scholarly journals How To Invest Your IRAs In Profitable Real Estate IRAs

2011 ◽  
Vol 2 (11) ◽  
Author(s):  
Raj Kiani ◽  
M.A. Sangeladji
Keyword(s):  
Real Estate ◽  
Interest Rates ◽  
Retirement Savings ◽  
Sharp Decline ◽  
The Public ◽  
Individual Retirement Accounts ◽  
The Past ◽  
Retirement Accounts ◽  
Roth Ira ◽  
Investment Advisers

Since the inception of Individual Retirement Accounts (IRAs) in 1974, the public has been advised strongly by bankers, accountants (CPAs), and investment advisors that the best strategy for IRA holdings is investment in stocks or bonds.  Unfortunately, with the sharp decline in the market value of stocks and the bottoming out of interest rates in the past years, most IRA funds have performed very poorly and investors have witnessed how drastically their retirement savings lost their accumulated value.  During these years, apparently, not many investment advisers have bothered to consider other alternative ways for investing accumulated IRAs and pension funds.  There is, in fact, another viable investment alternative that offers both safety and a considerable growth rate.  That is real estate IRAs.  The purpose of this paper is to explain (a) why the traditional and Roth IRA should be invested in real estate, b) the steps involved in establishing a sound real estate IRA, (c) the restrictions and the dos and don’ts of investing in a real estate IRA, and (d) the tax and penalty consequences of incorrect investment in a real estate IRA.

Political pressure on Turkey's Central Bank will go on

2015 ◽  
Keyword(s):  
Interest Rates ◽  
Sharp Decline ◽  
Content Type ◽  
Balance Sheets ◽  
The Past ◽  
Consumer Prices ◽  
Highly Sensitive ◽  
The Us ◽  
External Sources ◽  
Run Up

Significance The CBRT is expected to respond at its regular monthly interest rate-setting meeting to the fall in inflation in January to 7.2%. However, while the nearly 50% slide in oil prices since last June has led to a sharp decline in headline consumer prices, core inflation has been hovering near 9% for the last four months -- significantly above the CBRT's 5% inflation target. Just as importantly, Turkey's currency has fallen to a record low against the dollar, losing 7% over the past month because of the increasing politicisation of Turkish monetary policy and mounting expectations that the US Federal Reserve (Fed) will begin hiking interest rates as early as June, putting Turkish assets under renewed strain. Impacts CBRT independence is becoming one of the main focal points for market concern about emerging markets. Heavy reliance on external sources of finance will leave Turkey highly sensitive to resurgent dollar and increased US Treasury yields. Renewed lira weakness is likely to persist in the run-up to elections in June, which could also coincide with rising US interest rates. That would put further pressure on the balance sheets of Turkey's heavily indebted corporate sector.

Book Reviews

2010 ◽  
Vol 48 (4) ◽  
pp. 1038-1039
Keyword(s):  
The United States ◽  
Retirement Savings ◽  
Behavioral Strategies ◽  
Yale University ◽  
Individual Retirement Accounts ◽  
The United Kingdom ◽  
Retirement Accounts ◽  
Lifetime Income ◽  
Retirement Security

James J. Choi of Yale University reviews “Automatic: Changing the Way America Saves” by William G. Gale, J. Mark Iwry, David C. John, Lina Walker,. The EconLit Abstract of the reviewed work begins “Nine papers explore methods of making the U.S. system of 401(k)-type plans and Individual Retirement Accounts more effective. Papers discuss retirement saving for middle- and lower-income households--the Pension Protection Act of 2006 and the unfinished agenda (William G. Gale, J. Mark Iwry, and Spencer Walters); the automatic 401(k)--revenue and distributional estimates (Christopher Geissler and Benjamin H. Harris); pursuing universal retirement security through automatic IRAs (Iwry and David C. John); national retirement savings systems in Australia, Chile, New Zealand, and the United Kingdom--lessons for the United States (John and Ruth Levine); increasing annuitization in 401(k) plans with automatic trial income (Gale, Iwry, John, and Lina Walker); automatic annuitization--new behavioral strategies for expanding lifetime income in 401(k)s (Iwry and John A. Turner); retirement security for Latinos--bolstering coverage, savings, and adequacy (Peter R. Orszag and Eric Rodriguez); retirement security for women--progress to date and policies for tomorrow (Leslie E. Papke, Walker, and Michael Dworsky); and strategies to increase the retirement savings of African American households (Ngina Chiteji and Walker). Gale is Arjay and Frances Miller Chair in Federal Economic Policy at the Brookings Institution and Director of the Retirement Security Project. Iwry is Senior Adviser to the Secretary and Deputy Assistant Secretary for… Index.”

scholarly journals DEVELOPMENT AND PERFORMANCE OF THE PUBLIC REAL ESTATE INVESTMENT SECTOR IN FINLAND

2013 ◽  
Vol 17 (3) ◽  
pp. 233-247
Author(s):  
Heidi Falkenbach ◽  
Jaakko Niskanen ◽  
Sami Kiehelä
Keyword(s):  
Real Estate ◽  
Commercial Real Estate ◽  
Market Participant ◽  
Real Estate Investment ◽  
The Public ◽  
The Past ◽  
Equity Investments ◽  
Historical Performance ◽  
And Performance

The article studies the development of the public real estate equity sector. The paper describes and analyses the legislative development regarding the sector and the vehicles provided. It discusses the past development of public commercial real estate equity investments in Finland and their role as a market participant. In addition, the paper analyses the historical performance of the sector.

