Prudential Financial

Displaying 1-33 of 33 results

  • White Papers // Dec 2010

    Critical Steps To Increase Retirement Security For All Americans

    The Pension Protection Act of 2006 (PPA) has helped employers mitigate a number of "Accumulation Risks" for employees, most notably the risks that individuals aren't participating in defined contribution plans, saving enough, or diversifying their investments appropriately. However, the corresponding "Distribution Risks" such as protecting savings from market volatility, converting...

    Provided By Prudential Financial

  • White Papers // Dec 2010

    The Importance Of Financial Risk Management In Today's Variable Annuity Market

    Variable Annuities (VAs) are playing an increasingly important role in helping individual investors achieve a secure retirement. Today's VAs typically enable individuals to invest their retirement savings in a diversified portfolio of equity and fixed-income securities, while locking in future streams of guaranteed lifetime income. As a result, today's VAs...

    Provided By Prudential Financial

  • White Papers // May 2010

    Keeping Promises New Solutions For Retirement Benefit Obligations

    Retirement benefit obligations, such as Defined Benefit (DB) plans and retiree healthcare benefits, are straining the finances of employers. Many DB plan sponsors are making larger contributions to their plans to address sharp declines in plan funding levels and to provide liquidity to make benefit payments. At the same time,...

    Provided By Prudential Financial

  • White Papers // Feb 2009

    Common Themes In Global Retirement: New Realities, Shifting Responsibilities

    Throughout the world nowadays, people cling to their retirement goals in the face of ever-increasing pitfalls. Indeed, a majority of individuals we surveyed in South Korea, Taiwan, and the U.S. are behind in their retirement savings. Upcoming retirees are dealing with a host of short-term needs and familial responsibilities, and...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Delaying Retirement Might Be An Option

    As you grow closer to retirement, carefully consider how much money you will need for retirement and how long you will need to maintain your standard of living during those years. Delaying your retirement - and keeping your money invested longer - may be an excellent way to ensure that...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Don't Overlook Retirement Assets In A Divorce

    If you find yourself going through a divorce, it is important that you do not forget about your retirement when considering who gets what in the property settlement. Besides the house, the cars and the dogs, pensions earned during a marriage are considered joint assets and marital property. In fact,...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Evaluating An Early Retirement Offer

    Your organization is downsizing, reorganizing, restructuring, cutting back, being sold, or experiencing some other form of shake-up, and they're offering an early retirement package to eligible employees. You fall into this group. Is this good news, or bad news? Should you take the offer or not? How do you know...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Develop A Tax-Smart Withdrawal Plan

    Retirement presents many challenges. Besides figuring out how to use all your newly gained free time, you have a variety of decisions to make. But none may be more important to your long-term financial security than figuring out how and when to withdraw your retirement income. You see, a well-thought-out...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Why Is It Important That I Name A Beneficiary For My Retirement Account?

    One of the most neglected aspects of retirement planning is making sure you have designated one or more beneficiaries for your account. A beneficiary is the person who would receive the money in your retirement account in the event of your death. It is always a good idea to have...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Wills - The Essential Part Of Your Estate Plan

    It's a simple answer to a complex issue. What kind of a will, how complicated it needs to be, what needs to be included in it, and what you want it to accomplish with it will vary from person to person. Regardless of your age or the size of your...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Life Insurance Needs Estimator

    This tool provides a quick and simple method to estimate the amount of additional life insurance you need.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Don't Delay Your Savings!

    Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This tool helps show you how much postponing your savings plan can really cost.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Roth Contributions Within Your Retirement Plan

    Roth retirement plan contributions allow you to contribute to your retirement account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than the Traditional contributions, where deposits are made on a...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Retirement Plan Withdrawal

    Withdrawing money from a qualified retirement plan, such as a Traditional IRA, 401(k) or 403(b) plan, among others, can create a sizable tax obligation. If you are under 59 ? you may also be subject to a 10% early withdrawal penalty. Use this tool to see what your net withdrawal...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    What Is The Advantage Of Converting To A Roth IRA?

