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Retirement Income Plans – LifeYield and Schwab Intelligent Portfolios

June 15, 2022 by Brett

Retirement Income Plans – LifeYield and Schwab Intelligent Portfolios

If you’re looking for an income investment plan to supplement your retirement savings, you’ve come to the right place. LifeYield and Schwab Intelligent Portfolios are two of the most popular retirement income plans, but what are the other plans? How do they work? And which ones are the best? Here are some tips to help you make the best decision. And don’t forget to check the terms “tax-smart” and “smart income detective” before investing.

LifeYield

LifeYield helps you withdraw money from your retirement accounts tax-smartly and easily. It simplifies the process of withdrawals across multiple accounts and scenarios to maximize the client’s money and minimize the disruption to their household portfolio. Withdrawals are also automatically handled by the software to avoid any rebalancing. LifeYield also helps you identify tax harvesting opportunities and minimizes taxes. It can reduce your overall tax bill by as much as 40%.

Schwab Intelligent Portfolios

If you’re considering investing your money with the Schwab Intelligent Portfolio service, you’re likely looking for a hands-off, easy-to-manage approach to investing. You’ll have access to a variety of tools to track your finances, such as an interactive tool that lets you run scenarios and see what results you’ll get based on your risk profile and investment strategy. Schwab’s Interactive Tool is also available to help you understand your financial goals, and you’ll be able to contact a representative 24 hours a day, seven days a week.

Exide Life Smart Income Plan

The Exide Life Smart Income Plan is a collaborating pension scheme that provides enhanced protection and safety through riders. Although it is a collaborating scheme, it is not risk free. Bonus payouts depend on the fund performance and the time period during which the policyholder invests. The tax advantages on this plan are subject to change with tax laws. Nevertheless, the plan’s riders can help investors achieve their financial goals in the future.

Pramerica Life Smart Income Plan

The Pramerica Life Smart Income Plan is an individual retirement account which invests in annuity. The money you invest in it grows over time, providing you with regular income in retirement. The plan requires only one premium payment. The maximum amount of sum insured is Rs.3 crores per life, subject to a board-approved underwriting policy. The company also offers a traditional non-par fixed benefit plan called Pramerica Life Group COVID-19 Shield. This plan protects you from the financial consequences of COVID-19.

SBI Life Smart Income Protect

The SBI Life Smart Income Protect is a participation-based, 15-year savings plan that offers both insurance protection and a regular flow of income. After making a single premium payment for the first five years, a policyholder will be entitled to receive an annual payout of Rs 55,000 tax-free. This will provide enough cash flow for future needs, while also protecting the policyholder’s family. SBI Life Smart Income Protect’s policy features include a 30-day premium payment delay and vested reversionary bonus of 10 percent or 6 percent.

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Smart Income Funds

June 10, 2022 by Brett

Smart Income Funds

If you are looking for a long-term investment strategy to generate income and grow your investments, a smart income fund is a good choice. These funds are designed to help you achieve your financial goals by focusing on companies that pay high dividends. The Global Beta Smart Income Index is the target index of these funds. It is comprised of equity securities of companies in the highest quintile of their average twelve-month trailing dividend yield. In addition, the index also includes companies that are in the top half of GICS sector classification. The fund may employ a representative sampling strategy, or replicate its target index. It will primarily invest in U.S. companies, although it may invest in foreign stocks or sectors as well.

Global Beta Smart Income ETF

The Global Beta smart income detective ETF is an exchange-traded fund. It invests in the public equity markets of the United States, in stocks of diversified, dividend-paying companies. The fund seeks to replicate the performance of the Global Beta Smart Income Index, which is comprised of diversified U.S. companies. It was formed on December 27, 2019 and is domiciled in the United States. To invest in Global Beta Smart Income ETF, you must be at least 18 years of age.

Tata AIA Life Insurance Smart Income Plus plan

The Tata AIA Life Insurance Smart Income Plus Plan is a non-linked endowment plan that offers regular income payouts and a lump sum endowment benefit. It also features guaranteed additions and bonus accumulation. The plan has both regular and endowment plans that provide a range of guaranteed payouts between thirteen and seventeen percent of the annualized premium. The payouts for both plans depend on the age and gender of the policyholder.

Exide Life Smart Income Plan

The Exide Life Smart Income Plan is a new and unique life assurance plan that offers both guaranteed income and a life insurance cover. You will need to pay premiums for six, eight, ten, or twelve years to get a payout, but after that you will enjoy guaranteed income and a bonus at the end of the payout term. In addition to this, the plan offers riders that increase the protection of your policy.

Pramerica Life Smart Income Plan

The Pramerica Life Smart Income Plan is a type of endowment policy that provides regular income for its members and a death benefit at the time of maturity. The plan requires monthly premium payments for a period of 15 or 20 years and has no limit on the basic sum assured. It is suitable for both individuals and businesses. The company offers a wide variety of life insurance policies for individuals and groups. It has 138 branches across India and 2,453 employees.

