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INDEX

351

small-cap stocks, 56–57 Social Security, 16, 246–258 age for receipt of, 252–256, 253, 255 amount received from, 252–256 beneficiaries of, 250–252 delaying retirement and, 252–256, 255 disability insurance, 220–222 family and survivor?s benefits in, 256–258 FICA taxes and, 247–248 financing of, 247–248 mandatory participation in, 252 retirement planning and, 287–289 solvency fears for, 248–250, 249, 251 supplemental security income (SSI) and, 246, 275 taxability of benefits from, 258 sole proprietorships, taxes and, 190 special tax municipal bonds, 116 speculating vs. investing, 52, 57 naked options in, 65–66 speculative stock, 57 spend down rule, in Medicaid, 275–276 split-funded annuities, 96 Standard & Poor’s, 86 bonds and ratings, 109, 110, 109 indexes, 54, 67 Standard & Poor’s Outlook, 67 state municipal bond mutual funds, 84 step-up directly owned assets, 28–29 stocks and estate planning, 330–331 tax-advantaged plans and, 30–31 stock options, 1 stocks, 51, 53–59 American Depository Receipts (ADR) and, 57–59 blue chip common, 54–55 common, 53–59 cyclical, 56 defensive, 56 dividend reinvestment programs (DRPs) and, 56, 59–60 dividends and, 55, 56, 59–60 earnings per share (EPS) in, 61–62 estate planning and, 330–331 foreign, 57–59 growth, 55 growth and income, 56 income, 56 information sources for, 66–69 large-cap, 57 market capitalization in, 57 market trends and, 58–59, 58

stocks (Cont.): mid-cap, 56–57 net asset value per share (book value per share) in, 63 preferred, 59 price-earnings (P/E) ratio in, 62–63, 67 return on equity (ROE) in, 61 small-cap, 56–57 speculative, 57 step-up in basis, stocks and, 330–331 trends in market and, 280 valuation of, common, 60–64 value, 55 yields in, 63–64 strategies of investing, 133 substantial equal periodic payment (SEPP) program, 309–311 supplemental pension plans, 294–300 supplemental security income (SSI), 246, 275 surrender charge for annuities, 104–105, 105 for mutual funds, 76, 76 switching financial advisors, guidelines for, 6–9

tax planning, 16 tax rate table, 196 tax-advantaged retirement plans, 29–31, 171–176 tax-deferred investments, 16, 31–35 tax-exempt investing, 16, 176–177 tax-exempt money market mutual funds, 85 municipal bonds and, 111–116, 113, 114, 176–177 tax-exempt money market mutual funds, 85 tax-managed mutual funds, 85–86 taxable bond mutual funds, 82–84 taxable money market mutual funds, 85 taxes, 169–196 adjusted gross income (AGI) in, 180–182 annuities and, 94–95, 105–106, 174–175 asset allocation and, 23–25, 24 bonds and, 111, 130, 188 children as employees and, 182–184 college savings and, 153–154 corporate bonds and, 111 discount bonds and, 122 Education IRAs in, 156–158 employer-sponsored retirement plans and, 294 estate planning and, 317–319 401k, 403(b), and 457 accounts and, 171–172, 298–300 general partnerships and, 190–191 generation skipping tax (GST) and, 317–318 income shifting and, 182–184

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