More Individual Investment Plans

“I’m not really comfortable with all the intricacies of investing.”

Today’s investment environment is filled with choices, strewn with get-rich-quick appeals, and whipsawed by changing market conditions. North Shore Investments & Trust can help you navigate that environment with a personalized investment strategy.

After considering your needs and objectives, we can structure a portfolio that reflects your individual preferences and goals. We’ll work with you to assess new investment opportunities and to re-evaluate your strategy as market conditions or the objectives change. For a closer look, create a Sample Portfolio , utilizing some of the same principles we use to customize investment plans for our clients. Go to the website and start the Individual Investment Plans……

Private investment plans offer better earnings
While Washington dithers in political posturing, the worldwide revolution in Social Security continues to spread.

Last July, the socialist haven of Sweden joined the ranks of reforms in allowing workers a personal, individual investment account for part of the program there. Sweden followed Poland and Hungary, which have adopted broad personal investment account systems over the past couple of years.

In Latin America, seven countries have followed the lead of Chile, which first adopted a personal investment account in 1981. Workers in that country have been able to choose major American firms like Chase Manhattan Bank or State Street Global Advisors in Boston to invest their money for them around the world, instead of paying into the government Social Security program.

These investment firms have earned an average of over 10% per year after inflation for workers for almost 20 years now. Because of these personal investment accounts, the average Chilean worker now has more savings than the average American worker, even though the average Chilean only earns one-seventh as much as the average American worker.

Most workers in Great Britain now save and invest through private investment plans in place of most of the old program there. In Australia, a union-dominated Labor government in the early 1990s replaced its old system entirely with a personal investment account system. But American labor unions represent left-wing ideology rather than workers.

AFL-CIO President John Sweeney, a self-proclaimed socialist, has pledged to spend more than $40 million of workers’ money next year running name-calling political ads against supporters of personal investment accounts.

A personal investment account option for America should now be the top priority for Congress and the President. No other change would do so much to increase the liberty and prosperity of the American people.

If workers shifted into such personal accounts now, the long-term Social Security financial crisis would be averted. As a result, we would then avoid an eventual payroll tax increase of 50% to 100% or more, which would otherwise be necessary to pay promised benefits. [ Click here and to find more individual investment plans info ]

Design and Production: An Individual Investment
Suggested Instructional Strategies


Students work on a project to develop a personal investment portfolio that they can present and defend to their peers. These activities provide opportunities to plan a financial future, to view and evaluate different investments like GICs, bonds, or mutual funds, and to realize the impact of compound interest over time. Students develop an understanding of the concepts of economics, finance, and entrepreneurship.
Suggested Time Frame: 10 – 20 hours

Have students:

Prepare an investment portfolio that will include an investment strategy and rationale
research, review, compare, and evaluate different types of investments.
Invite guest speakers from the financial community.
Research interest rates and the age at which to begin an investment.
Determine fixed-rate level of financial contribution.
Determine realistic variable-rate of financial contribution.
Utilize compound interest formulas to project yearly gains and gains over time.
Use the “Rule of 72” as a measure of doubling investments for developing investment plans.
Use a calculator/computer to solve compound interest problems.
Compute the difference in yield between fixed contributions begun at different ages and held to retirement age compare strategies to acquire one-quarter million dollars by a fixed age (e.g., age 55, 60, 65) present and evaluate investment portfolio.