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Starting A Retirement Fund? Check Out These Unique Investment Vehicles



Senior Lonely Cycling

Once you have a family or start concentrating on your career, retirement might escape your mind. Before you know it, you may only be left with a decade or even a few years to your retirement. If you plan for it, you should have a very successful and comfortable retirement. To make this happen, you need to start a retirement fund. Such a fund will look different for everyone, but the overall theme is investing as early as possible. In this article, we will look at some alternative investment vehicles so you can start investing for your retirement as early as possible.

Certificate of Deposit

A certificate of deposit is an arrangement where you lock your money for a given period. You earn interest on this money for every period, monthly or annually, that the money is in the account. When redeeming your money, you will be handed back your initial investment plus all the interest it has gained.

When choosing one, ensure that the interest rate is higher than inflation. This is because if things are the other way round, you might have more money with lower buying power at the end of your contract.

Gold & Silver IRA

A gold and silver IRA is an individual retirement option that lets you invest in precious metals instead of the conventional bonds, stocks, and other investment options. These IRAs are a great option because gold and silver have grown in value in the long term, which is how you should be viewing any retirement investment option.

Precious metals protect your retirement investment because they have reduced volatility and risk compared to other options. They have been able to withstand economic downturns, which is also the reason why many people invest in gold when the economy starts taking a downturn.

The best way to invest in a gold and silver IRA is through a precious metals IRA platform. Companies like Noble Gold Investments provide you with the platform and avenue to protect your retirement, diversify your portfolio and secure your retirement using IRAs backed by gold, silver, and other precious metals.


You can buy annuities to create a personal retirement plan. Annuities provide you with a guaranteed income for the rest of your life. The key is knowing which arrangement would be better for you. Deferred annuities are paid into and paid out at a date that you set. Immediate annuities start paying out as soon as you put money into one.

Fixed-rate annuities pay you a guaranteed rate of return for the rest of your life. Variable annuities will pay depending on the performance of certain underlying investments such as mutual funds.

Deferred annuities with a fixed rate are great because you can pay into them for as long as you like and know exactly how much you will get every month. With immediate variable rate annuities, you might get more money when underlying investments perform better, but you risk not getting anything if underlying investments tank.


Planning your investment early is always best because of the power of compounding interest. In addition to the three options discussed above, you can diversify your retirement fund using other traditional investments like shares and bonds. Whether you want to learn more about investing or invest for the long term, the Motley Fool is an excellent resource.

Is the CEO/Founder of Investors King Limited. A proven foreign exchange research analyst and a published author on Yahoo Finance, Nasdaq,, Investorplace, and many more. He has over two decades of experience in global financial markets.

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The Risks of Investing in Annuities: How to Protect Your Assets




Investments in annuities can offer great rewards, but there are also risks associated that should be taken into consideration before making any final decisions. Annuities come with various fees and tax implications—both of which could harm your assets depending on the type of investment chosen.

In this article, we’ll explore the risks associated with investing in annuities and provide valuable insight into how to protect your assets from unnecessary losses. With the proper knowledge and understanding of these financial instruments, you can make wise investments for long-term success.

What are Annuities, and How Do They Work 

An annuity is a financial product that provides a stream of payments to an individual for a certain period in exchange for an initial lump sum investment. The concept of annuities can be traced back to ancient Rome, where they were used to provide financial stability for retired soldiers. Today, annuities help individuals plan for retirement or other long-term financial goals.

An annuity is a contract between an individual and an insurance company. The individual pays a premium, and the insurance company promises to make regular payments for a period. There are different types of annuities with varying payout options, and some even have tax benefits. Understanding how annuities work can be complex, so it is crucial to speak with a financial professional to determine if they fit your needs well.

