Global Modified Nylon Market research report presents a comprehensive overview of market size, share, evolution, trends, and forecast, and growth opportunities of Modified Nylon market by product type, application, key manufacturers and key regions and countries. This report offers comprehensive analysis on global Modified Nylon market along with, market trends, drivers, and restraints of the Modified Nylon market. In-depth study of market size with data Tables, Bar & Pie Charts, and Graphs & Statistics which helps easy to understand detailed breakdown of market.

Note: Our analysts monitoring the situation across the globe explains that the market will generate remunerative prospects for producers post COVID-19 crisis. The report aims to provide an additional illustration of the latest scenario, economic slowdown, and COVID-19 impact on the overall industry.

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Segment by Type, the Modified Nylon market is segmented into Glass Filled Modified Nylon Carbon Fiber Modified Nylon Other

Segment by Application, the Modified Nylon market is segmented into Automotive Electronic Chemical Machinery Equipment

Regional and Country-level Analysis The Modified Nylon market is analysed and market size information is provided by regions (countries). The key regions covered in the Modified Nylon market report are North America, Europe, Asia Pacific, Latin America, Middle East and Africa. It also covers key regions (countries), viz, U.S., Canada, Germany, France, U.K., Italy, Russia, China, Japan, South Korea, India, Australia, Taiwan, Indonesia, Thailand, Malaysia, Philippines, Vietnam, Mexico, Brazil, Turkey, Saudi Arabia, U.A.E, etc. The report includes country-wise and region-wise market size for the period 2015-2026. It also includes market size and forecast by Type, and by Application segment in terms of sales and revenue for the period 2015-2026. Competitive Landscape and Modified Nylon Market Share Analysis Modified Nylon market competitive landscape provides details and data information by players. The report offers comprehensive analysis and accurate statistics on revenue by the player for the period 2015-2020. It also offers detailed analysis supported by reliable statistics on revenue (global and regional level) by players for the period 2015-2020. Details included are company description, major business, company total revenue and the sales, revenue generated in Modified Nylon business, the date to enter into the Modified Nylon market, Modified Nylon product introduction, recent developments, etc.

The major vendors covered: Dupont EMS SABICs Innovative Plastics RTP Company BASF Evonik Corporation DSM Ube Industries Asahi Kasei Radici Group Arkema Bayer RHODIA DOMO Chemicals Shenma Industial

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This detailed report on Modified Nylon market largely focuses on prominent facets such as product portfolio, payment channels, service offerings, applications, in addition to technological sophistication. The report lends versatile cues on market size and growth traits, besides also offering an in-depth section on opportunity mapping as well as barrier analysis, thus encouraging report readers to incur growth in global Modified Nylon market.

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These leading players are analyzed at length, complete with their product portfolio and company profiles to decipher crucial market findings. Additionally, the competitive landscape of the Modified Nylon market is also evaluated at length in the report, to identify and analyze leading service providers.

Geographically, the detailed analysis of consumption, revenue, Modified Nylon market share and growth rate, historic and forecast (2015-2026) of the following regions are covered-

North America (USA, Canada and Mexico)

Europe (Germany, France, UK, Russia and Italy)

Asia-Pacific (China, Japan, Korea, India and Southeast Asia)

South America (Brazil, Argentina, Columbia etc.)

Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

All the notable Modified Nylon market specific dimensions are studied and analyzed at length in the report to arrive at conclusive insights. Further, a dedicated section on regional overview of the Modified Nylon market is also included in the report to identify lucrative growth hubs.

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A thorough take on essential elements such as drivers, threats, challenges, opportunities are thoroughly assessed and analyzed to arrive at logical conclusions. As the report proceeds further, Even further in the report emphasis has been lent on current, historical, as well as future growth tendencies to make accurate growth estimations based on market size, value, volume, demand and supply trends as well as growth rate.

Other vital factors related to the Modified Nylon market such as scope, growth potential, profitability, and structural break-down have been innately roped in this Modified Nylon report to accelerate market growth. This research compilation on Modified Nylon market is a meticulous compilation of in-depth primary and secondary research. The report also lists ample understanding on various analytical practices such as SWOT and PESTEL analysis to guide optimum profits in Modified Nylon market. The report is a conscious attempt to unearth market specific developments to ignite growth specific market discretion.

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Modified Nylon Market Capacity, Production, Revenue, Price and Gross Margin, Industry Analysis & Forecast by 2025 - The Daily Chronicle

UK and US stocks both are in the red after troubling coronavirus data and less than stellar US trade data dented trading sentiment

The UK's flagship benchmark index finished Tuesday 30 points, 0.5%, lower at 5,897.5. The FTSE 250 lost nearly 200 points, 1.1%, to 17,173.7.

Driving the losses could be mounting coronavirus concerns, as the pandemic recently reached a tragic milestone.

