

Unfortunately, many investment advisors routinely fail to present all three types: Variable, Fixed, and Indexed as valid investment choices to their clients. This is normally because they are unable to offer all three options or they have a personal dislike for one<\/strong> or more of these investment types.<\/p>\n

So what is the difference in these investment types and what do the terms mean? The simplest answer is that these terms define how interest<\/strong> is earned on your investment. More specifically, it tells you how your money is invested and if your money is protected from market<\/strong> fluctuations. Let’s take a look at these various investment options.<\/p>\n

Variable<\/p>\n

A Variable investment is one<\/strong> where your money is typically invested in stocks or mutual funds. The performance of these stocks or funds varies and is not guaranteed – hence the term “variable investment.” Variable investments have many key benefits. They allow you to earn interest<\/strong> by investing in a single company (individual stock), multiple companies, or a specific segment of the market<\/strong> (mutual funds). You can even invest in an entire Index<\/strong> like the Dow Jones or S&P 500. Also, variable investments allow for the greatest return and historically have outpaced all other investment options.<\/p>\n

Sounds pretty good, right? It is, as long as you have the tolerance to lose money as well. The volatility of variable investments is a major concern for many investors. The “upside” or growth potential is nearly unlimited, unfortunately so is the “downside” or risk<\/strong> of losing money.<\/p>\n

One other adverse factor that Variable investments face is the cost. Most have either fees or loads associated with the underlying investments. These fees or loads can reduce the performance by as much as 3.5%, although 1-2% is more common. These fees or loads are applied even in down years so it is definitely something to consider.<\/p>\n

Fixed<\/p>\n

A Fixed investment offers a pre-determined or fixed interest<\/strong> rate for a specified period<\/strong>. This is most commonly seen with bonds, CD’s, annuities and universal life insurance<\/strong> products.<\/p>\n

Fixed investments have three major advantages over the other options. First, they provide a guaranteed or known interest<\/strong> rate that is disclosed prior to making your investment. Second, fixed investments are generally designed to protect your initial or principal investment.<\/p>\n

A Fixed investment also has two major pitfalls. First, because they provide a known or guaranteed interest<\/strong> rate, they generally provide a lower rate than what may be available when you’re willing to risk<\/strong> your principal. Second, they normally have restrictions or penalties associated with any withdrawals made during the fixed interest<\/strong> rates term period<\/strong>. This is especially true with CD’s and annuities.<\/p>\n

Overall, Fixed investments can be a great option for those not willing to risk<\/strong> some or all of their money, older clients using the investment interest<\/strong> to provide or supplement their income, and clients looking to provide a hedge against other, more aggressive investments.<\/p>\n

Indexed<\/p>\n

Unlike Fixed and Variable investments, Indexed investments are somewhat unique to the insurance<\/strong> and annuity marketplaces. An Indexed investment shares traits of both Fixed and Variable investments, but with one<\/strong> major difference – how interest<\/strong> is earned.<\/p>\n

With an Indexed investment the underlying funds are not directly invested in the stock<\/strong> market<\/strong> or an Index, nor are they directly invested in a bond, CD, or other fixed investment. They are however, secured by bonds or other conservative investments which provide a minimum guaranteed interest<\/strong> rate similar to a fixed investment.<\/p>\n

Generally, this minimum or fixed rate is lower than what is available in a purely fixed product. This is because Indexed products offer a higher maximum interest<\/strong> rate over Fixed investment products. The Indexed products determine the maximum interest<\/strong> earned using a formula based on three factors, all part of an option purchased by the insurance<\/strong> or investment company. They are the participation rate, the cap rate, and the reset period<\/strong>.<\/p>\n

The maximum interest<\/strong> earned provides “upside” potential while at the same time eliminating “downside” risk<\/strong>. In essence, it is like having the growth potential of a Variable investment with the “downside” protection of a Fixed investment. There is however a trade-off.<\/p>\n

An option, sometimes referred to as a call or put option, provides investment returns (interest<\/strong> earned) based on the growth of a specific market<\/strong> Index<\/strong> like the S&P 500 or Dow Jones. The option allows for lower initial costs, a pre-determined strategy for establishing current and future interest<\/strong> crediting, and ensures that money can’t be lost due to market<\/strong> fluctuations. The option also caps (limits) upside potential or growth.<\/p>\n

Many opponents of Indexed investments point to this limiting of growth, especially in years were the Index<\/strong> or stock<\/strong> market<\/strong> exceeds the Index<\/strong> (option) cap or participation rates, as the Achilles heel of these products. There is also some controversy over the way the Index<\/strong> rate is determined in future years.<\/p>\n

