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As we mentioned in previous articles we know that our government only represents about 30% of our retirement income. The company retirement pension plan offers another 30 % and many of us do not have one. It is up to individuals to invest wisely short and long term in order to make up for the short fall if he or she would like to live comfortably after retirement without giving up some retirement plans. In this article, we will discuss Other Investment vehicles.
Beside investing in short, long term certificates and equity market of some public companies, investors may invest their money in private companies (non public), mortgage security of amusement park, as well as certain private bond.
Remember, all these types of investment are presented without following any guide line of the security laws and you are the one that have to make the decision as well as additional information to reduce risk.
These types of private investment usually pay a higher interest rate, but remember the higher the return, the higher risk.
1. Amusement park investment
For whatever reasons, some companies cannot borrow money or don't want to borrow money from financial institutions, may pool some of their real estate assets that use as collateral for a first mortgage bond issue with higher than market interest rate and guaranteed by the companies. Normally, under this types of offer, the companies will only produce the independent asset assessment and history of company business as well as years of experience in such business. it is up to the investor to decide that type of offer is worth to invest.
2. Real estate pooling
For the reason above, some private real estate companies will poll together some residential real estate and use that pool of asset as first mortgage for a bond issued.
3. Over counter stocks
Some private company can not list their companies in public stock exchange may offer their stock in over counter stock exchange. This type of stock use to be brought up by some investment dealers and re sell to their clients for a percentage of total amount.
4. Your personal real estate
Real estate always remains an investment option. As you retired, your paid-up home represents a major investment and you can gain extra equity through a home equity loan. Many institution will be happy to lend you the money if you use your home as collateral.
The money from your home allows you to borrow money to invest in the equity markets and the interest are tax deductible.
I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://financialinvesting09.blogspot.com/
