Archive for January, 2015

Shaky January Might Equal Shaky Year. Diversify With A Self-Directed IRA.

Monday, January 12th, 2015

Shaky Stocks In January

We are sure seeing a shaky start to the stock market this new year. I heard something on a news station the other night that talked about the January Effect. The simple explanation of the January Effect is, "as goes January, so goes the year." In other words, the performance of January is a good indicator of how the year will turn out.

After hearing this on the news I wanted to know more about this statement and what other stock market professionals thought.  It appears that there are a varying degree of thoughts. Some believe the statement because historical performance goes inline with the January Effect. While others say that past performance can be no guarantee of future performance.

Whether you take the January Effect as your barometer for the year or not each sentiment has its fair share of stats to "prove" why you should or shouldn't take the January Effect as your barometer to gauge the performance for the rest of the year.

Here are two basic stats to give you an idea of what I am talking about. Using the S&P 500 index and going back to 1951 we calculate that in 75% of years, the return, whether positive or negative mirrored the return of January. So if January was up 75% of the time the year was up and when January was down 75% of the time the year was down. That is some great historical data to "prove" that you might want to take the January Effect into consideration.

So how is the S&P shaking out so far for January? As of mid-day 1/9/2015 it is in the red at -.58. If this pattern continues throughout the month we are most likely going to see a down year. The bigger the fall for January the more likely the fall for the year.

What does this mean for investing in 2015? If you are skeptical about the future for this year and are trying to do things that will help your retirement portfolio I have a couple of great options that you may want to look at.

Many investment professionals would suggest that one great way to help you stay competitive and safe through an iffy market would be to have a portfolio that is diversified. This is a suggested tactic by many investment professionals no matter what type of market we are currently in. I totally agree with a diversified portfolio.

There are plenty of ways investment professionals can help you get a diversified portfolio but I like the idea of diversifying outside of the stock markets with my IRA and 401k. Investing in some real tangible hard assets. Some of the tangible assets I am talking about are real estate or some type of precious metals like gold or silver. In order to invest in a real estate property or even gold or silver you have to have a self-directed IRA. Self-directed IRAs are the same thing as a regular IRA but with one difference. The difference is that the custodian (investment firm) allows for alternative investments into things like real estate, gold, private placements and much more.

These are the types of things that can truly diversify your retirement portfolio outside of the stock market. I wrote another piece as to why 2015 might be a great year for investing in real estate. Check it out and learn more about what we can do for you and your retirement investing.

We can help you invest in the things you have always wanted to invest in all while getting the tax advantages of an IRA or 401k.

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Now May Be A Great Time To Invest In A Gold IRA or Silver IRA

Thursday, January 8th, 2015

There are plenty of different types of investments that you can invest in with a self-directed IRA. One of the most popular investments is investing in precious metals, namely gold and silver. These are commonly referred to as a gold IRA or silver IRA. Because investing in gold and silver is so common inside of could now be a time to buy gold or silver to maximize your retirement profits?

Let's look at a couple of reason why investing in gold and silver may be a great option for you inside of gold IRA or silver IRA or if you prefer both, a precious metals IRA.

The Cost of Gold and Silver 

Costs are near lows that haven't been seen in quite a while. We haven't seen these low prices for gold since 2011. Silver has a similar story. We are at lows that we haven't seen since early 2010. With these low costs there is a huge likelihood that eventually the costs will go higher than they are currently. The questions that many keep wanting to answer is the price still significantly falling or will it continue to slide for the very near future? The true answer to that question is we don't know and it is very hard to know the answer to that. Just like we don't know what the future holds for the stock markets we don't know the exact future for gold and silver. Signs point thought that eventually they will go back up when and how much is unknown.

Diversification

The majority of us who are investing for retirement keep our investments heavily weighted in stocks, bonds and the like. Putting some of our nest egg into gold and silver is a great way to diversify. The other great aspect of gold and silver is that it typically will always be worth something. Stocks and bonds are a paper asset and they are much more likely to be worth nothing than a precious metal, like gold or silver.

While there are other reasons that investing in gold or silver could be a great option now. These two reasons are two that mean a lot to me and IRA investing. While it is impossible to say completely what the outlook for precious metals are going to be, most professionals would agree that a well diversified retirement portfolio is important.

We can help you at any moment to get the most out of your IRA investing.

Contact us for more information about investing in gold or silver with your IRA or for any other information regarding investing with a self-directed IRA.

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IS THIS YOUR YEAR TO TAKE CONTROL?

Monday, January 5th, 2015

Happy New Year 2015. 3d

The market is dropping as oil dips to $50 a barrel.  Monday we had a drop of over 330 points.  Tuesday the drop was around 130 points.  Popular news stations are predicting more falls and slides (see articles below).

I’m not saying the stock market is a bad place to invest your money, but why should it be the only place your retirement is invested?  You have more options with a self-directed IRA account.
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Wall Street is getting more bearish!