"Stocks are in the red due to health concerns," CMC Markets UK David Madden wrote Tuesday."The worldwide death toll of the pandemic has topped 1 million and that headlined has been at the forefront of traders minds today. When you compare the major gains achieved yesterday with the relatively small losses registered today, it indicates that traders are not overly worried about the Covid-19 crisis."

HSBCHoldings plc (LON:HSBA) (NYSE:HSBC) lost some ground, perhaps due to some profit-taking after strong gains on Monday. The financial giant dropped 3.3% to298.50in London and 3.9% in New York to $19.18.

"Like their European counterparts, US stocks have handed back some of yesterdays gains," Madden noted."It has been a quiet day in terms of corporate earnings and volatility is likely to remain low in the session as the first presidential debate between Mr. Trump and Mr. Biden will take place after the market is closed. Opinion polls have pointed favourably to Joe Biden but it is hard to dislodge an incumbent. The allegations that Mr. Trump paid almost zero taxes in the years ahead of election victory in 2016 is likely to be brought up by Mr Biden."

Its been a largely uneventful day in London with traders reluctant to commit ahead of tonights US presidential debate.

The FTSE 100 spent the day in the red and in fact losses started to lengthen towards the end of the day, with the index down 31 points (0.5%) at 5,897.

US indices have traded in the red since the opening so a similar hesitancy is evident over there. The US advance goods trade deficit was a bit higher than expected in August, widening to US$82.9bn from US$80.1bn the previous month. The consensus forecast was for a deficit of US$81.8bn. Exports rose 2.8%, but this increase was much smaller than the 12%-plus jump in June and July, and it was more than offset by a broad-based 3.1% increase in imports. The deficit would have risen further if not for a favourable $5.2bn swing in net trade in industrial supplies, which includes oil, observed Ian Shepherdson, the chief economist at Pantheon Macroeconomics. Excluding industrial supplies, the deficit rose to a record US$84.1bn from US$76.1bn. Before Covid, the trend was running at about US$69bn per month, and declining slowly. The Covid shock crushed both exports and imports, and both remain below their prior levels, but the rebound in imports has been bigger, Shepherdson said.

US indices have traded in the red since the opening so a similar hesitancy is evident over there.

The US advance goods trade deficit was a bit higher than expected in August, widening to US$82.9bn from US$80.1bn the previous month. The consensus forecast was for a deficit of US$81.8bn.

Exports rose 2.8%, but this increase was much smaller than the 12%-plus jump in June and July, and it was more than offset by a broad-based 3.1% increase in imports. The deficit would have risen further if not for a favourable $5.2bn swing in net trade in industrial supplies, which includes oil, observed Ian Shepherdson, the chief economist at Pantheon Macroeconomics.

Excluding industrial supplies, the deficit rose to a record US$84.1bn from US$76.1bn.

Before COVID, the trend was running at about US$69bn per month, and declining slowly. The COVID shock crushed both exports and imports, and both remain below their prior levels, but the rebound in imports has been bigger, Shepherdson said.

Melkior Resources Inc (CVE:MKR) unveils landmark C$110M option/joint venture deal with major Kirkland Lake Gold for Timmins project

Steppe Gold Ltd (TSE:STGO) secures initial debt funding of around US$10.5M for its expansion project at ATO mine

Benchmark Metals Inc (CVE:BNCH) (OTCQB:BNCHF) assembles heavy-weight development team as it advances Lawyers project towards PEA

Auryn Resources Inc (TSE:AUG) (NYSEAMERICAN:AUG) unveils 12 prospective drill targets at its Committee Bay gold project in Nunavut

NexTech AR Solutions Corp (OTCQB:NEXCF) (CSE:NTAR) acquires music industry AR app AirShow

Acasti Pharma Inc (NASDAQ:ACST) (CVE:ACST) initiates review process to evaluate strategic alternatives to boost shareholder value

The Valens Company Inc (CVE:VLNS) (OTCQX:VLNCF) launches high-potency THC-infused beverage Summit 10 under white label deal with A1 Cannabis Company

Lexaria Bioscience Corp (OTCQB:LXRP) (CSE:LXX) gets ethics board nod for human trial of DehydraTECH drug delivery system; launches rodent trial with COVID-19 drugs

Algernon Pharmaceuticals Inc (CSE:AGN) (OTCQB:AGNPF) enrolls 100 patients for its Phase 2b/3 human study of Ifenprodil to treat COVID-19

First Mining Gold Corp (TSE:FF) (OTCQX:FFMGF) hails partner drilling at Pickle Crow which continues to enlarge areas of known mineralization

Shortly after the opening bell on Tuesday, the main Wall Street indices painted a decidedly mixed picture as investor sentiment wobbled ahead of the US presidential election debate and ongoing stimulus wrangling in Washington DC.

