The Compass: Archives

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Please review the General Disclosures at the bottom of the page before clicking on any link below to review an on-line version of the The Compass:  Newsletter of Personal Finance. 

September 2010

July 2010**

May 2010

**The declaration and payment of dividends is subject to the discretion of a organization's Board of Directors and depends on various factors, including the organization's net income, financial condition, cash requirements, future prospects and other factors deemed relevant by the organization. The ability to pay dividends on common stock will depend upon, among other things, the organization's level of indebtedness at the time of the proposed dividend and whether the organization is in compliance with its then existing credit facilities.

 Fixed Annuities are products of the insurance industry and are designed for long-term retirement investing. Annuity guarantees are subject to the claims-paying ability of the insurance company. Surrender charges may apply if money is withdrawn before the end of the contract. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Annuities generally contain fees and charges which include, but are not limited to, sales and surrender charges. Additionally, if purchased within a qualified plan, an annuity will provide no further tax deferral features. The contract, when redeemed, may be worth more or less than the total amount invested.
 
Annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk, including the possibility of loss of principal. Annuities generally contain fees and charges which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, charges for optional benefits and riders, and annual contract fees. Annuity guarantees, including guarantees associated with benefit riders are subject to the claims-paying ability of the insurance company. Surrender charges may apply if money is withdrawn before the end of the contract. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Additionally, if purchased within a qualified plan, an annuity will provide no further tax deferral features. The contract, when redeemed, may be worth more or less than the total amount invested. All other benefits are available for an additional cost. It is important to weigh the costs against the benefits when adding such options to an annuity contract.
 
Indexes are unmanaged and investors are not able to invest directly into any index. The S&P 500 is an unmanaged index comprised of 500 widely-held securities considered to be representative of the stock market in general.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

General Disclosures:    The views expressed are not necessarily the opinion of FSC Securities Corporation, and should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Investors should be aware that there are risks inherent in all investments, such as fluctuations in investment principal. With any investment vehicle, past performance is not a guarantee of future results. Material discussed herewith is meant for general illustration and/or informational purposes only, please note that individual situations can vary. Therefore, the information should be relied upon when coordinated with individual professional advice. Specifically related disclosures will be noted within the body of each newsletter but generally may be reviewed here as related to content that may be present in one or several of the newsletters,