Top Sliver Stocks For 2015

Top Sliver Stocks For 2015: TD Ameritrade Holding Corporation(AMTD)

TD Ameritrade Holding Corporation, through its subsidiaries, provides securities brokerage services and technology-based financial services to retail investors, traders, and independent registered investment advisors (RIAs) in the United States. The company?s offerings include TD Ameritrade for self-directed retail investors; TD Ameritrade Institutional, which provides brokerage and custody services to independent RIAs and their clients; thinkorswim that offers a suite of trading platforms serving self-directed and institutional traders, and money managers; and Investools, which provides investor education products and services for stock, option, foreign exchange, futures, mutual fund, and fixed-income investors. Its offerings also include Amerivest, an online advisory service that develops portfolios of exchange-traded funds to enable long-term investors pursue their financial goals; and TD Ameritrade Corporate Services, which provides self-directed brokerage services to employees and executives of corporations. In addition, the company offers various products and services, such as common and preferred stocks; exchange-traded funds; a range of option trades, including complex, multi-leg option strategies; futures trades in various commodities, stock indices, and currencies; and foreign exchange products. Further, it provides mutual funds; treasury, corporate, government agency, and municipal bonds; mortgage-backed securities and certificates of deposit; new issue securities; margin lending; and cash management services. Additionally, the company offers trustee, custodial, and other trust-related services to retirement plans; and cash sweep and deposit account products through third-party relationships. It provides its products and services through the Internet, network of retail branches, mobile trading applications, and interactive voice response a! nd registered representatives via telephone. The company was founded in 1971 and is headquart ered in Omaha, Nebraska.

Advisors' Opinion:

• [By CNBC]

  Shutterstock/kentoh So you're 50. It's better than you feared. It's better still if you're serious about your retirement savings. Indeed, pre-retirees are often positioned to fund their nest eggs as never before. Why? One or more of your kids may be out of the house, which frees up disposable income; your take-home pay may be at its peak; and you're now eligible to supersize your savings with higher tax-deferred contribution limits. "There's a lot you can do in your 50s to build up that war chest," said Christopher Olsen, a certified financial planner with Ameriprise Platinum Financial Services. The Internal Revenue Service allows those over age 50 to make additional catch-up contributions of $5,500 to their 401(k), 403(b), SARSEP or governmental 457(b), above and beyond the $17,500 annual limit for all taxpayers. Married couples who filed jointly and are both older than 50 may put a combined $11,000 extra into their accounts. Those with a traditional Individual Retirement Account may contribute an extra $1,000 ($2,000 for married filers) beyond the standard $5,500 annual limit ($11,000 for married filers), but you may not be able to deduct all of your contribution if you also participate in a retirement plan at work. Additionally, those with a Savings Incentive Match Plan for Employees IRA or SIMPLE 401(k) plan may contribute an extra $2,500 a year. Married filers over age 50 may contribute an extra $5,000. Higher Tax Bracket, Bigger Benefit "If you're married and you and your spouse both make catch-up contributions to your 401(k)s or IRAs, you can save a good chunk of money," Olsen said. For example, assuming you start catch-up contributions to your 401(k) at age 50, with an 8 percent annual rate of return, you would have amassed a savings of $667,661 by age 65. By comparison, if you make only the standar! d $17,500! contribution per year starting at age 50, you would have $508,003-about $160,000 less. Another upside to being 50 and at the top of yo

• [By Jesse Solomon]

  Traditionally reserved for big time Wall Street players, options are now offered to individual investors by leading online brokers such as Charles Schwab (SCHW, Fortune 500), E*Trade (ETFC), and TD Ameritrade (AMTD).

• [By Michele Lerner]

  Alamy Self-employed people by definition must rely on themselves for their paychecks and their insurance. And then there's retirement funding. Without the benefit of a company 401(k) (and the potential employer match), saving for the future falls entirely on their own shoulders. That's a lot to take on. Perhaps too much, if you look at the results of a recent TD Ameritrade (AMTD) study. The company's Self-Employment and Retirement Survey found that even though the majority of self-employed people think that they'll live on their savings when they eventually stop working, 70 percent of them are not actually saving for retirement on a regular basis: 28 percent of self-employed people report that they aren't saving for retirement 40 percent aren't saving regularly. 83 percent have put their retirement savings on hold or cut back at one time or another, compared to only 70 percent of people who are traditionally employed. While you might think that self-employed people assume they can live off their business profits, only 19 percent plan to fund their retirement through profits from the company which will continue to run after their retirement -- and only 14 percent think they'll be able to sell their business and live off the profits from the sale. "One of the biggest challenges that self-employed people face is irregular income, so opening a retirement account is sometimes not top of mind," says Lule Demmissie, managing director of retirement at TD Ameritrade in Jersey City, N.J. "But, once you have an understanding of what type of account is best for you, just go! ahead an! d open it. You don't have to fund it right away, but having it open will make it easier to contribute money when you do come into a windfall. Having the foundation in place is a critical first step." However, the picture is not entirely bleak for self-employed people. When it comes to retirement readiness, the size of one's retirement account doesn't show the full picture, says Guy Penn

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