Schwab Intelligent Income

If you want a reliable portfolio for your retirement, you should consider signing up for the Schwab Intelligent Income service. This feature is a part of the Schwab Intelligent Portfolios Premium service. When you sign up for the service, you will be asked to fill out a short questionnaire to determine the appropriate strategy for your retirement account or taxable account. This service invests your money in low-cost ETFs from third-party providers and Schwab.

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How LifeYield Software Can Help Firms Form Optimal Tax-Smart Income Planning Strategies

June 5, 2022 by Brett

How LifeYield Software Can Help Firms Form Optimal Tax-Smart Income Planning Strategies

A tax-smart asset location strategy is key to improving outcomes for clients and firms alike. The right tool will identify opportunities for engagement and help firms develop an optimal strategy for tax-smart income detective planning. The key to a comfortable lifestyle is a plan, and not retiring without one can be a huge mistake. However, there is a solution. With LifeYield, firms can identify opportunities to engage with clients. Here’s a look at how this software can help you engage your clients and formulate a tax-smart income planning strategy.

Schwab Intelligent Income

The goal of Schwab Intelligent Income is to provide investors with the greatest chance of achieving a comfortable retirement lifestyle. The Schwab Intelligent Income system will analyze your financial profile and recommend an investment portfolio with risk levels that correspond to your risk tolerance and needs. It will also calculate a personalized withdrawal amount based on your goals and risk tolerance, and run simulations to determine your likely investment performance. Once you’ve selected a portfolio, you can begin withdrawing money automatically, or manually.

Schwab Intelligent Income can be used to create an automated retirement plan. The automated process helps you track your goals, and can offer recommendations if you fall off track. The service’s live representatives are available year-round to answer questions and help you implement it. In addition, if you want more comprehensive financial planning, you can purchase Schwab Intelligent Portfolios Premium. For more information, read the Schwab Intelligent Income article. Here are some of the benefits you can expect:

Exide Life Smart Income Plan

The Exide Life Smart Income Plan offers flexible premium options that you can choose depending on your financial situation. Its Term Edge plan has three variants – a Term Income Plan that allows you to make payments on premiums throughout the policy’s tenure, a Term Premium Plan that lets you make one single premium every month, and a Whole Life Plan that provides lifelong coverage. The Term Income Plan pays a death benefit and accumulated bonuses. It also waives off future premiums if you die within the policy’s term. In case of death, the death benefit is not repaid, but you receive income for 60 months after your death.

The Exide Life Smart Income Plan is a participating plan, so it is eligible for applicable bonuses. However, bonus payouts are not guaranteed, and the rate of bonus fees will fluctuate depending on the performance of the fund. In addition, tax benefits are subject to change. This policy also offers enhanced protection via riders. You can choose from one of these options based on your situation and investment goals. Besides, it allows you to make payments via debit card, credit card, or net banking.

SBI Life Smart Income Protect

SBI Life has come out with the Smart Income Protect Plan, a traditional insurance plan that provides guaranteed returns. Although there is a premium payment term, the policy starts its payout period only after the premium payment period is over. The plan also provides tax benefits, and the policy owner can choose riders for an additional premium. The following illustration illustrates how these riders can benefit an investor. Let us look at an example: Mr. Raman, 35, opts for a plan to save for his future. He chooses the Smart Income Protect plan with a sum assured of Rs. 10 lakh, and a premium payment term of 15 years.

SBI Life Smart Income Protect plan offers several options for paying premiums. The premium is calculated based on the term of the policy, the policyholder’s age and gender, and the amount of the sum assured. The policyholder can choose to pay the premium through monthly or yearly installments, or in full at the time of the policy. SBI Life Smart Income Protect also offers several optional additional riders. For instance, you can choose to have an additional rider that covers a certain deductible, or opt to cover all expenses in the event of a death.

Pramerica Life Smart Income

The Pramerica Life Smart Income Plan is a comprehensive financial product that offers tax benefits under the Income Tax Act. The policy has a 15-year policy term and a 12-year premium-paying period. Mr. Raman pays an annual premium of Rs 1 Lac. His policy provides him with an annual payout of Rs 1.94 Lacs, which helps him meet his financial goals. Upon death, his family is protected by the Death Sum Assured, a financial benefit that is not taxed.

The Pramerica Life Smart Cash Protect plan provides protection for your family, child progress, and a guaranteed maturity benefit. These policies offer a range of premium payment options, including monthly premiums. The plans also offer guaranteed maturity benefits and accrued maturity additions. A number of other features of these products include the option to pay premiums regularly, including a choice of limited payment terms of twelve, fifteen, and twenty years. Loans against these policies are also available to policyholders.

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