- Introduction
- Reverse Mortgage
- Sale and Leaseback of Your Home
- Nonqualified Deferred Compensation Plans
- Income Deferral Programs
- Other Investments for Retirement
- Comparing Taxable and Tax-Exempt Yields
- Capital Gains Tax Rates
- Tax Rate on Dividends
- Comparing Tax-Advantaged Investing to Other Investing
- Investing in Growth Stocks or Growth Mutual Funds
Some basic investment alternatives to consider for retirement include mutual funds, stocks, and bonds. Your investment program needs to consider the rate of return, your risk tolerance, diversification, and your time horizon. Also, when evaluating investments, you must be careful to compare the after-tax yield you will be earning from each investment (see the section Comparing Taxable and Tax-Exempt Yields).
Young people investing for retirement (on a tax-deferred, tax-free or non–tax-deferred basis) have a long-term time horizon, and investing in mutual funds can make sense. As you get closer to retirement, more conservative investments, such as bonds, cash, and fixed annuities, may be more appropriate.
Not FDIC Insured | Not Bank Guaranteed | May Lose Value |
Not a Bank Deposit | Not Insured by Any Federal Government Agency |
Meeting with NHTrust team is without obligation or cost.
NHTrust is a trade name of New Hampshire Trust Company. Brokerage services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Investment and insurance products are subject to investment risk, including the possible loss of value. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. Osaic Institutions and NHTrust not affiliated.