Endowment plans are also commonly known as traditional life insurance, although, there is an investment component but the risk is lower
than the other investment products and so are the returns.
Not exact matches
LeapFrog's first fund of $ 135 million made equity
investments of between $ 5 million and $ 15 million in eight companies in Africa and Asia offering insurance and
other financial
products to individuals living on less
than $ 10 per day.
The consumer will incur a surrender charge, be subject to the commencement of a new surrender period, lose existing benefits (such as a higher crediting guarantee
than is currently available, as well as death, living or
other contractual benefits), or be subject to increased fees,
investment advisory fees or charges for riders and similar
product enhancements;
Rich Uncles believes that with the ease and transparency of the internet, the company can deliver a real estate
product that has roughly 10 % more of the
investment amount actually being invested in real estate rather
than being paid to
others in the form of commissions and reimbursements.
Founded in 1946, the firm is a leading provider of
investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing, and many
other financial
products and services to more
than 20 million individuals and institutions, as well as through 5,000 financial intermediary firms.
Factors that could cause actual results to differ materially from those expressed or implied in any forward - looking statements include, but are not limited to: changes in consumer discretionary spending; our eCommerce platform not producing the anticipated benefits within the expected time - frame or at all; the streamlining of the Company's vendor base and execution of the Company's new merchandising strategy not producing the anticipated benefits within the expected time - frame or at all; the amount that we invest in strategic transactions and the timing and success of those
investments; the integration of strategic acquisitions being more difficult, time - consuming, or costly
than expected; inventory turn; changes in the competitive market and competition amongst retailers; changes in consumer demand or shopping patterns and our ability to identify new trends and have the right trending
products in our stores and on our website; changes in existing tax, labor and
other laws and regulations, including those changing tax rates and imposing new taxes and surcharges; limitations on the availability of attractive retail store sites; omni - channel growth; unauthorized disclosure of sensitive or confidential customer information; risks relating to our private brand offerings and new retail concepts; disruptions with our eCommerce platform, including issues caused by high volumes of users or transactions, or our information systems; factors affecting our vendors, including supply chain and currency risks; talent needs and the loss of Edward W. Stack, our Chairman and Chief Executive Officer; developments with sports leagues, professional athletes or sports superstars; weather - related disruptions and seasonality of our business; and risks associated with being a controlled company.
Fidelity
Investments is a leading provider of
investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing, and
other financial
products and services to more
than 20 million individuals, institutions, and financial intermediaries.
It doesn't require a big
investment,
other than time, and helps introduce your
product to a large audience.
Momentum is sound more often
than not, but when it drags, it limps, and not just under the weight of questionable pacing, for one's
investment faces
other challenges through all of the conventions and cheesiness which threaten the final
product.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among
others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's
products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger
than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and
other merchandise and
other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater
than estimated, the risk that digital sales growth is less
than expectations and the risk that it does not exceed the rate of
investment spend, higher -
than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and
other initiatives, the success of Barnes & Noble's strategic
investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects,
product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and
other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's
other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among
others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's
products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger
than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and
other merchandise and
other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater
than estimated, the risk that digital sales growth is less
than expectations and the risk that it does not exceed the rate of
investment spend, higher -
than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and
other initiatives, the success of Barnes & Noble's strategic
investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects,
product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and
other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's
other filings made hereafter from time to time with the SEC.
Wary investors opened accounts to stash the money they pulled out of riskier
products, while
others decided the freedom of a TFSA was better
than the uncertainty of a standard mutual fund
investment.
Other tax - efficient options that you might consider, Dale, include corporate class mutual funds or ETFs that result in less tax
than their traditional counterparts, flow - through shares, life insurance
products or direct real estate
investment.
This would lead me to think that any discretionary
investments should not be in local stocks, but instead in
other regions
than the one you live, in
other sectors
than the one you work in, in
other products than the ones you buy, etc..
But if the cash value is invested wisely, and the
investments perform well, the cash value may grow faster
than any
other life insurance
product.
While
other large Canadian banks have hinted they're considering a foray into online
investment advice, BMO is the first of the big five banks to launch such a service, despite electing to build the
product in - house rather
than partnering with a financial technology firm as some of the
other banks are expected to do.
All the
investments described so far in this booklet have risks, but here are some strategies and
products that may be riskier or more complex
than others.
