When it comes to investing, a lot of the terminology can feel confusing. What is active vs passive investing? What does alpha actually measure? And what happens if you want to get out of an annuity but there is a surrender charge involved?

In this episode of Common Curiosities: Retirement, Michael CFP®, EA walks through three questions that came up.

Topics include:

💭 The difference between active and passive investing

💭 How alpha can impact your investing selections

💭 How professionals compare funds using risk adjusted returns

💭 Ideas to get out of an annuity you no longer want

💭 How penalty free withdrawals may work with an annuity

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 Introduction to Active and Passive Investing

00:13 Type of Investing, Alpha, Annuities

00:56 Can't Breathe & Swallow?

01:12 Active vs Passive Investing

05:11 Evaluating Investment Teams

06:35 What the Heck is Alpha?

07:52 Fund is "Up a Lot" But It's Still Underperforming?

09:09 Where Can You Find Alpha?

09:34 Annuity Penalties and Free Surrenders

12:10 Other Ideas to Avoid Penalties

13:21 Taylor Swift Fan?

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.