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Jennifer Ramon SVP , Product Development and Review PlainsCapital Bank. Making Cents of Savings. Why Save?. Emergency fund Big purchase Retirement Education Grow idle funds. Consider Your Objectives. How often will you need access to funds? How will you access funds?

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Presentation Transcript
slide1
Jennifer Ramon

SVP, Product Development and Review

PlainsCapital Bank

Making Cents of Savings

slide2
Why Save?

Emergency fund

Big purchase

Retirement

Education

Grow idle funds

slide3
Consider Your Objectives

How often will you need access to funds?

How will you access funds?

What is your risk tolerance?

What is your ultimate savings goal?

slide4
Savings Options

Personal Savings Accounts

Money Market Deposit Accounts

Certificates of Deposit

Individual Retirement Accounts

Coverdell Education Savings Accounts

Brokerage Accounts

slide5
Personal Savings Accounts

A good option for an emergency fund, where you’ll need only occasional access to funds and rate is not a top priority

slide6
Money Market Deposit Accounts

Offer more convenient access to funds and often higher interest

slide7
Certificates of Deposit (CDs)

An insured option with fixed terms and fixed or variable rates

slide8
Traditional Individual Retirement Account (IRA) CD

Tax-advantaged, secure option for retirement savings

Please consult your tax professional for tax rules.

slide9
Roth IRA CD

Tax-advantaged, secure and flexible retirement savings option

Please consult your tax professional for tax rules.

slide10
Coverdell Education Savings Accounts (CESAs)

Tax-advantaged, secure option for education savings

Please consult your tax professional for tax rules.

slide11
Brokerage Accounts

Many investment options with potential for high growth

Please consult your tax professional for tax rules.

slide12
Jennifer Ramon

SVP, Product Development and Review

PlainsCapital Bank

214.252.4066

jramon@plainscapital.com

www.plainscapital.com

Thank You