Lexus Group Consultancy in Tokyo, Japan

It is a common belief among most investment experts that the fastest way to financial growth is to invest in long-term ventures or to set a gestation period of at least 10 years for enhancing one’s prospects for bigger revenues instead of building a portfolio of short-term assets (for example, bonds and mutual funds). Hence, experienced leaders recommend diversifying investment portfolios with top-quality stocks that pay high dividends. This strategy has proven to be an efficient approach for investors to gain high long-term revenues that can sustain a stable retirement future for them. Remember that this investment option is suitable only for investors who can have the patience and endurance to go for the long haul and choose to invest back dividends into the firms that offer payouts. For novice dividend investors, these primary advantages of investing in dividend-paying stocks on a long-term basis: 1. Highly rewarding with a potential return of a maximum of 45% when you

With the New Year with us, it is appropriate to consider your retirement savings and find out if you are benefitting at all from any applicable tax law with regard to your retirement future. Melissa Sotudeh, a certified financial planner in Washington, D.C., offers tax-savvy advice on retirement savings. What is the most vital aspect in retirement accounts tax-planning? To a certain degree, you can control your income tax bracket by maximizing salary deferrals — for instance, by maxing your retirement accounts, such as 401(k) and IRA plans; hence, reducing your taxable salary. On the other hand, you can become tax-efficient when you invest money for college education, retirement or other objectives. If you are in a lower tax bracket, take advantage of specific deductions, such as those for seeking a job or relocating for work, and tax credits, such as the education credit or the child-tax credit. Contribute to a Roth 401(k) as well, allowing you to pay lower-rate t

Ready to become a million-dollar retiree? Who would not want to become one? From a recent survey conducted by Time Magazine, 1 of every 3 Americans has saved practically nothing for their retirement. And a surprising 23% of Americans -- almost a fourth -- have saved less than $10,000. In short, a total of 56% of all Americans have saved below $10,000 for their retirement. That should be cause for great concern. Moreover, 42% of millennials (people aged 18 to 35), unfortunately, have not started saving for retirement. It seems that this generation is bound to commit the same mistakes that their parents and grandparents, in general, committed. But there is hope! Building a million-dollar retirement fund is not too difficult to accomplish. With enough discipline and by following these three simple steps, anyone can be assured of a secure future. The benefit of following these effective guidelines, aside from obtaining a million-dollar retirement fund, is tha

While we use up much of our employment income toward paying for our retirement accounts, we rarely consider what we need to do when taking it out in retirement. For example, if you have pre-tax, Roth, and taxable accounts, how much money should you take out from each account? Consider these few suggestions: 1) What is the safe amount to withdraw? Your safest choice is to only take out earnings and the principal but at present dividend yields and interest rates, not expecting to get anything beyond more or less 2% of your portfolio. It is not much for majority of people and the amount can shift and will not catch up with inflation over the long haul. The normal rule-of-thumb is that you can securely take out about 4% of the initial value of a diversified portfolio and raise that amount to keep pace with inflation for 30 years or so. But the rule was conceived back in the 1990s when interest rates were higher and many financial experts consider the rule as passé, including