If you are planning for retirement or looking to build a solid foundation for your financial future, knowing the main tools available in the United States is essential.
These strategies are widely used by those seeking security, wealth growth and family protection throughout life.
Annuities
Annuities work like contracts with insurance companies, in which you make contributions and, in exchange, receive monthly payments in the future. These payments can last for a specific period or until the end of your life. They are an interesting option for those who want financial stability in retirement, with the possibility of including protection for spouses and heirs. In addition, there are modalities with fixed income or linked to the market. Some examples are Roth IRA and Traditional IRA.
Index Plan
The Index Plan is a solution that tracks the performance of market indexes, such as the S&P 500, offering growth potential without exposing the investor to extreme risks. With this strategy, it is possible to obtain good returns in periods of growth and, at the same time, count on protection mechanisms in case of a market decline. It is widely used in insurance and retirement products focused on profitability and security.
401(k)
A 401(k) is a retirement plan offered by companies in the United States that allows employees to invest a portion of their salary before taxes, with the possibility of additional contributions from the employer. It is one of the most practical ways to save for retirement, with automatic deductions via payroll and tax incentives. For those who change jobs, it is possible to transfer the 401(k) balance to another plan, such as an IRA, maintaining the tax benefits and avoiding penalties.
Kaizen
Kaizen is a financial approach that combines life insurance with capital accumulation, using increasing contributions over time. It adapts to the individual's financial evolution, allowing for the growth of assets while simultaneously protecting them. This strategy aims to provide future income generation with flexibility and security.
Infinity Banking (or Infinity Bank)
Infinity Banking is a wealth management philosophy that uses permanent life insurance to create a kind of personal bank. The accumulated value in the policy can be used throughout life through loans with attractive conditions. It is a strategy used by those who want to maintain control over their capital with tax and inheritance benefits.
Payroll
Payroll is the process responsible for managing payroll in companies, encompassing salaries, taxes, benefits, overtime and legal obligations. Having an efficient payroll system is essential to maintain tax compliance, organize labor charges and correctly integrate benefits offered to employees, such as insurance and retirement plans.
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