Morningstar Advisor - April/May 2009 - (Page 6) morningstaradvisor.com Featured Article Private-Placement Variable Universal Life Insurance Recent Top Articles r Funds Burned by Satyam Scandal April Sales Idea Small but Mighty Awareness—and demand—is growing. By Judith A. Hasenauer, JD, CLU It now appears very likely that the estate tax will return in all of its previous glory. As a result, the use of life insurance to ameliorate income taxes on investment gain, combined with the need for liquidity to pay estate taxes on the schedule demanded by the Internal Revenue Service, will probably be reinforced. For those who have experienced a degree of financial success and can make the qualification standards, private-placement variable life insurance can provide a useful form of the product to meet these taxation needs. Plus, changes at Morgan Stanley and Fidelity, and more. r More Heads Roll at Fidelity Many investors shy away from investing in small stocks because of a perception of high Plus, Vanguard heads overseas, new ETF launches, and more. r Layoffs and 2008 401(k) Trends Plus, a “Fool” enters the mutual fund business. r These Core Funds Still Have Real Merit Take a long-term view with these largeblend funds. r Increase Your Productivity with One Piece of Paper Tracking your daily productivity can improve it. r The 2008 Managers of the Year These managers served shareholders well. r Six Hopes for the Obama Administration risk. However, including small stocks as part of a diversified portfolio could help boost returns while maintaining the same level of risk. The graph, which you can download and share with clients, illustrates an efficient frontier with and without small stocks for the time period January 1970–September 2008. The time is ripe for these investmentrelated initiatives. 6 Morningstar Advisor April/May 2009 http://www.morningstaradvisor.com http://www.morningstaradvisor.com
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