Factors Associated With the Ownership of Individual Retirement Accounts (IRAs): Applying the Theory of Planned Behavior

2020 ◽  
pp. JFCP-19-00023
Author(s):  
Frank M. Magwegwea ◽  
HanNa Lim
Keyword(s):  
Theory Of Planned Behavior ◽  
Path Analysis ◽  
Planned Behavior ◽  
Psychological Factors ◽  
Behavioral Control ◽  
Perceived Behavioral Control ◽  
Retirement Savings ◽  
Individual Retirement Accounts ◽  
Factors Associated ◽  
Retirement Accounts

Despite the importance of retirement savings, many individuals retire with lack of adequate retirement savings. While calculating retirement savings needs was found to enhance retirement savings, little is known about what underlies this enhancement. Applying the theory of planned behavior (TPB), we developed a model in which psychological factors influence the calculation of retirement savings needs, which in turn influences the ownership of individual retirement accounts. Path analysis was used to test our model with data from the 2015 National Financial Capability Study. The results showed that favorable attitudes, strong social norms, and perceived behavioral control are associated with calculating retirement savings needs. Also, calculating retirement savings needs as well as perceived behavioral control and having an employer-based retirement plan, in turn, contributed to the prediction of individual retirement account ownership. Our results suggest it is important to understand he psychological factors behind calculating retirement savings needs and to make it easy for individuals to calculate those needs.

How Will State-Run Auto-IRAs Affect Workers?

2018 ◽  
Keyword(s):  
Survey Data ◽  
Credit Card ◽  
Retirement Savings ◽  
Retirement Plans ◽  
National Scale ◽  
Individual Retirement Accounts ◽  
Financial Difficulties ◽  
Retirement Accounts ◽  
Opt Out ◽  
Over Time

In order to encourage savings among workers without access to employer-sponsored retirement plans, several states have proposed defaulting workers into state-run individual retirement accounts known as Auto-IRAs. Plans such as OregonSaves automatically enroll workers and, by default, increase their contributions over time. Given low opt-out rates, these policies have the potential to increase retirement savings for workers without access to employer-sponsored plans. Using survey data, we find that over 24 million workers could automatically be enrolled in an Auto-IRA, if enacted on a national scale. Nonetheless, these policies have the potential to adversely affect individuals with debt and current financial difficulties who do not actively opt-out. One-third of potentially affected workers hold credit card debt with an average balance exceeding $5,000. Furthermore, approximately 15% of potentially affected workers have difficulty meeting basic needs.

scholarly journals Individual Retirement Accounts and Other Retirement Savings Plans

EDIS ◽  
1969 ◽  
Vol 2004 (1) ◽  
Author(s):  
Josephine Turner
Keyword(s):  
Federal Government ◽  
Tax Incentives ◽  
Private Pension ◽  
Retirement Savings ◽  
Social Goal ◽  
University Of Florida ◽  
Individual Retirement Accounts ◽  
Retirement Accounts ◽  
The Government

For many years, Congress has recognized that saving for retirement is a worthwhile social goal and should be encouraged by the government. The federal government has encouraged the growth of private pension and savings plans through the use of various tax incentives. This publication will focus mainly on individual retirement accounts (IRAs), but other plans such as simplified employee pensions (SEPs), 401-K plans, and Keogh plans will be discussed, too. This document is FCS5258, one of a series of the Department of Family, Youth and Community Sciences, University of Florida, UF/IFAS, Gainesville 32611. First published: September 2003.

Tax Retirement Savings Decisions Using an Excel Spreadsheet Approach

2020 ◽  
Vol 35 (3) ◽  
pp. 39-55
Author(s):  
Lorraine S. Lee ◽  
Victoria Hansen ◽  
William Brink
Keyword(s):  
Information Systems ◽  
Professional Organizations ◽  
Retirement Savings ◽  
Retirement Plans ◽  
Public Accounting ◽  
Accounting Firms ◽  
Retirement Accounts ◽  
Accounting Curriculum ◽  
Integration Of Technology ◽  
Roth Ira

ABSTRACT Accounting academia and professional organizations alike emphasize the need for the integration of technology and information systems into the accounting curriculum. This case integrates taxation concepts (individual retirement savings) and information systems and technology skills (advanced Excel). The case, which can be implemented at the undergraduate or graduate level, requires students to use advanced Excel technical functionality to calculate the tax implications of retirement investing scenarios using three specific types of tax-deferred retirement accounts—a traditional 401(k), a traditional IRA, and a Roth IRA. As many students who complete this case will work for public accounting firms that offer retirement plans, they will benefit academically, professionally, and personally from the knowledge and skills learned in this case.

Professionalism Reconsidered

1987 ◽  
Vol 12 (04) ◽  
pp. 773-789 ◽  
Author(s):  
Nancy J. Moore
Keyword(s):  
Las Vegas ◽  
Professional Standards ◽  
Public Confidence ◽  
Sharp Decline ◽  
The Public ◽  
The Past ◽  
Chief Justice ◽  
Association Meeting ◽  
Bar Association ◽  
Opinion Polls

Over the past few years, bar officials have increasingly called for a “rekindling” of lawyer professionalism. Perhaps the most forceful of these calls was sounded by former Chief Justice Warren Burger, in an oft-quoted speech he gave to the 1984 American Bar Association meeting in Las Vegas. There he chastised the profession for what he viewed as recent departures from “professional standards and traditions of the bar [which] in the past served to restrain members of the profession from practices and customs common and acceptable in the rough-and-tumble of the marketplace.” In particular, the former Chief Justice cited the absence until recently of lawyer advertising and solicitation, noting that “to those who still regard the practice of law as a profession of service-with high public obligations, rather than as a trade in the marketplace-the professional standards against advertising are still widely observed.” Although conceding that some developments in “higher lawyer visibility”, such as “store-front, street-level offices of so-called legal clinic" actually benefit the public, Burger nonetheless maintained that advertising and other commercial practices as well as a number of other abuses (such as an “excess of adversary zeal”) have resulted in a sharp decline in public confidence, as measured by some opinion polls.

scholarly journals Złożoność wyboru w decyzjach inwestycyjnych

2014 ◽  
Author(s):  
Adam Samborski
Keyword(s):  
Capital Accumulation ◽  
Retirement Savings ◽  
Individual Retirement Accounts ◽  
The Third ◽  
Retirement Accounts ◽  
Gender And Age ◽  
Reliable Knowledge ◽  
Growth Barriers ◽  
The Individual ◽  
Investment Portfolios

The Fundamental questions in all pension systems concern the choices made by individual. The most important issues are: whether and to what extent individuals should determine the choice of pension products provided; whether and to what extent individuals should determine the choice of investment portfolios; whether and to what extent individuals should determine the choice of stream of income in retirement. Consideration in this text focuses on individual retirement decisions that are made in the phase of capital accumulation. The subject of inquiry is questions about the causes: the reasons for the low interest of savings in the third pillar of pension provision in Poland; the causes in variation of savers determined by gender and age; the reasons for determining the allocation of assets within the Individual Retirement Account PZU (insurance company). For this purpose, the described facts are explained by referring to the reliable knowledge of behavioral economics. The author made the analysis of basic legal regulations governing the operation of individual retirement accounts, and individual retirement savings account, as well as the analysis of basic statistics describing the market. Attention is paid to the key growth barriers of the third pillar of pension provisions in Poland and savers investment behavior within the individual retirement accounts. The text concludes proposals aimed at encouraging the development of voluntary forms of pension provision in Poland.

scholarly journals The financial feasibility of delaying Social Security: evidence from administrative tax data

2017 ◽  
Vol 17 (4) ◽  
pp. 419-436 ◽  
Author(s):  
GOPI SHAH GODA ◽  
SHANTHI RAMNATH ◽  
JOHN B. SHOVEN ◽  
SITA NATARAJ SLAVOV
Keyword(s):  
Social Security ◽  
Retirement Age ◽  
Retirement Savings ◽  
Financial Assets ◽  
Individual Retirement Accounts ◽  
Savings Accounts ◽  
Retirement Accounts ◽  
Social Security Benefits ◽  
The Relationship ◽  
Retirement Study

AbstractDespite the large and growing returns to deferring Social Security benefits, most individuals claim Social Security before the full retirement age. In this paper, we use a panel of administrative tax data on individuals likely to financially benefit from delaying Social Security claiming to explore the relationship between Social Security claiming and distributions from tax-advantaged retirement savings accounts. We find that the majority of our sample claim Social Security prior to taking distributions from Individual Retirement Accounts (IRAs). We also find that a third of our sample have IRA balances equivalent to at least two additional years of Social Security benefits, and a quarter have IRA balances equivalent to at least 4 years of Social Security benefits. We complement our analysis with data from the Health and Retirement Study and find that these percentages are considerably higher when other financial assets are taken into account.

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