The Risks of Investing in Annuities 

Although annuities can be beneficial investments, there are certain risks associated that you should take into consideration before investing. The most common risk is the potential of losing your entire initial investment if the annuity issuer defaults on payments or goes out of business. Additionally, some annuities have complex terms and conditions that may limit your ability to access your money early without penalty. Other risks include inflation risk, market volatility, and a lowering of the best CD rate in comparison.

It is crucial to do thorough research before investing in an annuity to ensure you understand all of the fees and tax implications associated with the investment. Additionally, speaking with a financial professional can provide valuable insight into whether an annuity makes sense for your situation.

Understanding Your Investment Options 

When investing in an annuity, it is essential to consider the types of investments you are comfortable making. Fixed annuities provide a guaranteed return rate, while variable annuities offer more flexibility with their investment options and have higher market risk. Additionally, indexed and immediate annuities offer different levels of protection and taxation depending on your financial situation.

Understanding which type of annuity best fits your needs can be complicated, so it is essential to speak with a qualified professional before making final decisions. Ultimately, the right choice for you will depend on your individual goals and circumstances.

Evaluating Fees Associated with Annuities 

Annuities come with various fees that can have a detrimental effect on your investment returns. When evaluating annuities, it is vital to consider the commission rates charged by brokers, any surrender penalties associated with early withdrawal, and any administrative or mortality fees that may be included in the contract. 

Additionally, some annuities are subject to taxation, so understanding how these rules apply to your investments can help you better manage expenses associated with the product. By evaluating an annuity’s fees before investing, you can protect yourself from unnecessary losses in the long run.

Knowing the Complexity Involved With Different Types of Annuity Investments 

Before investing in an annuity, it is essential to understand the complexities and risks associated with different types of annuities. Variable annuities involve investing in various underlying funds that can lead to losses if the market performs poorly. Similarly, indexed annuities are subject to caps or participation rate limits that may limit your potential returns.

Additionally, immediate annuities require you to invest large sums of money upfront with no access until after the payments begin, which can be risky if circumstances change. You need access to your money early.

Ways to Protect Yourself When Investing in Annuities

Although annuities can provide security and stability, various risks are associated with investing in them. To protect yourself, it is essential to do thorough research before investing in an annuity to ensure you fully understand the terms and conditions of your purchase. Additionally, speaking with a financial professional can provide valuable insight into whether an annuity makes sense for your situation.

It is also essential to read through all contracts carefully and ask questions if anything needs to be clarified or clarified. Finally, shop around for the best rates available to ensure you are getting the most out of your investment. By taking these steps, you can ensure that any decisions made regarding annuities are based on facts rather than speculation.


Investing in annuities can be a great way to secure your financial future, but it is crucial to make sure you are making informed decisions throughout the process. With knowledge of the complex considerations involved with different types of annuity investments and an understanding of associated fees, you can rest assured that you have taken all necessary precautions.


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Global Sales of Electric Vehicles Surge 60% in 2022, Surpass 10 Million For the First Time



Electric car

A recent report by the International Energy Agency (IEA), revealed global sales of Electric Vehicles surged by around 60% in 2022, surpassing more than 10 million for the first time.

The record sales figures for EV vehicles in 2022 exceeded the total number of cars sold across the entire European Union of about 9.5 million vehicles.

The IEA report reads,

“Electric car sales including battery electric vehicles (BEVs) and plug-in hybrid electric vehicles (PHEVs) exceeded 10 million last year, up 55% relative to 2021. This figure of 10 million EV sales worldwide exceeds the total number of cars sold across the entire European Union of about 9.5 million vehicles and is nearly half of the total number of cars sold in China in 2022”

Electric vehicle sales recorded massive increases in every region of the world as production increased, oil prices surged, and targeted policies aimed to support them in the market.

According to the report, it suggested that one in every seven passenger cars bought globally in 2022 was an EV. European Union with one in five, and the United States, where nearly one in ten cars purchased last year was an EV.

Meanwhile, the EV market in China reportedly stood out, where one in every four cars bought in 2022 was an EV.

