Investments of Individuals
At Bill Palmer Insurance, we want to help our customers secure their
dreams. One way to do this is through one of our many savings programs.
Personal Investments:
We offer a variety of investment opportunities including:
 | Annuities
Annuities are available with both fixed or variable rates. Investments are virtually
unlimited and the interest grows tax deferred. There are usually penalties for early
withdrawl. |
| Mutual Funds
Mutual Funds offer individuals the opportunity to invest in ownership in a variety of
professionally managed stock and bond funds. Because the fund is investing in the
"market" Mutual Funds do not offer a guaranteed return and could even result in
a negative return. However, with the risk comes the potential of a greater reward.
Mutual Funds are variable rate products. |
| IRAs
IRAs (Individual Retirement Accounts) are a special type of savings program set up by the
government. Individuals (within income guidelines) can invest up to $2,000 of earned
income each year income tax freeuntil withdrawl. Both fixed and variable intrest
rates are available and there are usually penalties for early withdrawl. |
| Roth IRAs
Roth IRAs are similar to IRAs except the money invested is taxed before investment but
comes out tax free. It is also available with both fixed and variable rate products. |
Of course our individual plans are excellent, but nothing is quite as simple as our
payroll deduction plans.
Payroll Deduction:
Payroll Deduction allows individuals to have a regular amount deducted at each pay
period. By committing to a regular payment plan, we can waive many of the high
limits normally expected with savings instruments.
Benefits:
| Ease of savings (most people don't miss what they don't see) |
| Consistent earnings (very competitive rates) |
| Low initial investment |
| Both fixed rates and mutual funds are available |
| Tax deferred programs are available |
| Employees own the accounts and take 100% with them if they leave. |
Programs:
| Individual Savings (Annuities and Mutual Funds) |
| Individual IRAs |
| Individual Roth IRAs |
Call us today at 740-687-5733 or 800-244-5734 or e-mail Larry and ask for more information about our Payroll
Deduction Programs.
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