Decumulation is complicated by Canada's byzantine tax and pension laws, and
the same high investment costs that plague the accumulation side.
Not exact matches
But our work together thus far has already established several points that may have an important bearing on the future of theological education in America: (1) the party - strife between «evangelicals» and «charismatics» and «ecumenicals» is not divinely preordained and need not last forever; (2) the Wesleyan tradition has a place of its own in the theological forum along with all the others; (3) «pluralism» need not signify «indifferentism»; (4) «evangelism» and «social gospel» are aspects of the
same evangel; (5) in terms of any sort of
cost - benefit analysis, a partnership like AFTE represents a
high - yield
investment in Christian mission; and (6) the Holy Spirit has still more surprises in store for the openhearted.
The Examples assume: (1) you invest $ 10,000 in the noted class of Units in the noted
Investment Portfolio for the time periods indicated; (2) your investment has a 5 % return each year; (3) the Investment Portfolio's operating expenses remain the same (including the operating expenses of the Underlying Fund (s)-RRB-; (4) all Units redeemed, if any as noted, are used to pay Qualified Higher Education Expenses (the table does not consider the impact of any potential state or federal taxes on the redemption); (5) you pay the applicable maximum Initial Sales Charge on Class A Units and any CDSC applicable to Units invested for the applicable periods in Class C Units; and (6) for the Class C Units Example, the Class C Units converted to Class A Units at the end of sixth year and were thereafter subject to the costs associated with Clas
Investment Portfolio for the time periods indicated; (2) your
investment has a 5 % return each year; (3) the Investment Portfolio's operating expenses remain the same (including the operating expenses of the Underlying Fund (s)-RRB-; (4) all Units redeemed, if any as noted, are used to pay Qualified Higher Education Expenses (the table does not consider the impact of any potential state or federal taxes on the redemption); (5) you pay the applicable maximum Initial Sales Charge on Class A Units and any CDSC applicable to Units invested for the applicable periods in Class C Units; and (6) for the Class C Units Example, the Class C Units converted to Class A Units at the end of sixth year and were thereafter subject to the costs associated with Clas
investment has a 5 % return each year; (3) the
Investment Portfolio's operating expenses remain the same (including the operating expenses of the Underlying Fund (s)-RRB-; (4) all Units redeemed, if any as noted, are used to pay Qualified Higher Education Expenses (the table does not consider the impact of any potential state or federal taxes on the redemption); (5) you pay the applicable maximum Initial Sales Charge on Class A Units and any CDSC applicable to Units invested for the applicable periods in Class C Units; and (6) for the Class C Units Example, the Class C Units converted to Class A Units at the end of sixth year and were thereafter subject to the costs associated with Clas
Investment Portfolio's operating expenses remain the
same (including the operating expenses of the Underlying Fund (s)-RRB-; (4) all Units redeemed, if any as noted, are used to pay Qualified
Higher Education Expenses (the table does not consider the impact of any potential state or federal taxes on the redemption); (5) you pay the applicable maximum Initial Sales Charge on Class A Units and any CDSC applicable to Units invested for the applicable periods in Class C Units; and (6) for the Class C Units Example, the Class C Units converted to Class A Units at the end of sixth year and were thereafter subject to the
costs associated with Class A Units.
As for other funds offered in the plan, the complaint says that, rather than taking advantage of the plan's economies of scale, as required by its
investment policy statement (IPS), to reduce the
investment expenses charged to plan participants, Philips North America selected and maintained
high - priced share classes of mutual funds, instead of identical lower -
cost share classes of those
same mutual funds which were readily available to the plan.
For example, if at the
same time you're ramping up your savings rate you're able to reduce your annual
investment costs from 1 % of assets a year to 0.5 %, the combination of more savings, lower investing fees and
higher return could boost the eventual value of your nest egg at retirement to roughly $ 1.35 million and your annual retirement income to $ 54,000, almost 13 % more than the what you would have by increasing your savings rate alone.
There's also no guarantee that every percentage point you reduce
investment fees will raise your return by the
same amount, although Morningstar research on the relationship between fees and performance shows that low -
cost funds typically do outperform their
high -
cost counterparts.
Investors clearly understand that
higher fees can have a negative impact on their net return, as is evident in the price war in mutual fund fees, but a few basis - points difference in visible fees is far less meaningful in performance impact than the often - large hidden
costs.14 For example, switching from a low - turnover strategy to a sloppily constructed strategy that spends scores of basis points in incremental trading
costs can
cost the investor dearly in performance.15 The
same holds true for the buyers of opaque
high - fee products (hedge funds and illiquid private
investments), for which substantial
costs may be hidden from sight.
This is simply not the case, while the initial
investment for keeping and training a psychiatric dog may be considerably
higher than any other dog; the annual
cost for keeping any dog is around the
same.
But the
high investment costs and time, not to mention the enormous energy consumption required for heating the substance to more than 1800 degrees Fahrenheit for the recycling, have discouraged many factories in China from doing the
same.»
One challenge in spinning off its gas network into a separate company and making it attractive to investors was the amount of debt it could hold relative to its assets — it would need to be
higher than the energy regulator's limit, while at the
same time needing to maintain an
investment - grade credit rating so it could benefit from cheaper borrowing
costs.
Some life insurance companies are extremely effective at getting a very
high return on their
investments while, at the
same time, keeping their operating
costs very low.