    This tool estimates the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Retirement Plan Savings Calculator

    A retirement plan can be one of your best tools for creating a secure retirement. All contributions and earnings to your retirement plan are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. The result is a retirement savings plan you can not afford...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Investment Basics: Getting Started

    Whatever your reason for investing - be it retirement, a college fund for your child, or a major future purchase - it is a good idea to start as soon as possible. There are some basic ideas you should consider as you get started. Before committing money to any investment,...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Capital Gains And Losses

    Capital gains and losses result when you sell capital assets such as stocks, bonds, options, precious metals, and other commodities. You can determine capital gains and losses by comparing the difference between the proceeds you received upon the sale of the asset and the tax basis (adjusted cost) of the...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Tax-Deferred Annuities

    As you approach retirement, you will be faced with the need for a secure source of income. If you are looking toward retirement, you may want to consider annuities as an integral part of your financial plan. An annuity is a contract between an individual and an insurance company that...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Estate Conservation

    Your objectives in estate planning should include family security and minimizing estate taxes. The consequences of federal generation skipping transfer taxes and state estate taxes should also be considered in estate planning. Your gross estate comprises all property you own outright or in which you have any type of interest.

    Provided By Prudential Financial

  • White Papers // Dec 2008

    Turbulent Markets: Challenges And Opportunities For The Institutional Investor

    As in past crises, a previously unthinkable and unconsidered set of conditions brought about dislocation in the markets. The public and private sectors are reacting rapidly to address the over-leverage, under-regulation, and opacity that drove this financial crisis. Credit markets appear to have begun responding to this intervention. However, many...

    Provided By Prudential Financial

  • White Papers // Dec 2008

    The Fourth Pillar: Retirement Choices

    Many people have preconceived notions of what their retirement lifestyle will be, but longer years spent in retirement mean individuals have to think seriously about - or rethink - how they want to spend those years. Lifestyle choices, such as those listed below, both influence and are influenced by financial...

    Provided By Prudential Financial

  • White Papers // Nov 2008

    Retirement Security In The 21st Century: Guaranteed Lifetime Income

    The aging of 76 million Baby Boomers is placing increasing pressure on the Social Security program as well as on employer-funded retirement benefits. Leading academic research in the field of behavioral finance has demonstrated the power of "Automatic" default provisions that put inertia to work to participants' advantage. It guarantees...

    Provided By Prudential Financial

  • White Papers // Oct 2008

    Debunking Retirement Planning Myths

    As the American population ages, more and more media attention is being focused on the subject of retirement planning. This coverage often distills complex financial and tax concepts into simple "Rules of thumb" in order to make retirement planning more accessible. While these rules of thumb can be helpful places...

    Provided By Prudential Financial

  • White Papers // Sep 2008

    The Four Pillars Of U.S. Retirement: A Framework To Discuss How Americans Will Prepare For And Live In Retirement

    The Four Pillars have their origin in the traditional "Three-legged stool" of retirement security: Social Security, Employment-Based Plans, and Personal Savings. To this, Prudential has added a fourth Pillar, Retirement Choices, to capture lifestyle and financial choices that are taking on greater significance given the changing nature of retirement in...

    Provided By Prudential Financial

  • White Papers // Sep 2008

    The Four Pillars Of U.S. Retirement

    Prudential has developed the "Four Pillars of U.S. Retirement" as a framework to discuss how Americans will prepare for and live in retirement. The Four Pillars have their origin in the traditional "Three-legged stool" of retirement security: Social Security, Employment-Based Plans, and Personal Savings. To this, Prudential has added a...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    General Investing: Inflation And Taxes

    Inflation is a decline in the purchasing power of money. It's the main reason why a nickel won't get you in to see a movie anymore. The Consumer Price Index (CPI), the most popular measure for inflation, states the rise or decline (deflation) in costs as a yearly percentage. For...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    General Investing: Risk and Reward

    The key to developing a sound portfolio is to strike the right balance between potential reward and risk. In the financial markets, pursuing higher returns usually means accepting higher levels of risk. Before you venture anything, you should determine your personal level of risk tolerance, given your needs and goals....