MSN Money - ”Analysts see oil prices weakening further through the second quarter before leveling off ”

CNN Money “Experts now predict oil could go as low as $40 or even $30 a barrel”

Bloomberg – “The biggest collapse in energy prices since the 2008 global recession is shifting wealth and power”

Fox Business News “Price of crude oil slumps, dragging down energy companies and the rest of the stock market.”

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Are you ready to TAKE CONTROL of how your retirement is invested?!  Good for you!!
Here is some more information on how you can invest your retirement funds in assets other than the Stock Market with a self-directed IRA.

Investment Options

with a Self-Directed IRA

ü  Real Estate

ü  Hard money lending

ü  Precious Metals

•        Gold

•        Silver

•        Platinum

•        Bullion coins

ü  Private placements or offerings

•        Oil & gas

•        Real estate

•        Ownership interests

ü  Tax Liens, Trust Deeds, Mortgage Notes

ü  Fund a Start-Up Business

ü  Invest in a business

ü  Loan money to a business

ü  Loan money to an individual

ü  Invest in your own business

ü  And Many Others!

**Click on some of the investments above to learn more info.


IRA APPLICATION

Simply enter your personal info into this online application to create an account.

TRANSFER REQUEST FORM

Use this form to roll funds from the current custodian.

Custodian = the company currently holding your funds.

There are no penalties or taxes required by the IRS when transferring from one custodian to another.

Click here for more information about this form.

CONTRIBUTION FORM

In addition to being able to contribute for 2015, there is also still time to make a contribution for 2014 (our deadline is in April 2015).

Questions?

Great!  I would love to hear from you!

Jaclyn Grella

800-454-2649 x1119

JaclynGrella@Accuplan.net

Top 10 Worst & Best States for Retirement Security

Thursday, January 1st, 2015

Real Estate IRA

We hope that you have been enjoying yourself the past few weeks and that your New Year’s Eve celebrations were smashing. Here’s to a great 2015 full of prosperity!

For those of you who are looking to have a great year investing in 2015 with your self-directed IRA or self-directed 401k hopefully we at Accuplan Benefits Services can be of great service to you in helping you invest in the things you want with your retirement account.

As most of you already know one of the most common types of investments inside of a self-directed IRA is real estate, commonly refereed to as a Real Estate IRA. Because real estate is such a big part of self-directed IRA investing I thought it would be a great time to talk about how where you are retiring can actually have an effect on your retirement security. If you are deciding to buy real estate somewhere you plan on retiring you may want to look into staying away from these 10 worst places for your retirement security.

10 Worst States For Retirement Security

Michigan
Unemployment rate, age 55 & up: 6.9%
Average Medicare, out of pocket: $1,906

Arizona
Median hourly pay, age 55 & up: $14
Average Medicaid spending, eligible seniors: $15,704
Average retirement account balance (excludes pensions): $23,826

New Jersey
Unemployment rate, age 55 & up: 7.7%
Average Medicare, out of pocket: $2,009
Average Medicaid spending, eligible seniors: $20,449
Percent of senior households who spend more than 30% on housing: 48.1%

Georgia
Average retirement account balance (excludes pensions): $21,922
Percent of private sector employees in employer-sponsored retirement plan: 45.1%

Maine
Tax rate on retirement income: 7%
Percent of senior households who spend more than 30% on housing: 35.3%
Percent of private sector employees in employer-sponsored retirement plan: 48.3%

Nevada
Unemployment rate, age 55 & up: 9.8%
Percent of senior households who spend more than 30% on housing: 38.6%
Percent of private sector employees in employer-sponsored retirement plan: 34%

North Carolina
Median hourly pay, age 55 & up: $13.60
Unemployment rate, age 55 & up: 7.9%
Tax rate on retirement income: 7%

South Carolina

Median hourly pay, age 55 & up: $13
Tax rate on retirement income: 5.3%
Average retirement account balance (excludes pensions): $20,630

Florida
Average Medicare, out of pocket: $2,014
Average retirement account balance (excludes pensions): $23,381
Percent of senior households who spend more than 30% on housing: 42.5%
Percent of private sector employees in employer-sponsored retirement plan: 34.0%

California
Unemployment rate, age 55 & up: 8.5%
Tax rate on retirement income: 6%
Percent of senior households who spend more than 30% on housing: 42.5%

Looking at the same numbers, below are the top 10 best places to live for retirement security (without the raw numbers).

10 Best States For Retirement Security

Pennsylvania
New Hampshire
Washington
South Dakota
Iowa
West Virginia
Minnesota
North Dakota
Alaska
Wyoming

The study was done by the National Institute on Retirement Security. If you would like more information about that study feel free to go to their website.

It really does matter what state you live in when it comes to retirement security. Hopefully your retirement won’t suffer because of where you live and retire. Perhaps these numbers confirm your retirement plan and shows that where you are looking or planning to buy real estate inside your IRA is a decent area to buy in regards to retirement security. Whatever your plan calls for when investing in a real estate IRA we hope that we can be of service to making your real estate IRA the best experience possible.

Contact us now for more information about real estate IRAs or investing with your retirement account.

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