Many experts agree that Social Security may not exist in the same form for future retirees. That is why it is important now more than ever to plan for retirement.

Where should I invest my retirement assets?

Traditional IRA's
An IRA account may contain a variety of investments such as mutual funds, stocks, bonds and variable annuities. Interest and dividends are not taxed until withdrawal. There are generally penalties for early withdrawal.

Roth IRA's
Like a traditional IRA eligible individuals may contribute into a variety of investments.

Mutual Funds
If you will be retiring in 5 years or more, it is likely that the best place for your retirement assets are in growth oriented investments such as mutual funds that invest in stocks or invest globally. Investment Capital specializes in these types of investments and we can help with every step of your retirement plan.

Business Retirement Plans
Many employers offer plans to benefit their employees during retirement. 401K plans are a popular example. An employee, the employer or both may contribute depending on the plan. Contributions and earnings are not taxed until withdrawal. There are severe penalties for early withdrawal. It's most likely that you should be taking advantage of any retirement plan your employer offers.

Types of Retirement Plans

Defined Benefit Plan
Gaurantees a specified dollar amount when you retire.

Defined Contribution Plan
Contributions are made to a retirement account by you or your employer or sometimes both. The benefit amount depends on how much is contributed, plan management and economic conditions.

Profit Sharing Retirement Plans
Plan funded by a company and is usually based on annual profits. Contributions are determined by the company. In some years there may be no contributions.

Have Questions or Suggestions?
If you can't find answers or have suggestions email info@investorscapital.com
or call 800-949-1422 Mon-Fri 8:30 - 5:00 (EST)