In the first minutes of trading, the Dow Jones Industrial Average fell 0.12% to 27,548, while the S&P 500 was relatively flat at 3,351 and the Nasdaq climbed 0.11% to 11,129.

Traders moods seem to also have been impacted by new US trading data, which showed that the countrys trade deficit in goods widened by 3.5% in August as exports struggled to bounce back from disruptions caused by the pandemic.

The figure is likely to be assessed in line with other key macro-economic data such as US GDP tomorrow and the non-farm payrolls report on Friday.

Back in London, the FTSE 100 was trading relatively sideways and was down 19 points at 5,908 at 2.50pm.

Equity investors are still finding few reasons to dive into equities, especially as US equities now look set to open little changed.

The FTSE 100 was down 22 points (0.4%) at 5,907 while the mid-cap FTSE 250 was down 161 points (0.9%) at 17,209.

The latter is weighed down by a negative reaction to the trading update from hot baked foods purveyor Greggs PLC (LON:GRG).

Disappointing all of those journalists looking to use the Greggs on a roll headline for the thousandth time, the shares fell 8.0% to 1,121p after the company said it is to start consultations with unions about job losses after completing a review of the business.

Susannah Street, an analyst at Hargreaves Lansdown, eschewed the on a roll clich and went with flaky sales instead.

Greggs had very flaky sales during August as warm temperatures put customers off its hot pastries and it was unable to benefit from the Eat Out to Help out scheme as seats werent available in its outlets, she noted.

September has seen its stores bringing home the bacon again though, as more people left home and popped in or picked up products using its click and collect service, which has been rolled out nationwide. Sales had crumbled earlier in the summer but over the four weeks to 26 September, like-for-like sales had recovered to 76.1% of the level the firm saw this time last year. Customers are being rewarded with the return of its celebrated Belgian bun as the firm brings back a broader range of its products, she added.

As time ticks down to tonights potentially crucial US presidential debate, US investors appear to be prepared to hope for the best.

Spread betting quotes suggest the Dow Jones index will open a modest 26 points firmer at 27,610 while the S&P 500 is expected to start 6 points to the good at 3,357.

The tech-heavy NASDAQ Composite is looking a bit more hale and hearty, with a 277 point gain to 11,395 in prospect.

The show-down between two ageing gunslingers is not the only political show in town, of course, following yesterdays proposal by the Democratic Party of a US$2.4tn stimulus package for the US economy.

Yesterday, we heard more positive tones from Democratic House Speaker Nancy Pelosi, who said that she has spoken with US Treasury Mnuchin on another relief package and that she expects talks to continue. With the Democrats lowering their demands, she argues that it is the White House and the Republicans turn to follow suit by accepting a larger stimulus package, reported Danske bank.

While an agreement still seems at least somewhat down the road (the White House and Pelosi are still around USD1,000bn apart), risk sentiment got a boost yesterday afternoon from Pelosi's comments. As we argued in yesterday's morning comment, if the two parties can agree on more fiscal stimulus, it may be the trigger for shifting the recent risk headwind to tailwind, the Nordic investment bank said.

Also on the agenda today are speeches by Federal Reserve policy-makers, Messrs Williams, Harker and Quarles.

Palantir, the data analytics company, is set to float today and is expected to be valued at around US$20 billion.

For the day ahead, Ill be watching out for the Palantir IPO, Micron Technologies earnings and the first presidential debate between Donald Trump and Joe Biden, revealed LCGs Jasper Lawler.

Really Palantir (ticker PLTR) will be a direct listing not a proper IPO. The listing is expected to value Peter Thiels company at over US$20 billion but as is often the case with tech companies when raising money - it is still unprofitable, Lawler noted.

In Lonon, the FTSE 100 was down 17 points (0.3%) at 5,911 after the European Commissions Economic Sentiment Indicator (ESI) for the UK climbed to 83.0 in September from 75.1 in August.

A value of 100 represents the average value of the index between 1990 and 2019.

The big increase in the ESI in September is an encouraging sign that the recovery hasnt ground to a complete halt, though the shortfall in demand relative to its pre-COVID level still seems to be bigger in the UK than in the rest of Europe. Indeed, the UKs ESI still was substantially below the Eurozones, 90.2, in September,2 observed Samuel Tombs, the chief UK economist at Pantheon Macroeconomics.

The Footsie remains in the doldrums, not least because some of yesterdays big gainers Asia-focused banks have come back down to earth today.

The FTSE 100 was down 26 points (0.5%) at 5,901, with the retreat led by SA (), down 3.4% at 91.24p. The British Airways owner has taken up a semi-permanent residence in the Footsies cellar, as has another stock intrinsically tied up with air travel, (), which is down 3.2% at 144.5p.

