Propel Your IRA’s Value with IRA Transfer Success 101 Today

Are you brand new to retirement account investing? Do you have an IRA but aren’t really sure how to optimize it for today’s economic climate? Why haven’t you transferred your old 401(k) away from your previous employer and into a self-directed Traditional or Roth IRA? If your IRA investing knowledge is lacking, there is hope. Janguard, Inc. is offering household investors and IRA custodians free copies of its newest publication, IRA Transfer Success 101.

IRA Transfer Success 101 shows you how to make the most of your retirement account money by outlining strategies and tactics used by the world’s most successful IRA investors as well as up-to-date IRA information from the Internal Revenue Service (IRS) and Janguard’s expert team of IRA transfer advisers. In IRA Transfer Success 101 you’ll discover:

● the top 10 IRA investment options for 2015

● how to use interest rate cycles to make money no matter how much inflation there is

● why the U.S. government’s ballooning federal debt isn’t sustainable and more!

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For a limited time, you can obtain your free copy of IRA Transfer Success 101 exclusively from Janguard by visiting our website and filling out the IRA transfer information form on the right side of the page. You’ll instantly be rewarded with the electronic version of the brochure, which is designed to give busy investors an edge when diversifying their retirement accounts.

You’ll then receive a courtesy call from a non-commission Janguard IRA transfer adviser, whose job it is to get you more free information and answer any questions you might have about IRA investing in these tumultuous financial times. If you would like to speak with someone now,simply call Janguard at 800.571.6341 and discover how easy it is to secure your independence with a self-directed IRA.

Recommended Read: https://iratransfers.wordpress.com/2015/04/13/how-to-win-a-free-ira-transfer-from-janguard/

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Understanding the Difference Between 401(k), 403(b) and 457 Plans

Three oft-used retirement plans in the United States – the 401(k), the 403(b) and the 457 – are similar in that they are all funded, at least in part, by employee salary reduction arrangements.The names of these three salary deferral plans relates to the section of the Internal Revenue Code which allows and governs them. The primary difference in these types of plans is the type of employer that utilizes them.

401(k) Plans Any non-governmental employer or a governmental employer that adopted the plan prior to May 1986
403(b) Plans A 501(c)(3) organization (a charity) or an educational institution
457 Plans A state or local governmental employer or a 501 organization

These plans have many similarities, including:

  1. They all allow for a pre-tax salary deferral arrangement by the employees
  2. There are similar limits on the amount of salary deferrals allowed for each employee
  3. 401(k) and 403(b) plans allow for employer contributions to the plans. 457 plans, however, do not allow for employer contributions.

The overall contribution limits for 401(k) plans and 403(b) plans are significantly higher if the employer funds the plan. The 403(b) and 457 plans have some very favorable “catch up” provisions for older employees who have not saved enough for retirement while the 401(k) plan merely adds $5500 to the contribution limits for employees over 50. In all plan types the earnings on investments are tax-deferred. In theory, all plan types have similar investment options. But in practice, most 403(b) plans are limited to annuity contracts and 457 plans usually have very limited choices.

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There are also some differences with respect to the withdrawal and rollover rules, for example:

  1. 457 plan participants are not subject to the 10% penalty for distributions prior to age 59½, while participants in 401(k) and 403(b) plans are.
  2. Participants in a 401(k) plan can roll over their account balances into an IRA, another 401(k) plan or a Keogh plan. The participants in the other plans are limited to rolling over their account balances into similar plans (i.e. 403(b) to 403(b), 457 to 457) or into an IRA.

We at Janguard are here to provide you with unbiased information and advice with respect to your retirement accounts, whether employer-sponsored or otherwise. For more information on salary deferral plans, IRA transfers or for answers to specific questions regarding profiting with your retirement accounts in 2015, call Janguard at 800.571.6341 and discover how easy it is to secure your independence with a self-directed IRA.

IRA Investment Options with Potential in 2015

In these uncertain times, which are the best investments for you? Historically, no one investment class or category has been on top time and time again. During 2014, for example, the following broad asset classes performed as follows:

U.S. Large Cap 16.6%
U.S. Small Cap 4.0
U.S. Bonds 5.3
Cash -0.8
Global Equities 9.1
Emerging Markets 2.3
Commodities 2.3

 Investment advisors at iShares (Blackrock) noted that the Federal Reserve (Fed)’s minutes from the summer of 2014 and Jackson Hole Symposium meetings suggest that a period of rate normalization is approaching. In other words, the Fed is likely to begin raising rates in the first quarter of 2015.

Per Russell Advisors, global markets once again will be dominated by the actions or inaction of central banks. They believe that there will be a difference developing in 2015. According to Russell, we are likely to see the major central banks head in different directions. The U.S. Federal Reserve and the Bank of England will likely take the first steps towards interest rate normalization while the European Central Bank and Bank of Japan will continue with artificially low interest rates.

