Sentences with phrase «expense life markets»

CSG Actuarial today published its September CSG Flash Report (TM) featuring competitive intelligence data for the Medicare Supplement and Final Expense Life markets, including:

Not exact matches

A decorated Harvard economics instructor, a former White House policy adviser, and the author of bestsellers like Market Shock and New Ideas from Dead Economists, Buchholz found himself surrounded by people he deemed to be seeking tawdry material gain at the expense of real quality of life.

Middle Eastern insiders actually trade the oil market anonymously and through masked trading companies for their personal gain at the expense of lives in their country's military.

If you've already set aside an emergency money - market account that covers three to six months» worth of living expenses, don't add to what is, after all, a relatively low - paying investment.

Holding enough cash in cash alternatives, such as money market funds, to cover living expenses in the event of an emergency is critically important for money management.

Then, if the stock market is up (at or relatively close to its historical high level) take your withdrawals for living expenses only from your stock mutual funds, and continue to do so as long as the market remains relatively steady or continues to rise.

On the other hand, if the market is down significantly from its historical high levels or has been and still is falling fast when you retire, take your withdrawals for living expenses from your four years of living expenses cash reserve.

There are some whole life insurance policies that are marketed as final expense insurance or burial insurance, which come at a low price.

Prior to implementing a long - term post-divorce plan for retirement accumulation, you should make it an initial priority to fortify your emergency fund of at least three to six months of non-discretionary living expenses in cash (i.e. savings and money market).

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the Company; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; disruptions in information technology networks and systems; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's dividend payments on its Series A Preferred Stock; tax law changes or interpretations; pricing actions; and other factors.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated financial statements; and other factors.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the business and operations of the Company in the expected time frame; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; tax law changes or interpretations; and other factors.

He can afford to ignore market fluctuations because he doesn't depend upon his investments to meet day to day living expenses.

Planners may recommend that the portfolio hold at least two to three years of living expenses in cash, CDs and short - term bonds that can see you through a stock market decline.

Keeping a minimum of 3 months of life expenses in a money market account or GIC in the event of an emergency is prudent because if the market goes down right when you need the money and all of your funds are in risky equity investments, then you are hooped.

In fact, the international student market comprised approximately $ 8 billion in Canada as of 2014, factoring in both tuition and living expenses.

[10] Government - backed student loans are also available, which allow students to borrow for almost the entire cost of tuition (but are not available for cost - of - living expenses) and feature below - market interest rates, income - based repayment terms, and loan forgiveness after a certain number of payments.

Tags: 4/2/2009, annuity, bear market, cash, cash flow, contemplating retirement, creating a monthly paycheck, expenses, financial institutions, financial plan, financial planner, financial planning association, inflation, investment decision, investment management, investment performance, investment portfolio, investment portfolio, living expenses, managing money, managing money, mutual fund, nest egg, performance, rebalancing, retired, retiree, retirement, retirement perspective, Retirement Security: When investment performance is not enough, retirement strategy, stock, transition to retirement, withdraw money, withdrawal rate, working years

But there are too many variables and unknowns — how the market will perform, how long you'll live, whether your spending will keep pace with, exceed or lag inflation, what sort of unanticipated expenses you'll run into, how well your health holds up, etc. — to allow for such precision.

There are some whole life insurance policies that are marketed as final expense insurance or burial insurance, which come at a low price.

A low - expense market - priced survivorship universal life SUL policy has target premiums of $ 70,000 for lifetime coverage.

Had Tom purchased a market - priced universal life (low - expense version) with slightly higher target premiums in the first place, the loan or surrender value would be about $ 1 million and he could continue the policy or surrender it for the cash.

A good place to start is by stowing a couple of months of living expenses in a savings account or money market fund.

The 50 years of living expenses are based on what we currently have saved, the amount we plan on adding to our savings, as well as projected market performance.

Again, there are just too many unknowns — how long you'll live, how the financial markets will perform, what your retirement expenses will be (with health care costs being a particularly unpredictable wild card).

