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When a company goes looking for capital, it goes to the "market". It can take out loans, in the form of bonds or it can offer ownership, in the form of stock. We offer listed stocks and investments in the following forms:
These type of investments allow people to participate directly in the cash flow and the tax benefits of the underlying investments1. Typically they are illiquid long term investments. We carry the following types of DPPs depending on availability of the product and suitability to your portfolio:
Equity Indexed and Fixed Annuities Fixed Annuities are insurance contracts. The contract holder is guaranteed, by the insurance company, the return of the initial premium and a fixed rate of return. There is a contract period and typically penalties for taking premium out prior to termination. Equity Indexed Annuities (EIAs) offer a minimum guaranteed rate combined with an interest rate rate linked to a market index . The crediting methods can be complicated but suitable products can be found with the help of trained professional. See FINRA Article Single Premium Immediate Annuity (SPIA) SPIA's are insurance contracts. The contract holder is guaranteed, by the insurance company, a stream of income payments for an initial premium. Monthly income checks can come in for one's life time or a specified period of time.
1. Barron's Dictionary of Finance and Investment Terms, 5th ed |
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