Banking titan Holdings PLC () has given up 9.9p of yesterdays gains and is down 3.2% at 298.65p. The stock was bid up yesterday after Chinese insurance giant Ping An upped its stake.

Sector peer () rose yesterday in sympathy with HSBC but is off 2.7% at 352.3p this morning.

The top riser in London was Canadian Overseas Petroleum Ltd (), up 26% at 0.295p, after its board approved the granting of 341.6mln share options effective September 14, 2020.

The options can be exercised at a price of 0.35p so a bit of a way to go yet and some market observers have suggested other reasons may be behind todays rise.

Londons investors are exhibiting signs of apprehension ahead of tonights face-off between the two septuagenarian US presidential candidates.

The FTSE 100 was down 37 points (0.6%) at 5,891.

Its all going to kick off later tonight, as the first US presidential debate takes place in Cleveland. The fun starts at 9pm US Eastern time and will last one and a half hours, said Neil Wilson of markets.com.

No indication from Neil or anyone else whether there will be a break in the debate for cocoa.

Trump won in Ohio, a typical battleground rust belt state, by eight points last time around but it is leaning towards Biden in 2020, according to the polls but we know polls only tell a portion of the story its in the battlegrounds where it counts, Wilson said.

Cut-price retailer () defied the weaker trend after it said it had maintained strong trading momentum in the current quarter.

The shares were up 4.4% at 512p after the company said like-for-like sales were up 19.2% in the quarter.

The group is one of the market leaders in a structurally growing discounter market, and should outperform in a recessionary environment, suggested Amisha Chohan, an equity research analyst at Quilter Cheviot.

The retailer is also winning market share and has attracted a new, middle class, customer base - who are beginning to shop with them regularly. We believe B&M will continue to outperform peers as consumers become much more money conscious, the analyst added.

The FTSE 100 made a quiet start ahead of key data including the s credit reading and monthly mortgage approvals.

Trade negotiations between the UK and EU are heading into a decisive phase, though nobody is talking about a quick resolution to the impasse over the internal markets bill.

The excitement after hours will come from the US where incumbent Donald Trump goes head to head with the early poll leader, Joe Biden, in the first of the 2020 campaigns televised presidential election debates.

On the market, Ferguson (), a UK plumbing and heating specialist, was an early winner, rising 5.7% after better-than-expected full-year results.

The actions taken at the height of the pandemic mirrored what was being done in many global boardrooms, said Richard Hunter, head of markets at Interactive Investor.

The interim dividend and share buyback programme were suspended, as was the M&A programme and there was tight control on capital expenditure.

This had the effect of freeing up additional capital when it was most needed, and having come out of the other side the company is now reaping the benefit of those temporary actions.

On the FTSE 250, Greggs () delivered what one commentator referred to as a flaky performance after the bakery chain said trading would remain below normal levels for the foreseeable future. The shares shed 4%.

A former tiddler that is now worth north of half a billion pounds, Novacyt () spiked a further 20% in early deals after it was announced the healthcare company had launched its COVID-19 antibody test.

() has inked an agreement that will make available to patients an experimental drug that has shown early promise tackling the worst symptoms of the COVID-19.

() plans to pay a special dividend to shareholders once its mooted joint venture deal with Turkish conglomerate zaltin goes through.

() said its technology division has been awarded a contract to replace and maintain security screening equipment at the Palace of Westminster, also known as the Houses of Parliament.

(),the brain imaging analytics specialist, has received a 2mln extension to a contract from a 'top-20' pharma client to provide additional imaging services for a pivotal Huntington's disease (HD) study.

CentralNic Group PLC () said the conditions of its acquisition of Zeropark and Voluum, collectively known as Codewise, have been satisfied or waived, and as such, the deal is now unconditional and shall become effective at the end of October.

Ncondezi Energy Limited () said it has submitted a historical cost audit report to China Machinery Engineering Corporation (CMEC) for its Ncondezi integrated 300 megawatt (MW) power project in Tete, Mozambique. In a separate announcement covering its results for the six months ended June 30, Ncondezi reported a loss for the period of US$1.21mln, narrowed from US$1.26mln in the previous year, while it ended the first half with cash of US$592,000.

() has completed an assessment of the Monte Aymond gas project, part of the Santa Cruz Sur assets, which is now seen as anexciting commercial project.

PLC () has initiated exploration at the Kalahari Copper Belt joint venture with ().

() has raised gross proceeds of 400mln cash from a share issue to reduce gearing and progressprojects in its pipeline.

() has increased its stake in Incanthera PLC () as the developer of an innovative sun cream raised 350,000 in a share subscription.

Shares in () surged on the back of interims that revealed record revenue and underlying earnings (EBITDA) for the iodine extractor. Revenue in the six months to the end of June rose 8% to US$15.74mln from US$14.53mln in the corresponding period of 2019 while EBITDA jumped 50% to US$2.95mln from US$1.97mln.

