A health savings account (HSA) is a tax-advantaged way of saving for health care expenses now and in the future. The contributions you make to an HSA are income-tax-free, the growth and earnings are tax deferred (or tax-free), and the distributions are tax-free, provided they are used for a qualified health expense. A health savings account is also a portable account, meaning you own and control it, and there are no “use-it-or-lose-it” provisions.
A lot of capital continues to come into the U.S. market, with a huge focus on energy and infrastructure assets.We are also seeing U.S. developers and finance companies looking across the border into Canada, and Latin America in the hunt for yield.It certainly seems that from both a lender and institutional investor perspective, there are more new names coming in than are going out. The space is demonstrably growing.
We define sustainability as the maintenance over extended periods of a portfolio’s purchasing power, provide an overview of ways nonprofits can meet their fiduciary responsibilities and cover a variety of important issues, including:The toll taken by a “lost decade” of reduced fixed income yields, along with increased equity market volatility both provide reasons to revisit asset allocation and spending policies.Changes to the U.S.