- 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.
Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Farmers & Merchants Financial Services, Inc. is a subsidiary of Farmers & Merchants Bank. Infinex is not affiliated with either entity.
Securities and Insurance Products:
| Not Insured By FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate |
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