The IEA described China as being the frontrunner when it came to electric vehicle sales. It further added that over 50% of electric vehicles on the road could be found in the country.

The IEA executive director Fatih Birol further disclosed that Electric Vehicles are one of the driving forces in the new global energy economy that is rapidly emerging and they are bringing about a historic transformation of the car manufacturing industry worldwide.

Investors King understands that the increased rate of adoption of EV vehicles across the globe will have a significant implication on global oil demand. Analysts already predict that electric vehicles will displace 2.7 MMbbl of oil per day by 2030.

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The Power of Perseverance: How Olugbenga Agboola’s Challenges Shaped the Future of Payments with Flutterwave



Gbenga Agboola

It’s hard for a company not to take on the personality of its founders. They’re the ones who set the culture, express the vision, and make those first crucial hires. Luckily for Flutterwave, Olugbenga “GB” Agboola has the kind of work ethic and demeanor that’s built for success.

The way a founder’s personality seeps into their company is plain to see across almost every industry. Jeff Bezos’ ultra-competitive spirit pervades the machinations of Amazon. Apple still follows Steve Jobs’ form-follows-function ethos and emphasis on simplicity. And who can deny that Tesla is the very manifestation of Elon Musk’s idiosyncratic style and outsider positioning?

So how does a conscientious overachiever like Olugbenga Agboola affect a payment services company that has gone from simple startup to Africa’s first unicorn? It may be harder to notice the personality of a tech company focused on finance, but it’s there. It just takes a little bit of digging to uncover how the company seems to reflect everything about how he is and how he conducts business.

Olugbenga Agboola: ‘People Are the Secret Sauce’

For starters, look at how the company has grown.

“I have to admit that I am very people-centric,” Olugbenga Agboola said. “I listen to people a lot. I think of what people will feel. I think of their own career growth, what will work for them. I do this because I realized very early that people are the secret sauce of the company. It’s not our technology. It’s our people.”

A company that focuses on people doesn’t grow according to data trends. It grows according to user needs and employee availability. By that metric, it’s easy to see how Olugbenga Agboola’s outgoing personality and thoughtful disposition are baked into the strategy that’s led Flutterwave to its most recent $3 billion valuation. 

“It’s the people that come to work every day that put in their shift, those are the people that matter,” he stated. “So I put them ahead of my investors, ahead of my board.”

That’s one way that Flutterwave has been able to keep growing amid the COVID-19 pandemic and the post-pandemic economic challenges. Flutterwave’s emphasis on employee morale has kept it chugging along at its typical breakneck speed. 

As it turns out, when employees feel valued, well compensated, and important, they work harder and stay longer. That ensures that Flutterwave doesn’t suffer from brain drain and that legacy information remains with the company, even as it grows into new markets and launches new products. 

The other way that Flutterwave manifests the personality of Olugbenga Agboola is through its product strategy. 

“I rely on the Colin Powell rule, which is that you have to be data-aware, not data-dependent,” he said. “When you know too much about something, it’s too late. For example, I imagine that to make a decision, I need just 60% of the information required. By the time I get to 95% or 90% and I’m sure, then it’s too late for a decision to be made. It’s already in the past, and the right time to act is long gone. I believe in that a lot. It’s something that I use in my work, and it’s worked for me all my life. That’s one [piece of] advice that I would give and also to ensure that I do that.”

Flutterwave began by helping large companies navigate payments across national borders. International corporations are great clients because they have lots of money. But instead of continuing to focus solely on the biggest fish, Flutterwave pivoted toward helping small businesses and, eventually, individuals. 

Those were moves that seem prescient in retrospect but had a risky feeling at the time. The company made the moves anyway, relying on Olugbenga Agboola’s intuition and understanding of the facts. 

“The other thing I do is to trust my gut,” he shared. “That’s something that has always driven me in the right direction and really helped me stay true to what I want to accomplish. It helps me do the right thing and act quickly.”

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