() has unveiled an expanded contract with one of its current customers, a large telco firm, and said it has had a good start to the second half.

Zanaga Iron Ore Company Ltd () said the recent rise in the price of iron ore has made its project in the Republic of Congo even more attractive. Work is running within the 2020 budget forecast, it added, while cash reserves at 28 September were US$0.5mln.

() highlighted a strong cash position and significant progress towards the development of the Greater Buchan Area (GBA) project as it reported on the first half of 2020.

Chariot Oil & Gas Limited () acting chief executive Adonis Pouroulis highlighted an exciting phase in its evolution, as the company released its interim results.

() has highlighted a transformative six months in the first half of its current years as it achieved first commercial revenues from engineering services on its Protos project.

() is confident of modestly exceeding market expectations for the year after a solid first half.

Ironridge Resources returned a loss before tax of A$6.4mln during the year to 30 June 2020. At the year end, the company had A$7.3mln in the bank, enough to carry it through significant work programmes on its gold and lithium assets in West Africa, especially since its also running a drill-for-equity programme with GeoDrill.

() generated revenue of just over 1mln during the six months to June 2020, as operations at its Uis mine in Namibia continued to gain momentum after the recent start-up. The loss before tax was also just over 1mln.

Crop protection, animal health specialist () is confident it can capitalise on the market opportunity for biopesticides following its fundraising in March, while the first half of 2020 saw the company make progress with its new insecticide products and pursue other key opportunities in its pipeline.

() turned in an operating loss of US$400,000 in the six months to June. As at 30 June 2020, the company had US$700,000 in the bank.

() is appointing a new independent director with a 35-year track record of commercialising disruptive med-tech.

The FTSE 100 is poised for a quiet start on Tuesday ahead of another potentially important day for Brexit talks.

Londons blue-chip benchmark has been tipped to gain two points after the opening bell, a day afteradding just over 85 points or 1.5% to finish at almost 5,928.

Overnight, Wall Street got off to an early lead and kicked it about until the final whistle.

The Dow Jones closed up410 points or1.5% higher at 27,584.06, while the S&P 500 climbed 1.6% and the Nasdaq Composite fizzed up 1.9%.

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FTSE 100 on the back foot as market waits for presidential debate sponsored by Saga - Proactive Investors UK

FOX Business' Charles Payne and Nicholas Wealth Management David Nicholas answer a FOX Business viewer's question of whether to take this year's profits now and then jump back into the market once the election is over. They continue to answer other retirement investing questions on 401(k)s and dividend stocks.

The 4% rule answers a question every retirement investor asks at some point: How much can I afford to withdraw each year from my savings, so that I don't run out of money? While it's great for planning to have an easy answer, there's one big problem: The 4% rule may need to retire before you do.

3 THINGS TO DO IMMEDIATELY IF YOU HAVE NO RETIREMENT SAVINGS

A financial advisor named William Bengen first published the4% rulein the 1990s. He identified his now-famous safe withdrawal rate after running multiple scenarios against the actual financial market returns and inflation rates between 1926 and 1992. His analysis led to a surprisingly simple conclusion. Even through history's worst crashes and economic downturns, portfolios containing 50% equities and50% bonds did not run out of money for 30 years or more when withdrawals were capped at 4% with annual adjustments for inflation. Since Bengen's initial analysis, othershave replicated his work with more-current data to verify that the rule still holds up.

So, what's the problem? Although the 4% rule may hold its weight on paper currently, the future's likely to bring conditions that haven't been baked into the analysis. One concern is the timeline. People are living longer, and 30 years of solvency may not be enough. To be fair, life spans would have to get a lot longer to break the 4% rule on their own. In many of Bengen's scenarios, the portfolios actually had a higher balance after 30 years thanat retirement.

But there is another issue: The 4% rule assumes future market conditions will be no more extreme than historic ones. The downturns covered in Bengen's analysis did include the Great Depression and the 1973-1974 stock market crash, which admittedly were pretty extreme. Even so, given how 2020 has played out thus far, it doesn't seem wise to assume we won't set new records sometime down the road.

RETIRING SOON? ANSWER THESE 3 QUESTIONS TO DECIDE WHETHER TO RELOCATE

This year has already produced historicallylow bond yields, which fall outside Bengen's analysis. That alone is significant, given that he initially assumed a portfolio with 50% bonds. Plus, 2020 has also delivered some historically significant moves in the equities market. The coronavirus-fueled sell-off in March was the fastest 30% drop in history. As well, the single-day dip on March 16 was theS&P 500'sthird-largest single-day percentage drop in history.

It's these never-before-seen market conditions along with longer life spans that threaten to break the 4% rule.

