Sentences with phrase «better than lump sum»

DCA only works better than lump sum investing if the price drops.

This option is better than a lump sum payment because it means you're more likely to have some of the money spread out over two different years, which means your net taxes paid will be lower.

Not exact matches

To avoid that fate, most people would do better to choose the annuity rather than the lump sum.

Many reward for good credit, loyalty, paying your annual premium as a lump sum (rather than in monthly installments) and for bundling coverage, Fisher said.

The thick, velvety, lump - free gravy of your dreams becomes reality when the three core components — pan drippings, roux, and stock — come together as something way better than the sum of its parts.

«I truly believe that a four - year deal with the money that we're talking about is a much better deal than the $ 1,000 lump sum payment,» he said.

The amount can be worked into the school's budget much more easily than an irregularly occurring lump sum, allowing better control over current and future cash flow.

Taking a lump sum from your retirement accounts to buy a car is better than financing, but still not the best way.

A personal line of credit is the best fit when you may need access to funds on a recurring, as - needed basis rather than as a lump sum.

Many readers were surprised when I answered a recent Ask the Spud question by suggesting you're usually better off investing a lump sum rather than using dollar - cost averaging (DCA).

41000 * 0.8 = 32800, so at # 86 / week she would only be better off with the lump sum if she expected to live for less than ~ 7.3 years.

You have mentioned that it is better to leave your fund with different fund managers rather than a lump sum with one fund manager — so again, even if the stocks are same in two different funds, the fund managers would be different and that should spread your risk What do you feel?

For instance, putting lump sums of cash toward credit card debt can wipe out high interest payments, which would give you a better return on your money than paying off low interest mortgage debt.

The chances that you'll be able to do better than the monthly payments offered by your employer are low — a 2015 General Accounting Office on pensions and lump sums found that the payouts on company pensions are generally much more generous than those offered by private insurers — but it doesn't hurt to check.

But is taking the lump sum a better risk than leaving it in an underfunded pension plan?»

While the lump sum is better than no contribution, contributing to your RSP throughout the year makes more sense and takes the stress out of finding money.

However, if you are going to make a single lump - sum contribution, such as an inheritance you receive, the transaction cost of an ETF might well be lower than for an index fund.

A Regular Savings Cash ISA is best if you're able to pay a regular monthly contribution, rather than a lump sum deposit - this can be up to # 1,666 a month.

Even if you're struggling with debt, it would be a good idea to make a few large lump sum payments at least twice a year to indicate that you do have some cash to pay down the debt — send them at least three or four times more than the minimum required.

It's better to make lump sum payments on a single debt than to spread your higher payments among all your debts.

Unless you can afford to purchase property in one lump sum, it's a good practice to pay a little bit more than what is required for your monthly mortgage.

My conclusion at that time was that DCA isn't really the good way to invest as far as the performance is concerned because in a up market, shares purchased through DCA become less and less than through a lump - sum.

My take on it is if you have a good income, always do variable — on top of the lump sum payments you can do yearly, the amount of interest you save will probably more than outweigh the rate at which the rate will go up (if it ever starts going up).

Dear Sreekanth, I would like to invest 30 lakhs (lump sum) in mutual funds which give good returns (higher than 12 — 15 %) over a period of 5 years.

If it is likely to be the same for the next few years, this may be a better option than paying a lump sum.

You are still likely to be better off investing the lump sum immediately rather than spreading it out over a year or two: studies have consistently shown that the all - in move delivers better results about two - thirds of the time.

The third is silent, and leaves a lot of money on the table — most people would be better off taking an annuity from their pension plan than a third party, or trying to manage a lump sum on their own.

It is better to take the single lump sum distribution from my pension and invest the money rather than take the lifetime distribution»

If you plan on making large lump sum payments each year, than there may be better ETF options out there than TD - efunds.

Lump sum investing, for Buffett and for those who are willing to do the homework, can often give better returns than dollar cost averaging.

Craig is right, it's best to think about it in connection with a regular influx of savings rather than a lump sum — although a lump sum is a good way to make a sizeable enough initial investment in a position that its performance can inform your value - averaging deployments subsequently.

I can tell you that all the research says that you're better off investing all of your cash right away in a lump sum, rather than dollar cost averaging it in over a lengthy period.

I'd like to pay for his year of preschool in one lump sum this year (in August), mostly to simplify things (as it's being paid from funds gifted to us designated for education, it's better for us if we disburse them at once rather than having to manage transfers each month).

If an advisor suggests that you take the lump sum and then buy an annuity, ask how that's better than just getting the checks from the original retirement plan, said Jim Ludwick, a certified financial planner with MainStreet Financial Planning in Odenton, Md..

They are a much better choice than store cards or special financing, which can leave you with an unexpected lump sum of interest to pay.

that would have felt better placed sporadically throughout the story than given to you in one lump sum at the end.

A behemoth in the consumer financing sector for more than seven decades now, if you've ever opted to pay for a big - ticket item in installments rather than one lump sum, chances are good that you had GE Capital to thank for that convenience.

If that is indeed a possibility, your family may be better off getting the claim amount in parts, rather than as a meaty lump - sum.

This can be helpful for someone who isn't particularly financially responsible; monthly installments better replicate a lost income stream and can be easier to handle than one lump sum of tens of thousands of dollars.

Withdrawing no more than 4 % per year from the lump sum is one of the best ways to ensure that the money will last as long as it is needed.

What everyone needs to know is that, for most people, it is better to have a never ending income than to have a lump sum.