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Principal Annuities

Posted on April 18, 2011.
Principal AnnuitiesMoney in a tax-free money market mut fun, seeking capital protection, the current monthly income, better method?

I try to retain ownership of capital and no loss of principal value of one million dollars. I also currently seeking a monthly income that can be either tax free or not, but preferably free of tax. Wondering if there is a better method than the Money Market Fund tax-free mutual yield higher rates are low, but even more main stream of monthly income. I'm not looking for an annuity, once the ownership of capital. Thank you in advance.

You do not say how old you are, but you seem to have made up your mind: no risk to principal! Of course, inflation is higher than the interest rates being so MM "safe" you're guaranteed to lose purchasing power.

My best advice is to call Vanguard, Fidelity or the like (empty companies mutual funds). When I was first because I had an excellent service from them but you have many choices. They can help you establish a single, a balanced portfolio that will give you a higher income and still give you some protection against inflation. There is no charge for this portfolio, at your level and their costs are very, very low.

Check bankrate.com for the highest rate for 1 CD of the year. Next, determine what makes you more tax-free account money market or CD.
tax-free return divided by (100 minus your tax bracket) = equivalent taxable yield
taxable yield X (100 minus your tax bracket) = yield tax free.

If you are offering the CD is a higher after tax yields, for a monthly income for them, first put money in a money market account, then once a month to spend 1 / 12 money in a CD 1-year (or 1 / 24 February, 2-year CD, never higher interest). During the first year, you'll have less monthly income of the market share of the money is used. But after 1 year, each CD is due (monthly) to take interest in your monthly income and capital to reinvest in another CD 1 yer.

You can buy each AAA municipal bonds that produce more than 4% tax free. You may be able to find through an online trading account, such as Fidelity or eTrade or any other brokers. Otherwise, you could use a full-service broker in the state where you live. If you live in a state where there is a tax on income, you could only buy bonds and be both state and federal tax free.

With so much money and with rates so low and your money are subject to the ravages of inflation, you really should expand on the risk at least a portion of your money. For example, you could buy preferred shares (which are less risky than common shares, but not without risk) with dividend yields of over 7% on some highly rated companies. Many sell for about $ 25 per share and stock price doesn not fluctuate that much. You can buy a basket of preferred shares different. There are mutual funds that specialize in both bonds and preferred shares Muni, if you can not get comfortable picking them yourself.

Standard and Poor's publishes a newsletter called Outlook (available at most libraries) that lists companies with strong ratings that have increased their dividends each year. Many utility companies have more than 3% dividend and raise often they receive an increased use of water, electricity and gas and phone usage. I want to invest in energy companies as a hedge against my utility bills. Dividends have the advantage of lower tax rates than CDs and interest on bonds. Finally, you can invest in the highest grade corporate bonds and obtain a better rate than a money market with little risk as long as you stick to AAA companies like Johnson & Johnson.
With one million dollars, a tax rate of the free market money less than 2% is not going to return $ 20,000 per year. You can easily increase that to $ 50.

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