Unfortunately, when it comes toretirement planning, you have to address the worst-case scenario. It's not enough to be 90% sure you won't run out of money in retirement; you have to be 100% sure. And that level of confidence requires very conservative planning. In today's world, the 4% withdrawal rate may not be conservative enough.

43% OF AMERICANS PLAN TO DELAY RETIREMENT DUE TO COVID-19

Mathematically, lowering the withdrawal-rate assumption in your retirement plan means you have to save more before retirement or spend less after retirement. And the change can be significant. The table below shows how your target savings balance varies based on 3%, 3.5%, and 4% withdrawal rates, as well as how much income you need from the retirement account in your first year.

As you can see, if you plan to take $40,000 from your retirement savings in the first year, changing the withdrawal rate from 4% to 3% raises your starter-savings needs by more than $300,000. If you want to pull six figures annually from your savings in retirement, you may have to save an additional $830,000.

If you don't want to increase your savings target, you can hope for the best (not recommended as your entire strategy) or plan for a more subdued lifestyle later. If you're on track to save $2.5 million, for example, the percentage-point-lower withdrawal rate lowers your income from $100,000 to $75,000 in that first year.

Over the past 25 years, the 4% rule has helped many retirement investors plan their savings goals and manage their account withdrawals. But as people live longer and the markets outdo historic extremes, a 4% withdrawal rate will be less reliable. Now's the time to think through what your retirement plan looks like with a 3% or 3.5% withdrawal rate instead -- so you have the time to adjust your savings plan as needed.

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Retirement investors: Why it's time to stop using the 4% rule - Fox Business

The Internal Revenue Service has issued final regulations that update the federal income tax withholding rules for certain periodic retirement and annuity payments made after Dec. 31.

In July, the IRS released a draft of a redesigned 2021 Form W-4P and instructions intended to align with the redesigned W-4. The draft W-4P also proposed a new default rate of withholding on periodic payments that begin after Dec. 31, 2020. Based on comments received on the draft, the IRS will postpone issuance of the redesigned form. Instead, the 2021 Form W-4P will be similar to the 2020 Form W-4P.

The IRS also intends to provide in the instructions to the 2021 Form W-4P and related publications that the default rate of withholding on periodic payments will continue to be determined by treating the taxpayer as a married individual claiming three withholding allowances.

Tax reform provided that the rate of withholding on periodic payments when no withholding certificate is in effect (the default rate of withholding) would be determined under rules prescribed by the Secretary of the Treasury. Prior to the Tax Cuts and Jobs Act, if no withholding certificate was in effect for a taxpayers periodic payments, the withholding from the payments was determined by treating the taxpayer as a married individual claiming three exemptions.

The final regulation issued provides guidance for 2021 and future calendar years and specifies that the Treasury and the IRS will provide the rules and procedures for determining the default rate of withholding on periodic payments.

Link:
Regs on retirement-payment withholding updated - Accounting Today

Empower Retirement has inked a deal with Fifth Third to acquire its record-keeping business in a move to expand retirement plan services for the bank, the companies announced Tuesday.

Empower will acquire 476 retirement plans and will provide record-keeping and administrative services for the plans 100,000 participants, with $6.21 billion in assets, on Fifth Thirds platform, according to the announcement.

The terms of the agreement were not disclosed.

The transaction with Fifth Third is expected to close in the fourth quarter. When the deal closes, Fifth Third will continue to serve in a plan-level investment advisory capacity and manage $4.2 billion in plan assets.

The deal builds on a 16-year relationship between Empower and Fifth Third. Empower currently provides record-keeping services for Fifth Thirds retirement business through its private-label retirement plan unit, Empower Institutional. Because of this existing relationship, the Fifth Third plans will not require conversions.

Empower currently administers $667 billion in assets on behalf of 9.7 million American workers and retirees through approximately 41,000 workplace savings plans, according to the release.

This is an exciting evolution of the existing 16-year relationship between Empower and Fifth Third, Edmund F. Murphy III, president and CEO of Empower Retirement, said in the release. With the addition of these plans to Empowers platform, we will continue to expand our capabilities for these savers, enhance our financial wellness and advice offerings, and accelerate our value creation for all our stakeholders.

The news comes on the heels of Empower Retirements $1 billion purchase of digital advice firm Personal Capital. The deal, announced in August, will result in Empower bringing Personal Capital in-house, with the robo and human advice firm being rebranded as Personal Capital, an Empower Company.

In September, Empower announced the acquisition of MassMutuals retirement plan business, which is expected to close by the end of the year pending customary regulatory approvals.

[More: MassMutual 401(k) deal wins Empower valuable clients]

Read more here:
Empower to buy Fifth Third's $6 billion retirement business - InvestmentNews

3. Choose dividend payers for peace of mind

It's easy to plan on riding out market downturns, but it can be hard to stick to that plan. Once you see your portfolio balance take a big hit, you'll naturally want to do something, anything, to stop the losses.

