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INDEX

high-yield (junk) bond mutual funds, 83 holding stock, 90 HOPE program, college savings and, 157 housing authority municipal bonds, 115 hybrid mutual funds, 81–82 hybrid REIT, 130

immediate annuities, 95 income equity mutual funds, 79–80 income shifting and taxes, 182–184 income stocks, 56 income vs. wealth, 41–42 income-bond mutual funds, 83 income-mixed mutual funds, 82 incorporation, 189, 191–193 index mutual funds, 86–88 indexes of stocks, 54, 67

annuities and, 99–101 mutual funds, 86–88 industrial development municipal bonds, 115 inflation, 48–49

asset allocation and, 23–25 long-term care insurance and, 236 inflation-indexed Treasury notes and bonds,

117–118 information sources for stock prices, 66–69 inheritance (See estate planning) initial consultation with financial advisor, 4–5 initial public offerings (IPOs), 1 insurance (See also disability insurance; life

insurance; long-term care insurance), 14–15, 197–198 risk and, 198–199, 198 insurance agencies as financial advisors, 2, 4 insured municipal bonds, 115–116 interest rate risk in bonds, 109 International Bank for Reconstruction and

Development (World Bank), 120 international bond mutual funds, 83–84 international equity mutual funds, 80 Internet stocks, 1 investing vs. speculating, 52 investment planning, 15–16 Investor’s Business Daily, 67 IRAs, 2, 29–31, 305–307

annuities and, 94–95 contribution limits on, 306–307, 306 Education IRAs in, 156–158 maximum contribution to, 45 nondeductible, 307 required minimum distribution (RMD) in, 307 retirement planning and, 283, 291 rollover, 307–308

347

IRAs (Cont.): SIMPLE plans and, 301–304 tax deductibility of IRA contributions in, 312–313 tax-deferred investments in, 31–35 taxes and, 171 irrevocable life insurance trusts, 326 irrevocable trusts, 323–324 itemized deductions, 170, 179–182

junk bonds, 83

Keogh plans, 173, 304–305

large-cap stocks, 57 level term life insurance, 201 life insurance, 29–31, 197–216, 217 amount needed in, 214–215, 216 annually renewable term, 200–201 annuities vs., 93–106 cash-value or permanent, 203 continuous-premium whole, 204–205 convertibility provisions, in term, 202 credit type, 213 decreasing term, 201–202 estate planning and, 326–329 irrevocable life insurance trusts in, 326 level term, 201 limited-payment whole, 206–207 mortgage type, 213 need for, 213–214 renewability provisions, in term, 202 second-to-die policies in, 329–330 single-premium whole, 205–206 taxes and, 175–176 term, 200–203 types of, 199, 212–213 universal, 208–210 variable, 210–212 whole, 203–208 Lifetime Learning credits program, 157 limited liability companies (LLCs), taxes and, 192–193 limited-payment whole life insurance, 206–207 living trusts, estate planning and, 324–325 living wills, 321 load mutual funds, 74–78 long-term care insurance (See also disability insurance), 229–240 benefits beginning in, 237–238 cognitive disorders and, 239–240 elimination periods for, 218 family care and, 231–233

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