We Are to Help

free-services

Subscribe by Email

Your email:

Who We Are

Our Solutions


Not sure how to invest? Need advice? Fill out the form below, and we will personally contact you and review your investments with you.

How Fees Work

Contact Us

Would you like to be contacted by phone?


Key Investor Insight

Current Articles | RSS Feed RSS Feed

Tune Out the Investment News Noise

  
  
  
stock market doom

There’s a reason that investors tend to only hear about “looming” market doom or “imminent” market growth. While many news outlets have incentive to draw viewer attention with wildly bullish or bearish predictions, these sensationalized views may be a distraction to a sound investment approach. When tempted to make a radical change to your investment portfolio based on these headlines, it is important to recall some basic fundamentals to keep your plan on track.

Warning: Mutual Fund Tax Bills Are Rising

  
  
  
14090509044 29daea5e8a m

Mutual fund investors' tax bills have been on the rise again recently. The average capital gains distribution (a payment to shareholders of profits realized on the sale of a fund’s securities) for U.S. equity funds based on data as of April 2014 is 19.3% of assets, compared with, for example, 6.9% back in 2007. These recent distributions are among the largest seen since the start of the financial crisis in 2008.

Is Cash-Secured Puts Part of Your Asset Allocation Model? (Part 1)

  
  
  
ask your stock broker

Have you given your stockbroker an order to buy a security at a specified price?

Investors May ‘Prefer’ to Look Elsewhere for Fixed Income Yield

  
  
  
asset allocation puzzle



With yield so scarce today, investors are branching out into different asset classes in their search for income. Many investors have set upon preferred stock, a hybrid security usually issued by highly leveraged companies, such as financial institutions, telecoms, and utilities. Preferred stock has characteristics of both bonds and stocks. Like stocks, preferreds are traded daily on an exchange. Like bonds, they pay fixed income on a regular basis (usually quarterly), but typically they do not offer as much capital appreciation potential as common stock. In the capital structure, preferred stock is senior to common stock but junior to corporate bonds, and preferred shareholders have no voting rights.

 



Five Reasons to Let a Sleeping 401k Lie

  
  
  
investment 401k

Let Your 401k Nest Egg Nap

 

The Ins and Outs of the 5-Year Rule for Roth IRAs

  
  
  
401k

 Learn How to Protect Your Nest Egg

   

Letting money sit tight in an old 401(k) plan is the path of least resistance, which is why many participants let their assets sit in the plans of former employers. This, of course, may be better than cashing the money out and spending it. Investors younger than 55 pay ordinary income taxes and a penalty on any premature distributions, which can diminish a 401(k) balance considerably. But there are also other reasons why staying put in a former employer's plan may be the best course of action.

Investing Your Year-End Bonus

  
  
  
retirement resized 600

What to do with that year-end bonus is a pressing concern because bonuses are increasingly supplanting annual pay raises as a means of rewarding employees. Here are a few ways to make the most of your bonus.

Five Year-End Tax Tips to Help Your Investments

  
  
  
taxes

1. Contribute to your tax-advantaged accounts: One of the best ways to cut your tax bill is to reduce your taxable income. It is important to take advantage of any retirement-plan contributions you can make to reduce your taxable income. You can contribute $17,000 to your 401(k) plan in 2012, and those age 50 or older can save an additional $5,500. Consider ratcheting up your contribution before the end of the year if you're on pace to fall below that contribution limit.

Know Your Own Inflation Rate for Your Investments

  
  
  
Social Security

The Consumer Price Index (CPI), a measure of inflation, is a monthly statistic representing the change in prices paid by urban consumers for a representative basket of goods and services. While this measure serves more as an official gauge, a lot of consumers (especially retired consumers and investors) seem to have a different sense of inflation. The question often arises: Why is it that the official rate seems to be lower than what we're actually feeling out there?

The Art of Asset Allocation

  
  
  
asset allocation

Asset location is a part of the investing strategy that involves deciding which investments to hold in which accounts, and taxes play an important role in this decision. Here are a few basic guidelines.

All Posts

Privacy Policy

We recognize that our relationship with current and prospective clients is based on integrity and trust. Respect for our clients' privacy is highly valued at Key Investment Team, and your privacy is important to us. We work hard to maintain your privacy and we are very careful to preserve the private nature of our relationship with you, and we understand that the trust you have placed in us is conditional upon our proper and secure handling of your personal information.

Information Key Investment Team Receives

Key Investment Team may collect non-public personal information about you from the following sources:

  • Information we receive from you or your authorized representative on applications and other forms, in interviews, or by other means; and
  • Information about your transactions with us, our affiliates, or others.

Information Key Investment Team Shares

We do not rent, sell, trade or otherwise release or disclose any personal or financial information about you. We do not provide client information to persons or organizations outside of Key Investment Team who are doing business on their own behalf, for marketing purposes or otherwise.

We may disclose all of the information we collect, as described above, to agents, brokers and representatives who service you, and to companies as necessary to effect, administer, or process a transaction, or for maintaining or servicing your account, and as otherwise permitted by law.

Otherwise, we do not disclose any non-public personal information about our clients or former clients to anyone, unless authorized by the client or as required by federal or state law.

Information Access and Security

We restrict access to non-public personal information about you to those employees at Key Investment Team who need to know that information to provide the products or services to you. We maintain physical, administrative and technical procedural safeguards that comply with federal standards to guard your non-public personal information.

We require anyone to whom we disclose your personal information to protect its confidentiality and to use it solely for the purpose for which it is disclosed. We enter into contractual agreements with non-affiliated third parties that prohibit the third parties from disclosing or using your non-public information other than to carry out the purposes for which we disclosed the information.

Changes to Our Privacy Policy

Key Investment Team reserves the right to modify or remove parts of this privacy statement at any time. We will notify you in advance of any changes that may affect your rights under this policy statement. Should you have any questions regarding our privacy procedures, please feel free to contact Cay Boychenko at (818) 205-1013.


Subscribe by Email

Your email: