Different Types of Bank Investments

7/28/2019 Different Types of Bank Investments

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10-10-13 9:ifferent Types of Bank Investments | MMA | CD | IRA | Bonds | 401K

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Different Types of Bank Investments

In the wake of the recent recession, the American people have become disillusioned with severalmarket related investment options. Many previously sound investments have spiraled down totouch all time lows, wiping out the life time savings of many. For instance the houses, whichwere traditionally considered good assets, got heavily devalued during the crash and are yet tocatch up with their pre-recession values. With fears of a second recession lurking in the wings,

the dynamics ofthe investment scenario have significantly changed.

The economic downturn has also changed the investment and savings perspective dramaticallyacross the US. While confidence in investments is returning, investors are also more cautious thanever before with their money. Safety seems to be the key concern while investing rather thanyield. Given this, the investment options which are backed by the FDIC or which are safe instruments arefinding increased favor. Here is an overview of some such safe and rewarding investment options.

Navigation of Bank Investments

1 Money Market Accounts

2 Certificate of Deposit3 IRA- 3.1 Traditional IRA- 3.2 Roth IRA- 3.3 Self directed IRA- 3.4 SEP IRA- 3.5 Simple IRA4 401k Plans

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5 Bonds- 5.1 Zero Coupon Bonds- 5.2 Government Backed Bonds- 5.3 Government Savings Bonds- 5.4 Municipal Bonds6 Fixed Income Investing- 6.1 Annuity

- 6.2 Bank Loan Funds

More Beginner Investing Tutorials

1. Money Market Accounts

A money market account is a type of savings or deposit account, which earns better interest on the moneydeposited and has higher minimum balance requirement. There is also a limitation on the number ofwithdrawals you can make from the account in a month.

Banks and credit unions offer money market accounts (MMAs) as they earn interest on the funds parked in

them. When you deposit funds in a money market account, it is used for investments in government andcorporate securities. This is why such accounts are also called money market deposit accounts.

The interest your money earns in a MMA is usually calculated daily with the total amount shown in youraccount once a month. You can deposit money today into a MMA and withdraw tomorrow without muchhassle. As is evident, the longer your money stays in a MMA the more the interest it accumulates.

A MMA is a good savings option because of the higher interest rate that it offers compared to a typicalsavings account with a bank. However, the higher yield brings its own set of restrictions on the account.You may be limited to making only 6 withdrawals a month of which just 3 can be made by check. Inaddition, a MMA usually comes with a higher minimum balance requirement than a savings accounts. The

aim of a MMA is to encourage investment rather than spending, and the conditions are designed towardsthis goal.

In spite of these limitations, a MMA is a sound investment because of its risk free nature. While the FederDeposit Insurance Corp. insures the MMAs offered by banks, the National Credit Union Administrationinsures credit union MMAs. During periods of economic uncertainty, many investors choose MMAs as asafe haven for their funds because of the government backing that these accounts enjoy.

Investors in MMAs should however be aware of high fees that may be imposed on them if the withdrawallimits are exceeded. Also, it is necessary to factor in the income tax payable on the interest earned fromthese accounts to arrive at the net yield, when comparing them to other investment options.

2. Certificate of Deposit (CD)

The Certificate of Deposit or CD, as it is more popularly known, is a money market investment option versimilar to a MMA in many respects. Both are offered by banks and credit unions, and both promise higheinterest rates than traditional savings accounts. Similar to a MMA, a CD is one of the safest investments inmoney market instruments because of the FDIC or NCUA guarantee backing it.
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But a CD is less liquid than a money market account. Usually a CD comes with a specific lock in periodsay, three to six months or 1 to 5 years. If the investor wants to pull out before this period is up, he or shewill have to pay a premature withdrawal penalty. The penalty is informed about at the time of opening theaccount and it is put in place to dissuade withdrawals and encourage investment.

CDs are good options when prevailing interest rates are high. Your interest is insulated against marketfluctuations until the end of the investment lock in period. However, some institutions do offer variable ra

CDs too. These can be of many types. One of the common types is the CD linked to the market index. Thefinal interest amount that you earn on such CDs depends on the initial and final index value.