You'll know that no matter how long you live and regardless of how the financial markets perform, you'll be able to cover your essential expenses with guaranteed income.

For example, if Social Security covers all or most of your basic living expenses, you could consider upping your stock exposure a bit, as you'll have more flexibility for paring withdrawals from your portfolio if the market falters.

You need to budget, and maintain a buffer of cash to ride out the down market times as well as day to day living expenses, and emergencies.

According to financial experts at Business Insider, she is safe to draw 4 % a year for 25 years to cover her living expenses.1 But, if the market crashes, and Jane's investments decline by 20 % in her first year of retirement, her $ 875,000 is now only $ 700,000.

If Jane was able to cover her living expenses through other means, and not take out $ 35,000 when the market crashed, she would only be looking at a 25 % reduction in her investments.

Everyone needs about six months of living expenses in a savings or money market account, where you can withdraw it quickly and without penalty.

To offset this, I strongly encourage a minimum of 2 years living expenses be transferred into a safe and liquid asset class (e.g., money market fund) prior to retirement.

Given the number of uncertainties involved in trying to estimate a sustainable level of retirement spending — how the markets will perform, how long you'll live, what your actual expenses will be (although on that score, doing a retirement budget can help)-- you might also consider turning a portion of your nest egg into income assured to last no matter how long you live and regardless of how the markets fare by investing in an immediate annuity or longevity annuity.

Use invested assets to cover your regular monthly living expenses, and only tap your reverse mortgage to cover monthly living expenses when your retirement savings are depressed due to a stock market decline.

This results from the higher allocation to fixed income near retirement, which may mean being more heavily exposed to the most overvalued sectors of the bond market, like U.S. Treasuries, at the same time that stability of retirement balances becomes most important to meet ongoing living expenses.

If the market sells off 45 % over the course of three years, like it did in 2000 — 2002, the principal left to make a recovery will be much diminished if the investor was taking out an additional 5 % each year to meet living expenses.

You should keep three months» worth of living expenses in a bank savings account or a high - yield money market fund for emergencies.

Many retirees enjoy the feeling of security that comes from covering all or most of their essential retirement living expenses with income they can count even if the market tanks.

(As a practical matter, you'll also probably want to keep, say, one to three years» worth of living expenses in cash so you don't have to tap your investment portfolio during severe market setbacks.)

Employing such investment types can go hand in hand with a more simplified in - retirement portfolio strategy: Because broad - market index funds provide undiluted exposure to a given asset class (a U.S. equity index fund won't be holding cash or bonds, for example), a retiree can readily keep track of the portfolio's asset allocation mix and employ rebalancing to help keep it on track and shake off cash for living expenses.

At the end of each year, transfer whatever amount you need to keep a year's worth of living expenses in the money - market account.

Many financial planners suggest saving at least three to six months of living expenses in an account that you can get cash from quickly, such as a bank savings account or a money market mutual fund.

One type of life insurance coverage that is often marketed to those who are older is final expense coverage.

If you have no debt and at least 3 months of living expenses in cash, 500 dollars would be better served toward buying a total market fund.

Three to six months» worth of living expenses in a high - interest savings account or money market fund is ideal.

The most important thing for your investments: Be sure you aren't dependent on a stable or rising stock market to meet your upcoming living expenses.

To avoid substantial stock declines early in retirement, I've been thinking about maintaining at least 5 years worth of cash in a money market account (or TIPS ladder) to satisfy living expenses.

Your first savings goal should be to accumulate three months» or so worth of living expenses in a secure place, such as a savings account or money - market fund.

«Expenses are never the sole reason for selecting a mutual fund, but they are an important consideration when comparing funds that have similar attributes,» explains Chris van Mierlo, chief marketing officer and senior vice president of sales for Pacific Life Insurance Company's Retirement Solutions Division.

CONSIDER THIS HELLISH SCENARIO: You retire with what you imagine is plenty of money — and you're immediately hit with a brutal market decline, even as you pull out a growing sum from your portfolio each year to cover rising living expenses.