Thus, these advisors and many others believe that interest rates will begin to increase. This will have a dramatic impact on the investment markets. Historically, rising interest rates can often translate into higher commodity prices.

janguard-ira-investment-options-imageFuthermore, there is a substantial and increasing segment of investors who lack faith in the U.S. Government and its economic & fiscal policies. This group believes in the imminent collapse of the U.S. fiat currency (the Dollar) and the global meltdown or re-alignment with respect to the U.S. Dollar. Will the U.S. renege on its debt to China and throw the entire global currency and trade market into shock? Frequently, investors think they can just ‘let their money ride” and rest on their laurels. However, prudent investors know that constant attention to the markets and investments is required to protect and optimize wealth. With these uncertain times, it seems to be necessary to be prudent.

Where to Invest Now

As the accompanying chart illustrates, no asset class or segment has remained on top very long. The appreciation or return on investment (“ROI”) varies quarter by quarter based on economic and other conditions. This is especially true in volatile and uncertain times. What are the top ranked economists and advisors predicting for 2105?

There are three investments that many analysts say have potential in 2015. These are foreign stocks or funds, real estate and precious metals. Here is the thinking behind each of these recommendations.

Foreign Markets

Many investment advisors are looking to foreign markets to provide the best returns in 2015. Specifically mentioned are Japan funds and emerging market funds. This is because these foreign markets are experiencing greater growth than the huge U.S. economy. According to the investment team at Blackrock, Most developed markets range from fully valued to expensive, even after the rough patch in September. While the Japanese market has recently seen a boost, stocks are still attractively priced, with a price-to-book ratio less than half that of the US. And there are reasons to believe that Japan will continue to provide attractive investment returns.

Real Estate

As noted above, interest rates continue to be held artificially low by the Federal Reserve Bank. By using leverage, you can acquire a significant position in real estate. 2015 is likely to be the year in which the interest rates begin to rise. It may be wise to lock in mortgage rates while they are still at or near the historically low point. It appears that the real estate market has finally solidified in most parts of the U.S. after the severe meltdown in 2007-2009. Being a “hard” or tangible asset, real estate tends to be a good hedge against inflation.

Commodities

Another asset class that is likely to be affected by the rising interest rates is commodities. While one might think that rising interest rates (a tightening of the money supply) would be good for the dollar, the sad reality is that it may already be too late. The last time the Fed held interest rates this low for this long…well, it’s actually never happened. The last comparable time, however, gold, silver, oil, sugar, corn and many other commodities increased in price tenfold, or more. Conversely, bonds and dollar-backed investments suffered.

How Janguard Can Help

We at Janguard are here to provide you with unbiased information and advice with respect to your investment. For more information on IRA strategies and transferring your account to a self directed IRA or for answers to specific questions regarding profiting with your retirement accounts in 2015, call Janguard at 800.571.6341 today and discover how easy it is to secure your independence with a self-directed Janguard IRA.

How A Janguard IRA Transfer Can Help You Secure Your Independence

Are you concerned about the economy and the U.S. fiscal and monetary policies? With the U.S. national debt surpassing $18 trillion and a large percentage of our GDP going to interest payments, many investors cringe when the topic of the U.S. economy comes up.

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It doesn’t help that there are projections that show the U.S. national debt rising to as much as 138% of our Gross Domestic Product by 2030. (Source: Congressional Budget Office) Adding to these amazing figures is the recent political debacle over the Omnibus Spending Bill. Of course, we can’t forget the impact of Baby Boomers on the Social Security and Medicare systems. The U.S. Government has increased the money supply by printing more and more currency.

The Federal Reserve Bank is creating artificially low interest rates in order to “stimulate the economy” and keep inflation in check. However the amount of interest you can earn on a “safe” bank CD or money market account is next to zero while the cumulative inflation rate for the last two years was 2.64%. Thus, it is likely that one have lost money on an inflation adjusted basis in recent years. Based on this data, it is reasonable to question the overall financial direction of the country.

If you have a basic concern or distrust of the “full faith and credit of the U.S. Government” you may want to investigate ways to preserve your retirement assets. After years of accumulating retirement assets in IRAs and 401(k) plans, many people are looking at self directed IRAs. In these types of IRAs you are allowed a wide array of investment options; not just the 4 or 6 that were on the 401(k) plan of your employer. How can you do this? Janguard has devised strategies that could help out outpace inflation and profit from rising interest rates, regardless of how much debt our nation accumulates.

We at Janguard can assist you in understanding your options for your IRA and retirement accounts. By becoming a better-informed invested you can mitigate the effects of ill-fated fiscal policies and Washington cronyism.

For more information on IRA strategies and transferring your account to a self directed IRA or for answers to specific questions regarding your retirement accounts, call Janguard at 800.571.6341 today and discover how easy it is to secure your independence with a self-directed IRA.