While Indexed products do have a minimum cap and participation rate that is known for the entire term period, the current or maximum cap and participation rates normally reset on an annual basis. This makes it difficult to determine what will happen in subsequent years. Some advisors avoid these products claiming that the difference between the current and minimum rates creates client confusion.<\/p>\n

No matter which type of investment you choose, it is important to get the facts and options available for each. Each of the investment choices outlines provides different advantages that need to be weighed against their disadvantages, however they all have different uses and can all be viable choices when planning your financial future. As always, it is important to consult your “Financial Professional” to find out which of these investment choices is right for you.<\/p>\n

Ryan Pinney is a Financial Professional, educator, and writer for the financial education website http:\/\/www.TheProAdvisor.com<\/a> and a Brokerage Director with Pinney Insurance Center, Inc – http:\/\/www.PinneyInsurance.com<\/a> .<\/p>\n

Ryan has written many articles on insurance, investing, estate planning, and taxation and his firm, Pinney Insurance, is one<\/strong> of the nation’s largest and most respected providers of insurance<\/strong> and investment products with 6 offices and over 4,000 licensed insurance<\/strong> agents and investment advisors across the country.<\/p>\n

Author: Ryan Pinney<\/a>
Article Source: EzineArticles.com<\/a>
Humorous photo captions<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

How soon would you want to know if your investment advisor wasn’t telling you about the three major investment types? If you’ve only heard of two – Variable and Fixed, then you may have a problem. <\/p>\n

“And Now the Rest of the Story – “Investment Options \u2013 Is Your Advisor Giving You the Information Needed to Succeed?<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[12],"class_list":["post-1756","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-christmas-letters","odd"],"yoast_head":"\nInvestment Options \u2013 Is Your Advisor Giving You the Information Needed to Succeed? - And That was How it Went<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ishmaels.net\/blog\/2010\/08\/26\/investment-options-is-your-advisor-giving-you-the-information-needed-to-succeed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investment Options \u2013 Is Your Advisor Giving You the Information Needed to Succeed? - And That was How it Went\" \/>\n<meta property=\"og:description\" content=\"How soon would you want to know if your investment advisor wasn't telling you about the three major investment types? 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The reason is simple: You are likely to be more comfortable in investing your money if you understand the lingo and basic principles\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1255,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/31\/rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments\/","url_meta":{"origin":1756,"position":1},"title":"Rules for Investing- How To Build a Portfolio of Safe, Secure Investments","author":"wd0ajg","date":"July 31, 2010","format":false,"excerpt":"In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for your circumstances. Your investments will also need to be safe and easy to manage. Safe investing is easy as long as you know and follow the basic rules.","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2608,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/10\/13\/understanding-your-investment-style\/","url_meta":{"origin":1756,"position":2},"title":"Understanding Your Investment Style","author":"wd0ajg","date":"October 13, 2010","format":false,"excerpt":"Determining the style of investing that best fits your personality, life situation, and financial goals is the most important step toward making successful investments. However, no matter which approach to investing you take, always do your due diligence.","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1130,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/27\/new-to-investing-simple-guidelines-for-success\/","url_meta":{"origin":1756,"position":3},"title":"New to Investing? Simple Guidelines for Success","author":"wd0ajg","date":"July 27, 2010","format":false,"excerpt":"A financial adviser and friend once told me, \"It doesnt matter how good of job someone has, if they want to acquire wealth in this life, at some point they are going to have to invest in something.\" Here are a few basic ideas and tips for someone just beginning\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4987,"url":"https:\/\/www.ishmaels.net\/blog\/2011\/02\/19\/investing-basics-the-ultimate-top-tips-for-creating-a-successful-investing-strategy\/","url_meta":{"origin":1756,"position":4},"title":"Investing Basics – The Ultimate Top Tips for Creating a Successful Investing Strategy","author":"wd0ajg","date":"February 19, 2011","format":false,"excerpt":"Investing is not just a case of finger in the air hit or miss. By developing the basic ground rules of how you approach your investing activities, you can make sure you actually make a good profit as opposed to a huge loss!","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3692,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/21\/investment-portfolio\/","url_meta":{"origin":1756,"position":5},"title":"Investment Portfolio","author":"wd0ajg","date":"December 21, 2010","format":false,"excerpt":"Investment portfolio could be defined as a pool of different investments by which an investor bets to make profit while aiming to preserve his invested amount at the same time. The diversity of the investments in an investment portfolio depends upon the investors estimates of both risks and returns.","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts\/1756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/comments?post=1756"}],"version-history":[{"count":0,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts\/1756\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/media?parent=1756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/categories?post=1756"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/tags?post=1756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}