Alternative Questions

Alternative investments are products that aren’t conventional investments like traditional stocks, bonds, or cash equivalents. They are generally less regulated and less liquid than traditional investments and are considered to have a higher degree of risk.

Yes. This includes investing in rental properties, commercial properties, and land.

Peer-to-peer (P2P) lending platforms or through alternative lending funds.

No, REITs are available in the public markets which can’t be considered as alternative investments. However there are some REITs available in the private sector, which can be considered as alternatives.

Alternative investments aren’t as regulated compared to traditional investments. They dont have to be registered with the SEC. The individual investor has to conduct their own extensive due diligence.


A financial product that provides a stream of regular payments to the investor for a specific period or for their lifetime.

A contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future.

4 generic steps : purchase, accumulation, annuitization and payments.

Annuities carry less risk than individual stocks and bonds, but it comes with a degree of risk. Such risks include :

      1. Credit risk – the risk the insurer will become insolvent
      2. Purchasing power risk – the risk that inflation will be higher than the annuity’s guaranteed rate
      3. Liquidity risk – the risk that funds will be tied up for years with little ability to access them
      4. Surrender risk – the risk that surrender penalties will create losses if funds are withdrawn early

Capital Markets

Total market value of a company’s outstanding shares of stock. It is calculated by multiplying the current market price per share by the total number of outstanding shares of the company’s stock.

Financial markets where long-term debt and equity securities are traded.

Stocks, Bonds, ETFs, Treasury Bills, Municipal Bonds

An economic system characterized by the absence of government intervention or regulation in the marketplace.

Money markets are made up of short-term investments carrying less risk, whereas capital markets are more geared toward the longer term and offer greater potential gains and losses.

Retirement Planning

Traditional IRA, Roth IRA, 401(k), Simple IRA

IRAs, Health savings a/c, Simplified Employee Pension Plan, Solo 401(k)

A type of retirement plan that meets specific requirements under the Internal Revenue Code (IRC) and is eligible for favorable tax treatment.