Estate planning can be a difficult process, as we’ve discussed in previous articles. While most people create their will and all contingencies for when they inevitably pass away, oftentimes people rush through the process without failing to take the possibility of what should happen in the event that they become incapacitated. Even if you find…
DetailsA guaranteed winner is never a sure thing when it comes to investing, but sometimes certain products seem close to the mark. Principal protected notes (otherwise known as PPN’s) are a specialized group of funds that are built to ensure guaranteed returns on levels that the average investment product cannot. Bank accounts that are guarded…
DetailsAnytime a business venture on the rise announces an IPO (initial public offering, rest assured there is bound to be a lot of excitement in the investment world. Google and Facebook are just two examples that come to mind. If a private investor wants to get in on the ground floor of a money factory,…
DetailsWhile the word “fee” may seem like a pretty obvious term in that it means the same across many different realms, it can take on a whole new meaning in the world of investments. Regardless of the kind of investment, there is almost always some type of fee involved. “Many people make decisions regarding their…
DetailsAsset allocation is exactly what it sounds like. It is essentially how you allocate your assets. But what that actually means and why it is so crucial are a little more complicated. When it comes to your investments there is far more at play than choosing one formula or how you divvy things up. “The…
DetailsFor a variety of different reasons, many people seek out both non-traditional and novel investments to add to their growing portfolio. Litigation finance, otherwise known as litigation funding, is a relatively small but fast-growing investment trend for those investors that aim to capitalize on the developing sphere of arbitration and litigation. Litigation funding in a…
DetailsReal estate is an excellent addition to any portfolio. The question is, what kind of properties should you be investing in? There has been an increasing degree of interest in PBSA’s (purpose-built student accommodations) over the last decade or so. As the name suggests, these are accommodations that have built for student populations, specifically. “Purpose-built…
DetailsTime and time again, our discussions always return to diversifying your portfolio to make sure your wealth is protected. Another investment type to consider when you allocate your assets is commodities. Many will tout commodities as one of the main ways to hedge against rising inflation. “Commodities are more than buying gold bullion or investing…
DetailsInsurance can be considered a necessary evil, until you suffer a catastrophic loss. While certain types of coverage require the services of a traditional insurance provider, captive insurance could be a viable option for those entities that have liquid assets that they want to reinvest in themselves with the added benefit of setting their own…
DetailsRoth IRAを積み立てている高所得者にとっては、不利な法律が制定されました。一個人では、最高13万1千ドル、夫婦では最高19万3千ドルと上限額が設定されたのです。 修正調整後総所得と調整後総所得が同額の方は、同様の退職金の運用プランに契約することが可能な場合もあります。 初心者の方は、医療費については、修正調整後総所得の控除対象となることに着目しましょう。この対象となる金額は最高2550ドルです。夫婦や被雇用者の場合は、各々が2550ドルとなります。この方法を使えば、Roth IRAの加入資格を得ることができます。 保育費も、修正調整後総所得から控除することができます。子供を持つとも働きの夫婦であれば、日中子供を預けるための費用につき、5000ドルの控除が可能です。こうすることにより、リタイアメントプランへの加入が可能になる場合があります。 投資で損した分についても、最高3000ドルまで控除することができます。修正調整後総所得を減らすために、マイナスが出ているファンドを売却することも良い手でしょう。3000ドル以上の損が出ているものについては、翌年の申告のために残しておくことも可能です。 Roth 401(k) または403(b)についてお考えの方についても、具体的な内容をはじめ、様々なプランをご提案させていただきます。 Roth IRAについてさらに詳しくお知りになりたい方は、是非日本アジアウェルスマネジメントのリチャード・ケインにご相談ください。 お問い合わせはこちらまで。 日本アジアウェルスマネジメント 代表取締役 リチャード・ケイン (+66) 02 611 2561. リチャード・メイヤー・ケイン カナダ・モントリオール州ケベック生まれ。 ロンドンに上場するアジア・ウェルス・グループの代表取締役。東京で、メイヤーグループの代表を15年務めた後、現在アキコ夫人と二児とともにバンコク在住。 リチャード・ケインは、アジアにおける資産マネジメントについて、19年以上の実績を持つ。日本人に対しても、国際税務、資産管理に関するコンサルティングを行う。
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