Dividend-paying stocks and funds can help you stay the course in those tough times. Why? Because the good ones keep sending those quarterly payments no matter what's happening with share prices. You're not going to sell off those dividend payers in a panic if they're the only positions working for you. And hopefully, the income can pacify you enough so you don't panic-sell other positions either.

Look to invest in a dividend-paying index fund rather than individual companies. A fund is already diversified and easier to manage over time than a bunch of individual company stocks. One to look at is the Vanguard High Dividend Yield Index Fund (NASDAQMUTFUND: VHDYX) which tracks the FTSE High Dividend Yield Index.

The equities in your S&P 500 index fund or a dividend fund are great for growth and income, but they can be volatile. If you're in the early years of retirement saving, you may not mind a little volatility. But as you get older, it's important to moderate that volatility with assets that are more stable in value, like bonds or bond funds.

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Selena Maranjian, The Motley Fool Published 7:00 a.m. ET Sept. 29, 2020

It's a terrible mistake to ignore dividends when you're investing, as they can be powerful aids in growing your portfolio while you're still working, and they can serve you particularly well in retirement, too. But don't think of dividend-paying stocks as only appropriate for older investors.

Here's a look at five key reasons you should consider adding some (or many) dividend-paying stocks to your portfolio.

The first reason is perhaps the most obvious one: Dividend-paying stocks generate income. As an example, if you have a portfolio worth $400,000 with an average dividend yield of 3%, you're positioned to receive $12,000 each year, just from dividends. That money can be reinvested in additional shares of stock, to plump up your portfolio further, or it can be used for living expenses.

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Dividends aren't typically static, either: When they're being paid out by healthy and growing companies, they tend to be increased over time often annually. This can help your income streams keep up with inflation, which has averaged about 3% annually over long periods.

Check out a few examples below.

Company

Recent Dividend Yield

5-Year Avg. Annual Dividend Growth Rate

Starbucks

2%

20.7%

Microsoft

1.1%

10.5%

PepsiCo

3.1%

7.8%

Target

1.8%

4%

Chevron

7.2%

3.8%

Data source: Author calculations, Yahoo! Finance.

When you search for dividend-paying stocks for your portfolio, look not only for a meaningful yield, but also a payout that's growing well over time.

Another upside of dividend-paying stocks is that they're often relatively stable, compared to stocks of other companies. This is not always true, of course, but in general, for a company to commit to paying its shareholders a certain sum on a regular basis, its managers will be fairly confident of reliable revenue and earnings. That's why you'll find that a large proportion of blue-chip stocks are steady dividend payers. (On the other hand, many relatively young and fast-growing companies do not pay dividends at all, because they're plowing every available dollar into furthering their growth.)

(Photo: Getty Images)

Remember, too, that dividend-paying stocks don't merely offer dividends. The shares are still tied to companies that are working hard to grow and become more valuable over time. Thus, if you invest in healthy and growing dividend payers, you'll likely enjoy not just dividend income that increases over time, but also a stock price that increases over time and not necessarily at a paltry rate.

Indeed, when academics Eugene Fama and Kenneth French studied stock market data from 1927 to 2014, they found dividendpayers outperformed non-payers, averaging 10.4% annual growth vs. 8.5%. Here are some more examples of dividend payers:

Company

Recent Dividend Yield

10-year Avg. Annual Stock Growth Rate

Sherwin-Williams

0.8%

25.2%

Lowe's

1.5%

23%

Nike

0.8%

21.2%

Costco

0.8%

19.8%

Amgen

2.6%

17.4%

Discover Financial Services

3.3%

14.4%

Clorox

2.1%

13.9%

Kroger

2.2%

13.1%

Verizon Communications

4.3%

9.7%

Data sources: Yahoo! Financial and theonlineinvestor.com.

Finally, if you're relying on income from dividend-paying stocks in retirement and you end up not needing to sell off those shares over time for additional cash, you'll be able to leave them to your loved ones. This is a meaningful advantage over some other income-producing options, such as annuities. Fixed annuities have the advantage of providing even more reliable income, and they are worth considering in your retirement planning. Indeed, you may end up wanting to set up income streams in retirement from both annuities and dividends.

Don't dismiss dividends as only suitable for older investors and retirees. They have a lot to offer investors at every stage of life.

Teresa Kersten, an employee of LinkedIn, a Microsoft subsidiary, is a member of The Motley Fool's board of directors. Selena Maranjian owns shares of Amgen, Costco Wholesale, Microsoft, Starbucks, and Verizon Communications. The Motley Fool owns shares of and recommends Microsoft, Nike, and Starbucks. The Motley Fool recommends Amgen, Costco Wholesale, Lowe's, Sherwin-Williams, and Verizon Communications and recommends the following options: long January 2021 $85 calls on Microsoft, short January 2021 $115 calls on Microsoft, and short November 2020 $85 calls on Starbucks. The Motley Fool has a disclosure policy.