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Equity Investing: Risk

    In order to reach your financial objectives, you must choose from diverse investment alternatives that vary greatly in the degree and type of risk and potential return. The key to developing a sound portfolio is to strike the right balance between potential reward and risk, based on your goals, financial...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Equity Investing: Types Of Stocks

    Stocks are often categorized into different classes to reflect different profiles of risk exposure (see Risk). There are separate market indicators for these different categories of stock. Diversification across these categories may reduce the volatility of a stock portfolio, as different risk factors are prominent at different times. The economies...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Mutual Funds: Distribution And Taxes

    There are two types of taxable distributions that mutual funds make to shareholders each year: ordinary dividends and capital gains. Selling or exchanging funds, even within the same fund family, usually results in capital gains or losses in the year the shares are sold. You are responsible to pay tax...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Mutual Funds: Types Of Mutual Funds

    Tax-free money market funds pay dividends that are free from federal and sometimes state and local taxes. (Dividends may be subject to the federal Alternative Minimum Tax for some investors.) These funds invest in short-term debt obligations of municipalities. It is important to note that U.S. government securities and U.S....

    Provided By Prudential Financial

  • White Papers // Jul 2008

    Guaranteed Lifetime Income Solutions

    Americans face two key challenges in planning for their retirement. In the savings accumulation phase, most notably during their working years, individuals need to save a sufficient amount to provide for a more secure retirement. In the retirement income, or payout, phase, they need to generate an adequate, guaranteed source...

    Provided By Prudential Financial

  • White Papers // Feb 2009

    Common Themes In Global Retirement: New Realities, Shifting Responsibilities

    Throughout the world nowadays, people cling to their retirement goals in the face of ever-increasing pitfalls. Indeed, a majority of individuals we surveyed in South Korea, Taiwan, and the U.S. are behind in their retirement savings. Upcoming retirees are dealing with a host of short-term needs and familial responsibilities, and...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    General Investing: Inflation And Taxes

    Inflation is a decline in the purchasing power of money. It's the main reason why a nickel won't get you in to see a movie anymore. The Consumer Price Index (CPI), the most popular measure for inflation, states the rise or decline (deflation) in costs as a yearly percentage. For...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    General Investing: Risk and Reward

    The key to developing a sound portfolio is to strike the right balance between potential reward and risk. In the financial markets, pursuing higher returns usually means accepting higher levels of risk. Before you venture anything, you should determine your personal level of risk tolerance, given your needs and goals....

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Equity Investing: Risk

    In order to reach your financial objectives, you must choose from diverse investment alternatives that vary greatly in the degree and type of risk and potential return. The key to developing a sound portfolio is to strike the right balance between potential reward and risk, based on your goals, financial...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Equity Investing: Types Of Stocks

    Stocks are often categorized into different classes to reflect different profiles of risk exposure (see Risk). There are separate market indicators for these different categories of stock. Diversification across these categories may reduce the volatility of a stock portfolio, as different risk factors are prominent at different times. The economies...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Mutual Funds: Distribution And Taxes

    There are two types of taxable distributions that mutual funds make to shareholders each year: ordinary dividends and capital gains. Selling or exchanging funds, even within the same fund family, usually results in capital gains or losses in the year the shares are sold. You are responsible to pay tax...

    Provided By Prudential Financial

  • White Papers // Aug 2008

    Mutual Funds: Types Of Mutual Funds

    Tax-free money market funds pay dividends that are free from federal and sometimes state and local taxes. (Dividends may be subject to the federal Alternative Minimum Tax for some investors.) These funds invest in short-term debt obligations of municipalities. It is important to note that U.S. government securities and U.S....

