Company sponsored retirement saving account.
Pre-tax dollar contributions, employees may match contributions, taxed as ordinary income when funds are distributed.
Savings account for education.
Must be used for education, not subject to taxes.
Savings account for minors.
Distributed to minor at age 18, gains are taxed at child rate.
Retirement saving accounts
Contributions are not tax deductible, not subject to taxes when funds are distributed.
Ordinary investment account, most flexible, no tax benefits.
Retirement savings account
Contributions are tax deductible, not subject to taxes when funds are distributed.
Assets other than stocks, bonds, and cash.
Ex: Real Estate, Gold, Soybeans
Bonds that have a low credit rating.
These assets tend to provide high yields and higher risk.
Ex: BB grade bonds and lower
Companies outside the United States.
Returns can be reliant on a country’s stability.
Ex: Alibaba Group Holdings, JD.com Inc., Teva Pharmaceutical Industries
Bonds that have a medium to high credit rating.
These assets tend to provide low yields and lower risk
Ex: AAA through BBB grade bonds
Companies with a valuation over $10 billion.
These companies may grow slower and can be seen as safer.
Ex: Apple, Microsoft, Google
Companies with a valuation between $2 and $10 billion.
These companies tend to be more risky than large caps but less risky than small caps.
Ex: Papa John’s, Five Below, Freshpet
Short term investments
Ex: Usually involving Treasury Bills or commercial paper
Real estate investment trust.
Companies own, operate, and/or finance real estate properties. Real estate held in these portfolios include but are not limited to data centers, healthcare facilities, and cell towers.
Ex: American Tower, Simon Property, Vornado Realty Trust
Companies with a valuation less than $2 billion.
These companies may grow faster and can be seen as risky.
Ex: GoPro, Barnes & Noble Education, Callaway Golf