TR=I+G Guide

There are many misconceptions about investing. One is that the terms ‘growth’ and ‘return’ are synonymous. They are not. Total return is a sum of two things: income plus growth, as illustrated in the formula: TR=I+G.

To break it down further, growth comes in the form of capital appreciation, while income is generated through interest and dividends.

For most of your working life, not knowing about this formula is okay. When you’re in your 30s and 40s, it doesn’t matter much if you think growth and return are one and the same. At that age, you’re still in the growth and accumulation stages of life.

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Risk Tolerance and Investing for Income

Risk tolerance is one of the most important ingredients in creating a retirement plan that’s right for you. That’s why understanding risk tolerance and how to accurately determine your own is so important. Some people are naturally wired to take risks. Others are wired to avoid risk as much as possible.

Retirement Risk Report

In survey after survey, the top financial fears among older Americans are almost always the same. They include things like: Not having saved enough for

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