Retirement Savings

The yin and yang of defined contribution plans. For employers, defined contribution retirement plans represent freedom from financial volatility, traditional pension risk, market volatility, and long-term financial uncertainty; however, they also impose new risks and responsibilities on the employer. For employees, defined contributions offer individual control, greater flexibility, and, in an ideal world, access to institutionally priced investments. Capital Investments and Securities Limited can help design, plan, and manage customized defined contribution plans. We help employers optimize plans both globally and locally. We align organizational objectives with workforce demographics and employee behaviors to identify how employers can help improve retirement outcomes for their employees while meeting workforce management needs. Capital Investments and Securities Limited works closely with our clients to provide tools and services that may improve employee retirement incomes and optimize employer outcomes.

The sooner you begin saving for retirement, the better. Whether you're in your twenties or fifties, saving for retirement is a smart financial strategy. Everyone will face retirement at some point, either by choice or necessity. While you can't predict certain life events like divorce, death, or children, it's important to keep them in mind when planning your retirement. Whether you're on track to save for retirement or need to catch up, retirement savings will put more money in your account. You can contribute a percentage of your net income to your Capital Investments and Securities Limited retirement savings account to save for Health, Old age, home purchase, child college, emergency etc with compound interest. Compound interest is the single biggest reason to start planning for retirement early. If you're unfamiliar with the term, compound interest is the process by which a sum of money increases exponentially due to interest accumulating over time. With Capital Investments and Securities Limited, you can manage your investments yourself with zero fees or capital minimums to earn 5% monthly.

Our retirement savings allow contributions and potential investment gains to accumulate tax-free. Withdrawals can be made tax-free when they mature providing you’re 60 or older and you have met the minimum account holding period (currently two years) and there are no mandatory or controlled withdrawals. This means that you can make withdrawals even without meeting the minimum account holding period, but may be subject to taxes.