One critical difference between a CD and a MMA is that, for higher deposit values, a CD is likely to offerhigher interest rates. Before you start looking for CDs that yield the best rates, it is necessary to understandthe annual percentage yield that you would derive from each option. This yield shows the rate of return youwill stand to get, after the compounding of the interest is taken into consideration. The APY (annualpercentage yield) of the CDs you are considering should give you a good idea of how beneficial they arewhen compared to others.

3. IRA

The Employee Retirement Income Security Act (ERISA) enacted in 1974 brought the Individual RetiremeAccount or IRA into being. With the IRA, employees have the option of making structured payments intothis account for the purpose of retirement planning. Tax benefits on the IRA payments make them doublyattractive. Employers can match the employee contributions into the IRA, boosting the individuals savingfor the future. This also serves as an incentive for the employee of the company. Every tax paying Americcitizen under the age of 70 can create an IRA and contribute to it. The FDIC insures IRAs, which makethem safe investment options.

There are several types of IRAs, which offer some unique features and benefits to the account holders.

3.1 Traditional IRA

A traditional IRA is for anyone who can make and maintain minimum contributions. It is maintained at aninstitution such as a bank and the funds may be invested in instruments that are approved by thegovernment. Typically, only those investments, which are considered safe are approved for the IRAs,because the money from the account is aimed at retirement planning.

Traditional IRAs offer significant tax benefits. The taxation applies only at the time of withdrawal.Considering that you are likely to require the IRA funds only post retirement when your lack of salariedincome puts you in a lower tax slab, this is a huge advantage.

The contributions are deducted from your gross income before you calculate the total tax you need to pay your income. Net result is that you pay taxes on a lower income. This feature makes the traditional IRA thmost favored IRA account in the US.

Investors can withdraw funds from the traditional IRA after the age of 59 . This is subject to thestipulation that the IRA has been in operation for at least 5 years. Else you will have to wait for the 5 yearto be completed. Other than in a few exceptional cases, any withdrawal before the age of 59 will draw a10% penalty in addition to the normal income taxes on the funds.


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3.2 Roth IRA

The working of the Roth IRA is very similar to its traditional cousin. One main difference is thatcontributions to the Roth IRA are not tax deductible. However, the withdrawals are tax free if the IRAholder fulfills the necessary stipulation of age and the IRA has been in existence for the minimum 5 yearperiod. It is easier to pull out cash from a Roth IRA than a traditional IRA.

It is also important to know that there are no mandatory withdrawals beyond the age of 70 with RothIRAs. You can continue to contribute to the Roth IRA well beyond this age and until you wish to do so.This means that the Roth is a safe and lucrative investment program during retirement years too, especiallyfor those who do not really depend on the savings from their IRA account to manage living expenses.

Another significant advantage with the Roth IRA is that the funds parked in this investment account can bleft to heirs after the account holders death. The best part is that this legacy accumulates value tax free.Minimum distribution (withdrawal) rules will be applicable on the heirs though. This feature comes in verhandy especially with huge estates where tax would otherwise take a huge bite out of the estates totalvalue.

Traditional IRAs can be converted to Roths, but you will have to pay off taxes on the investment beingconverted. You can also opt for part conversion of your traditional IRA into Roth to control the amount oftaxes you will need to pay during the conversion.

3.3 Self directed IRA

As the name suggests, this IRA is primarily managed by you, the owner. However, according to IRSregulations, a custodian is required to be in charge of managing the account and ensuring that all regulatioare conformed with. This custodian may also provide you, the IRA owner with advice and help on investinand aid in understanding the government provisions pertaining to these investment options.

Interested investors can open a self directed IRA with a brokerage. Most of them allow you to open thiskind of account online with detailed instructions on the process to help you. You can either create a new sedirected IRA in this manner or ask for company sponsored retirement funds to be directly credited into thisIRA account to avoid taxes when you change jobs or retire.

