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URL:https://www.learndesk.us/class/6247818232594432/lesson/b369b487b8f2cec69d1744a8fba4afc7?ref=outlook-calendar
SUMMARY:Unit 2 - Investing for Your Future
DTSTART;TZID=America/Los_Angeles:20260405T190000
DTEND;TZID=America/Los_Angeles:20260405T200000
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DESCRIPTION: 

Registrations

Non-tax qualified
Tax-qualified investments
Who’s name
solo or joint, rights of survivorship or JTWROS, Uniform Transfers to Minor or UTMA


Do You Know your ABC’s?

The alphabet soup of Tax-Qualified Retirement Plans (TQRPs)
IRA (Traditional, ROTH, and Beneficiary of both)
401(k)
403(b)
457


Investment Options

Stocks
Bonds
ETFs
Mutual Funds
REIT
BDCs
Alternative Investments
Target Date Funds


A Post Pension World

Defined benefit plans are nearly gone, companies cannot put away enough.
We are living longer, not just a few years past 65.
Now defined contribution plans: 401k, Roth IRA, Traditional IRA (current maximums)


A Tax Strategy for Withdrawal

Need a distribution strategy
As much money into employer plans
Always taxed,

Regular savings, brokerage, and managed accounts


tax-deferred

401k, traditional IRA (amount shielded immediately, but during retirement pay tax on all with drawls).


tax-advantaged

Roth (income tax before, but all distributions are...

https://www.learndesk.us/class/6247818232594432/lesson/b369b487b8f2cec69d1744a8fba4afc7?ref=outlook-calendar
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