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Delaying Retirement Might Be An Option

    As you grow closer to retirement, carefully consider how much money you will need for retirement and how long you will need to maintain your standard of living during those years. Delaying your retirement - and keeping your money invested longer - may be an excellent way to ensure that...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Don't Overlook Retirement Assets In A Divorce

    If you find yourself going through a divorce, it is important that you do not forget about your retirement when considering who gets what in the property settlement. Besides the house, the cars and the dogs, pensions earned during a marriage are considered joint assets and marital property. In fact,...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Evaluating An Early Retirement Offer

    Your organization is downsizing, reorganizing, restructuring, cutting back, being sold, or experiencing some other form of shake-up, and they're offering an early retirement package to eligible employees. You fall into this group. Is this good news, or bad news? Should you take the offer or not? How do you know...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Develop A Tax-Smart Withdrawal Plan

    Retirement presents many challenges. Besides figuring out how to use all your newly gained free time, you have a variety of decisions to make. But none may be more important to your long-term financial security than figuring out how and when to withdraw your retirement income. You see, a well-thought-out...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Why Is It Important That I Name A Beneficiary For My Retirement Account?

    One of the most neglected aspects of retirement planning is making sure you have designated one or more beneficiaries for your account. A beneficiary is the person who would receive the money in your retirement account in the event of your death. It is always a good idea to have...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Wills - The Essential Part Of Your Estate Plan

    It's a simple answer to a complex issue. What kind of a will, how complicated it needs to be, what needs to be included in it, and what you want it to accomplish with it will vary from person to person. Regardless of your age or the size of your...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Life Insurance Needs Estimator

    This tool provides a quick and simple method to estimate the amount of additional life insurance you need.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Don't Delay Your Savings!

    Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This tool helps show you how much postponing your savings plan can really cost.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Roth Contributions Within Your Retirement Plan

    Roth retirement plan contributions allow you to contribute to your retirement account on an after-tax basis - and pay no taxes on qualifying distributions when the money is withdrawn. For some investors, this could prove to be a better option than the Traditional contributions, where deposits are made on a...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Retirement Plan Withdrawal

    Withdrawing money from a qualified retirement plan, such as a Traditional IRA, 401(k) or 403(b) plan, among others, can create a sizable tax obligation. If you are under 59 ? you may also be subject to a 10% early withdrawal penalty. Use this tool to see what your net withdrawal...

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    What Is The Advantage Of Converting To A Roth IRA?

    This tool estimates the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.

    Provided By Prudential Financial

  • Tools & Templates // Jan 2009

    Retirement Plan Savings Calculator

    A retirement plan can be one of your best tools for creating a secure retirement. All contributions and earnings to your retirement plan are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. The result is a retirement savings plan you can not afford...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Investment Basics: Getting Started

    Whatever your reason for investing - be it retirement, a college fund for your child, or a major future purchase - it is a good idea to start as soon as possible. There are some basic ideas you should consider as you get started. Before committing money to any investment,...

    Provided By Prudential Financial

  • White Papers // Sep 2008

    The Four Pillars Of U.S. Retirement: A Framework To Discuss How Americans Will Prepare For And Live In Retirement

    The Four Pillars have their origin in the traditional "Three-legged stool" of retirement security: Social Security, Employment-Based Plans, and Personal Savings. To this, Prudential has added a fourth Pillar, Retirement Choices, to capture lifestyle and financial choices that are taking on greater significance given the changing nature of retirement in...

    Provided By Prudential Financial

  • White Papers // Dec 2010

    The Importance Of Financial Risk Management In Today's Variable Annuity Market

    Variable Annuities (VAs) are playing an increasingly important role in helping individual investors achieve a secure retirement. Today's VAs typically enable individuals to invest their retirement savings in a diversified portfolio of equity and fixed-income securities, while locking in future streams of guaranteed lifetime income. As a result, today's VAs...