Therefore, it really isn't any better
than a laddered CD or
other fixed income
investment except that the agent gets paid generously for selling such a
product.
They are more complex
than many
other types of
investments and the risks can vary between
products.
Please note: After June 9, 2017, for IRA accounts or
other qualified ERISA accounts («Retirement Accounts»)
other than within a managed account that is subject to an
investment advisory agreement, our Financial Professionals will make no mutual fund and no structured
product recommendations whatsoever - whether proprietary or third party.
According to The
Investment Funds Institute of Canada, Canadians have greater confidence in mutual funds (86 %)
than other financial
products such as GICs, bonds and stocks.
The
investment adviser may cause the fund to pay a higher commission
than otherwise obtainable from
other brokers or dealers in return for brokerage or research services or
products if the
investment adviser believes that such commission is reasonable in relation to the services provided.
The
investment adviser may cause a fund to pay a higher commission
than otherwise obtainable from
other brokers or dealers in return for brokerage or research services or
products if the
investment adviser believes that such commission is reasonable in relation to the services provided.
Although on a smaller scale
than country farms, producing vegetables, meat, eggs, mushrooms and
other food
products in cities can yield significant returns and often requires less financial
investment, making the activity viable to a larger number of people.
For the avoidance of doubt, Gross Revenues shall (A) exclude monies received from any source
other than the sale of electric energy and capacity, including, without limitation, any of the following: (i) any federal, state, county or local tax benefits, grants or credits or allowances related to, derived from, or granted to the Wind Energy Project or Grantee, including, but not limited to,
investment or production tax credits, or property or sales tax exemptions, (ii) proceeds from financing activities, sales, assignments, partial assignments, contracts (
other than the power purchase agreement) or
other dispositions of or related to the Wind Energy Project (such as damages for breach of contract or liquidated damages for delays in project completion or failures in equipment performance), (iii) amounts received as reimbursements or compensation for wheeling costs or
other electricity transmission or delivery costs, and (iv) any proceeds received by Grantee as a result of damage or casualty to the Wind Energy Project, or any portion thereof and (B) include any revenues derived from Grantee's sale of carbon dioxide trading credits, renewable energy credits or certificates, emissions reduction credits, emissions allowances, green tags, tradable renewable credits, or Green - e ®
products, any of which are allocated to Grantee, if applicable, through its participation in any voluntary registry, association or market - based exchange.
In today's financing climate, where pre-sales are more difficult
than ever to attract and GAP financing requires two or three times coverage, the holy grail of many independent producers has become «soft money» - funds which are generated by means
other than sales of a
product, such as tax credits, government subsidies and equity
investments.
With more
than 25 years of experience, Cliff regularly counsels clients on the design and distribution of
investment products including wrap - fee programs and
other advisory
products, mutual funds, bank collective
investment funds and insurance
products.
Unit linked insurance plan (ULIP) is one such
product that comes with tax benefits which make it more rewarding
than other equity
investment products, namely equity mutual funds including tax saving equity linked savings scheme (ELSS).
But if the cash value is invested wisely, and the
investments perform well, the cash value may grow faster
than any
other life insurance
product.
While the guaranteed rate of return on the cash value may be lower
than other financial
products, it can lower the overall volatility of a portfolio (though this benefit assumes you have a breadth of existing
investments).
What differentiates an Indexed UL policy from
other types of permanent life insurance used for cash accumulation is that the growth of the policy's cash value is based on the performance of an equity index (usually the S&P 500), excluding dividends, collared by a cap and a floor — rather
than based on a flat crediting rate that is established by the insurance carrier and adjusted from time to time (a
product referred to as «current assumption universal life»), based on a flat dividend rate that is established by the insurance carrier and adjusted from time to time (a
product referred to as «whole life»), or based on the actual
investment returns of specific equity
investments (a
product referred to as «variable universal life»).
Hue costs a bit more
than the average smart bulb, but wide compatibility with
other products and systems, such as Apple's HomeKit, Samsung's SmartThings hub, Amazon's Alexa (Echo / Dot), and Google Home, means you'll be able to do more with them
than with
other bulbs; this makes them a more practical long - term
investment.
Some are equity tokens while
others are utility tokens, which often function more like a digital coupon, software license or high - tech
product than a traditional
investment.