Self directed IRAs offer much more options in terms of the kind of investments you can undertake with thfunds parked here. Although these are also called real estate IRAs by some, property is not the only kind oinvestment you can make with these funds. You can truly diversify your retirement saving funds byinvesting in real estate, mortgages, company equity, stocks and many other investment avenues using thisaccount. There are some restrictions on the kind of investments that can be made. For instance, insurancecontracts and collectibles are not approved investments for self directed IRA funds.

3.4 SEP IRA

A Simplified Employee Pension IRA (SEP IRA) is a kind of savings plan sponsored by the employer. Herthe employer makes contributions to the IRA for the benefit of his or her employees. This kind of IRAaccount can either be opened by the employer for an employee or the employer can contribute to an existiemployee IRA. The SEP IRA is also a good option for self employed individuals, who can save with thislow cost, low maintenance investment option.
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The SEP IRA is subject to the same rules and regulations as the traditional one. This is because mostinstitutions ask for the employee to have a traditional IRA or for one to be opened in the employees namand use this as a SEP account before any contributions can be deposited. Some institutions also insist thatthe IRA be named a SEP IRA for this purpose.

The employer gets tax benefits from the contribution he makes to this IRA. The funds in the SEP IRA areonly taxed at the time of withdrawal by the beneficiary.

The contributions schedule is quite flexible and allows employers to maintain more discretion in howfrequently they make deposits into this account. However, regulations do require that all employees aretreated equally by means of matching contributions to their individual SEPs.

3.5 Simple IRA

The Savings Incentive Match Plan for Employees is more commonly known as the SIMPLE IRA. As thename suggests, this is an uncomplicated and hassle free retirement fund that allows employers to providefunds for retirement planning of employees. The SIMPLE IRA is for small businesses, which have less tha100 employees. The administration of the SIMPLE IRA is easy and economical when compared to other

retirement plans, which makes it a good option for small businesses.

Contributions can be deducted from the salary of the employee. This means that the employer gains asignificant tax advantage when he makes contributions to the employees IRA account. Contributions toSIMPLE accounts are also lower than other kinds of IRA accounts. The employer is required to match theemployee contribution or make non elective contributions every year. However, the employee is allowedmuch more flexibility in deciding his contribution schedule and amount. The funds are taxed at the time ofwithdrawal only. Premature withdrawals or roll overs may draw a penalty.

Another advantage for employees with a SIMPLE IRA account is that they can choose the institution wherthe account is held. The investment options for the IRA funds depend largely on the institution where the

account exists. Normally there is a wide range of options to choose from. There are also self directedSIMPLE IRAs, which allow market savvy employees to manage their own investment portfolio with thefunds parked in the account.

4. 401k Plans

401ks are also employee retirement benefit plans, which allow individuals to save for retirement. This kindof employer sponsored plan lets the individual save substantial amounts with help from his employerscontribution to the plan. Typically, employers match the employee contribution to the 401k plan.

401ks are easy to open, operate and manage. The employee can arrange for his or her contribution to be

credited directly into the account. This enables him or her to maintain a consistent savings schedule.

In addition, the employee also gains the advantage of tax savings. In fact, many Americans use the 401k aa tax planning tool. The contributions are not taxable when they are deposited into the account, becausetaxes apply only at the time of withdrawal. In a Roth 401k, the contributions are taxed at the time of depointo the account. When withdrawn, the funds in a Roth 401k are tax free.

The contributions to the 401ks are on the increase with successive governments steadily raising the bar on


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how much you can put into your 401k periodically. Higher allowable limits for contributions translate intolower taxes at present and greater savings accumulation for the future.

The range of investments available with your 401k plan may be restricted when compared to a self directeIRA or SEP IRA. Your employer may also have a significant influence on where your 401k funds getinvested.

In spite of this limitation, the 401k is definitely a plan you should participate in to take advantage of themany benefits it offers. You should start saving early with a 401k. The earlier you start making deposits inthe plan, the more time the money will have to grow and the more the number of contributions you can gefrom your employer.