    Provided By Prudential Financial

  • White Papers // Dec 2010

    Critical Steps To Increase Retirement Security For All Americans

    The Pension Protection Act of 2006 (PPA) has helped employers mitigate a number of "Accumulation Risks" for employees, most notably the risks that individuals aren't participating in defined contribution plans, saving enough, or diversifying their investments appropriately. However, the corresponding "Distribution Risks" such as protecting savings from market volatility, converting...

    Provided By Prudential Financial

  • White Papers // May 2010

    Keeping Promises New Solutions For Retirement Benefit Obligations

    Retirement benefit obligations, such as Defined Benefit (DB) plans and retiree healthcare benefits, are straining the finances of employers. Many DB plan sponsors are making larger contributions to their plans to address sharp declines in plan funding levels and to provide liquidity to make benefit payments. At the same time,...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Capital Gains And Losses

    Capital gains and losses result when you sell capital assets such as stocks, bonds, options, precious metals, and other commodities. You can determine capital gains and losses by comparing the difference between the proceeds you received upon the sale of the asset and the tax basis (adjusted cost) of the...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Tax-Deferred Annuities

    As you approach retirement, you will be faced with the need for a secure source of income. If you are looking toward retirement, you may want to consider annuities as an integral part of your financial plan. An annuity is a contract between an individual and an insurance company that...

    Provided By Prudential Financial

  • White Papers // Jan 2009

    Tax Strategies: Estate Conservation

    Your objectives in estate planning should include family security and minimizing estate taxes. The consequences of federal generation skipping transfer taxes and state estate taxes should also be considered in estate planning. Your gross estate comprises all property you own outright or in which you have any type of interest.

    Provided By Prudential Financial

  • White Papers // Dec 2008

    The Fourth Pillar: Retirement Choices

    Many people have preconceived notions of what their retirement lifestyle will be, but longer years spent in retirement mean individuals have to think seriously about - or rethink - how they want to spend those years. Lifestyle choices, such as those listed below, both influence and are influenced by financial...

    Provided By Prudential Financial

  • White Papers // Dec 2008

    Turbulent Markets: Challenges And Opportunities For The Institutional Investor

    As in past crises, a previously unthinkable and unconsidered set of conditions brought about dislocation in the markets. The public and private sectors are reacting rapidly to address the over-leverage, under-regulation, and opacity that drove this financial crisis. Credit markets appear to have begun responding to this intervention. However, many...

    Provided By Prudential Financial

  • White Papers // Jul 2008

    Guaranteed Lifetime Income Solutions

    Americans face two key challenges in planning for their retirement. In the savings accumulation phase, most notably during their working years, individuals need to save a sufficient amount to provide for a more secure retirement. In the retirement income, or payout, phase, they need to generate an adequate, guaranteed source...

    Provided By Prudential Financial

  • White Papers // Sep 2008

    The Four Pillars Of U.S. Retirement

    Prudential has developed the "Four Pillars of U.S. Retirement" as a framework to discuss how Americans will prepare for and live in retirement. The Four Pillars have their origin in the traditional "Three-legged stool" of retirement security: Social Security, Employment-Based Plans, and Personal Savings. To this, Prudential has added a...

    Provided By Prudential Financial

  • White Papers // Nov 2008

    Retirement Security In The 21st Century: Guaranteed Lifetime Income

    The aging of 76 million Baby Boomers is placing increasing pressure on the Social Security program as well as on employer-funded retirement benefits. Leading academic research in the field of behavioral finance has demonstrated the power of "Automatic" default provisions that put inertia to work to participants' advantage. It guarantees...

    Provided By Prudential Financial

  • White Papers // Oct 2008

    Debunking Retirement Planning Myths

    As the American population ages, more and more media attention is being focused on the subject of retirement planning. This coverage often distills complex financial and tax concepts into simple "Rules of thumb" in order to make retirement planning more accessible. While these rules of thumb can be helpful places...

    Provided By Prudential Financial