
It tracks the MSCI US REIT Index and includes all kinds of real estate, currently holding 20% in residential free check credit report Corpus Christi ETFs that own things like apartment complexes. It like the diversification of this fund, even free check credit report Corpus Christi though it can be a free check credit report Corpus Christi rough ride, and in a struggling economy things like commercial properties will be harder to free check credit report Corpus Christi rent out.
Heres the growth of $10,000 chart of both the Vanguard REIT Index Fund and the SP 500 index, from mid-1996 to today.
This type of chart accounts for total return, including dividends. The REIT fund has done better than the SP 500, which free check credit report Corpus Christi some may find surprising (or not) given the housing bust. As you can also see, they dont always move together, which is good. Including REITs free check credit report Corpus Christi and rebalancing has offered a free check credit report Corpus Christi way to achieve better returns even if you like a free check credit report Corpus Christi simple buy and hold portfolio. canada free credit report I cant guarantee that this type of helpful diversification will continue in the future, but Im happy with my current portfolio right now, and am free check credit report Corpus Christi glad to be a lazy landlord in this manner. Find more in Investing, Real Estate | 9/19 | 4 Comments Recent political debates have brought up comparisons between Social Security and Ponzi schemes. (Have you read the book about the real free check credit report Corpus Christi Ponzi?) Even though seemingly every single economist on Earth has weighed in, this discussion has free check credit report Corpus Christi been around for so long that the Social Security website free check credit report Corpus Christi already has an entire page dedicated to addressing it. business credit reports To summarize, yes Social Security shares some traits with Ponzi schemes in that money from new participants goes to earlier participants. However, it relies on a free check credit report Corpus Christi rather straightforward transfer and does not depend on an exponential free check credit report Corpus Christi growth of new participants to be sustainable.
What I pay into Social Security today goes straight to a current retirees Social free check credit report Corpus Christi Security check. When I retire, free check credit report Corpus Christi my paycheck will be supported free check credit report Corpus Christi by a younger workers taxes. The problem is, that the ratio of workers to retirees is getting rather low. In 1950, there were 7.3 working-age people for each person over 65; now, the ratio is 4.7 to 1, and it is scheduled to drop to 2.7 to free check credit report Corpus Christi 1 by 2035. [Source] Since people are living longer as free check credit report Corpus Christi well, the reality is that for a 30-something like me, the math works out that there is little chance that we will get the same level of relative benefits that current retirees get. credit free report score However, there will be no sudden Ponzi-like implosion.
Now, the government could smooth this transition out even more if they do the hard thing and do some combination of higher taxes, extending retirement free check credit report Corpus Christi ages with higher life expectancy, or lowering benefits.
But politicians are usually reactive as opposed to proactive, so dont count on it.
Thats too bad, free check credit report Corpus Christi because people are more dependent on Social Security than ever.
70% of all eligible folks cant even wait until 65 to start taking benefits, many as early as 62, even though that means lower payments and likely a lower total benefit.
Brak komentarzy:
Prześlij komentarz