Place Trade Financial, Inc.
Brought to you compliments of Sarah M. Place, MBA

May 2008   Saturday, February 4, 2012
Should I Invest in This Market?

“What is the stock market going to do?” “What is going to happen to interest rates?” The answer to both questions is, “They will go up, down, stay the same, or all three.” Each day I read differing opinions on what is going to happen in the near future from the “experts” who are paid to know.

No one can predict the future direction of the stock market or interest rates with total accuracy. There are just too many variables affecting them.

Should investors give up attempting to invest their money intelligently? No! There are many ways to help you reduce the effects of market variations and the associated risks over the long term. By diversifying portfolios and carefully acquiring and holding assets, the risks can be reduced.

The most common reason for not achieving financial goals is not the ups and downs of the market and interest rates. Instead, it is a combination of inertia, fear, and inconsistency that allows investors to lose sight of long-term goals and the means to help them reach those goals. The return on doing nothing is easily obtainable -- it is nothing. You can improve your return by investing wisely and consistently. That is what we want to help you achieve. Please call or e-mail if you have questions or would like to set up an appointment to review your investments.

 
Getting the Money Out
The tax laws regarding withdrawals from individual retirement accounts (IRAs) are complex. To avoid unnecessary penalties and to ensure you withdraw the funds efficiently, here are the basics.
[FULL ARTICLE]
 
Should You Contribute to a Roth 401(k)?
Although Roth 401(k) plans became effective on January 1, 2006, they are just now starting to gain momentum. Originally, Roth 401(k)s were scheduled to expire after 2010, so companies were not willing to start a plan that would expire after a few years. However, the Pension Protection Act of 2006 made Roth 401(k)s permanent.
[FULL ARTICLE]
 
Asset Transfer by Nonspouse Beneficiaries Still Depends on Plan
The Pension Protection Act of 2006 contained a provision allowing nonspouse beneficiaries to roll over funds from an employer pension plan to an inherited individual retirement account (IRA), starting in 2007. This was viewed as a significant development for nonspouse beneficiaries, who would be able to extend distributions from employer pension plans over their life expectancies rather than the typical five-year period imposed by most plans.
[FULL ARTICLE]
 
A 3-Step Asset Allocation Strategy
Perhaps the most important move you can make for your investments is to properly diversify your portfolio. By investing in a mix of stocks, bonds, and cash, you'll reduce the risk of a significant loss. How you combine your diverse mix of investments is called your asset allocation.
[FULL ARTICLE]
 
Protecting Your Family: New and Old
According to the Census Bureau, blended families - families that include children from one or both spouse's previous marriages - now outnumber nuclear families. Yet, too many people in these blended families assume that their estate will be distributed to their spouse and children when they die. Without an estate plan, that assumption may be misguided.
[FULL ARTICLE]
 

Sarah has over eighteen years experience in the financial services industry. She received her MBA at St. Mary's University Graduate School of Business in San Antonio, TX and her bachelor’s degree in Economics–Finance at Bentley College in Waltham, MA. The firm she founded, Place Trade Financial, Inc., (Member FINRA, SIPC) is an active member of the Securities Industry and Financial Markets Association (SIFMA).

Feel free to contact Sarah via e-mail at
sarah@placetrade.com
or visit our Web site
www.placetrade.com
 

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Published by Sarah M. Place
Copyright © 2008 Place Trade Financial, Inc., Member FINRA/SIPC. All rights reserved.
This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
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