A change of jobs does not affect your 401ks value. Under such circumstances, you can continue tomaintain status quo, although employer contributions from your previous employer will no longer beforthcoming. You can also roll it over into another 401k, or withdraw the cash. The last option is the leastadvised, as the many advantages of 401ks will no longer apply on the funds you pull out.

5. Bonds

Bonds are loans given by the investor to the issuer. Given this, the bond is redeemed when the issuer paysback the loan at the end of a pre specified period. Government treasury bonds or bonds issued by longstanding established companies are sound investments as these lenders are safe and not likely to default onthe repayment.

The interest yield on the bond is clearly mentioned at the time of purchase. Even if the markets tank, yourinterest is insulated if you have a bond purchased earlier. This is the main reason why bonds typically yieldbetter returns when share prices are falling to dismal levels or the economy is in recession.

There are many types of bonds:

5.1 Zero Coupon Bonds

These are bonds sold at huge discounts from the face value. The interest payments are accumulated until tmaturity of the bond and paid up along with the redemption amount. If you expect a large future expense,then a zero coupon bond is your ideal investment option. However, a quirk in the taxation rules requires thyou pay taxes on the receivable interest annually even if it is not actually disbursed to you. Because of thiszero coupon bond makes a perfect IRA investment.

5.2 Government Backed Bonds

These are highly secure investments and include treasury bonds and bills. The interest yield is slightly lowthan other bonds because of the complete safety guaranteed with these instruments. Other agencies andfederal institutions also issue similar bonds. While these may not have the full backing of the governmentthey are considered just as safe for investment purposes. The degree of government backing determines thinterest rates payable on these bonds.

5.3 Government Savings Bonds

These are completely safe bonds, which are also free from state and local taxes. Many parents opt for
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purchasing these bonds in the minors name to take advantage of his or her zero federal tax status to avoidtax completely with these bonds.

5.4 Municipal Bonds

These are bonds issued by cities, towns, counties, districts, municipal bodies et al. These bonds are federalincome tax free and also, for most part free from state taxes. The tax free feature sets off any loss from the

lower interest rate that these instruments usually carry.

6. Fixed Income Investing

These are investments which afford a regular and pre determined yield. While bonds are also fixed incominvestments, there are many others that can be categorized under this heading.

Permanent insurance products that combine savings with the basic insurance goals are a type of popularfixed income investments. These products allow you to invest in the form of premiums and allow yourmoney to grow tax deferred. Loans are also allowed against the existing value of your policy. Universal,variable and whole life plans offer different benefits, varied repayment terms and also differ in the way th

underlying investments affect your total policy value.

6.1 Annuity

The annuity offers a regular income stream during retirement. It is basically a contract with an insurancecompany and duplicates a pension plan in its repayments. These are complex instruments and a thoroughunderstanding is necessary before you buy them. Remember that these instruments do not offer much in thway of tax benefits as the earnings are taxed at repayment time as ordinary income. The high fee also putsoff many investors. However, an annuity can give you great flexibility with respect to managing yourportfolio without costs. The freedom to make contributions without age restrictions lets you add to yoursavings on a continuous basis.

6.2 Bank Loan Funds

Bank loan funds are another fixed income option with yields higher than other such instruments. The higheyield can be attributed to the short term nature of the underlying loans that make up the loan fund. The facthat they are more risky than the other fixed income investments is a primary reason for the higher interestthey yield. Many investors choose these products in spite of the absence of FDIC backing. They believe thany risk is set off by the assets of the company, which are put up as collateral for the original loans.

While safety in investment is a critical factor to consider while creating your portfolio, it also has to bebalanced with adequate returns and liquidity. The investment options discussed above offer some good

solutions to achieving this objective.
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Related posts:

1. IRA Rollover2. Chapter 3: Types of Money Market Investments3. IRA/Keogh Accounts

4. Chapter 2: How to Invest in Money Market Accounts5. Chapter 1: Beginner Money Market Investing Strategies and Concepts

Filed Under: Beginner Investing Tagged With: 401K, bank investments, Bonds, CD, certificate of depositIRA, MMA, money market accounts, municipal bonds, Roth IRA, savings bonds, Traditional IRA

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