The Motley Fool is a USA TODAY content partner offering financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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Freelance life unquestionably brings freedom and flexibility. You can work full-time or part-time for who you want, when you want. Depending on your work choices, this type of career can be lucrative and satisfying.

For freelancers, both payment and tax withholding processes are different from a traditional job. These small business owners tend to get their income in a non-taxed way. That means that what they bill a client is what they get paid.

Because no state or federal income tax gets taken out from your payment, you might take a financial hit when it comes time to do your taxes. However, there are some ways to save for retirement and invest in ways that reduce your tax burden on a quarterly and annual basis.

Related: 5 Top Financial Tips for Entrepreneurs

The SEP (Simplified Employee Pension) Individual Retirement Account (IRA) is surpassing other retirement accounts in popularity. Part of the reason for that growth has to do with increased flexibility for your retirement plan. You can deposit more into a SEP-IRA than you could with a Roth IRA, which has a stricter contribution limit.

Another advantage of opening a SEP-IRA is the amount you can contribute. You can contribute up to 25 percent of business profits after you subtract business deductions and half of your total self-employment taxes. Most brokerages offer a calculator to help you determine this figure when you sign up for the account.

If you incorporated your freelance business as an S-Corp and pay yourself a salary, then the calculations are different.

Another option is to open a solo 401(k), which often allows for a larger contribution than even the SEP-IRA. Youll also have opportunities to make post-tax Roth contributions that arent available with a SEP-IRA.

Although that wont benefit your tax obligation today, it will help your long-term savings plan. Someday you'll want to retire and start tapping into that money. The only downsides are that the paperwork is more complex and there may be more fees involved.

Related: New Stimulus Bill Unlocks IRA and 401(k) Dollars for Financially Affected

You might be able to maximize the benefits of various account types by opening a few and adding to each over the course of your freelance career. How you decide which ones to open should be based in part on your tax bracket and marital status.

Check with your tax professional on whether to add a Roth IRA or traditional IRA to your retirement account portfolio.

Although this tax tip mightnot apply to everyone, it does help those freelancers who are 50 and older. Freelancers in this demographic can make whats known as a catch-up contribution to their 401(k) plans.

The extra contributions can help to reduce taxable income and generate considerable tax savings. Becausethe amount continues to change each year and is also tied to your tax bracket, the best approach is to read the IRS guidelines.

Related: 13 Reasons Why Your 401(k) Is Your Riskiest Investment

Relying on family assistance can yield more benefits than ready access to trusted help. By paying family members to work for your business, you can also help reduce your tax burden. While there are some varied rules in place for doing so, self-employed people can gain the most benefit. If you have a corporation, this option has different requirements.

The IRS provides specific guidance on this approach. Payments made to children are not subject to social security and Medicare taxes if your business is a sole proprietorship.

However, while payments to a child under the age of 21 are not subject to Federal Unemployment Tax Act (FUTA) tax, they are subject to income tax withholding, regardless of age. If you employ your spouse or parents, those payments are subject to income tax withholding as well as social security and Medicare taxes.

While freelancing, its important that you create a process for regular rate increases so your clients get accustomed to it. In addition to factoring in your increased value to your clients as you gain experience, it will help fund your retirement and cover the cost of your taxes.

Calculate your estimated tax payments using different income rates while also determining how much you can put into retirement accounts to offset taxes and help build that nest egg. Divide the number you need by your number of clients. This way, you can spread the cost across your client base rather than hitting one or two clients up for the full amount.

Related: 8 Lame Ways to Fritter Away Your First Million Dollars

If you don't have many clients, then pursue a strategic marketing plan to generate more income. While you mightspend some money now, you can write off those marketing expenses in many cases as part of your deductions.

That doesnt mean you should spend without thought. Its important to set a financially prudent marketing budget. A tax deduction is only a small percentage of your total marketing spend, so focus on maintaining cash flow while attracting new clients.

Incorporating can be such a complex process that freelancers often opt for the straightforward sole proprietorship structure instead. However, despite its complexity, incorporation can yield significant benefits and perks like liability protection, tax breaksand health insurance discounts that you cant achieve as a sole proprietorship.

Because every business is different, its important to do your research first and consult with a tax professional and a financial advisor. This will pay dividends not only for your ongoing freelance income, but also any attempt you make at home ownership, or for your retirement savings as well.

Related: New Study: Health Care Is Freelancers' Biggest Concern

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Once you hit your 50s, retirement is no longer something happening far off in the future.

Whether you have been a super-saver your entire career or are just starting to think about retirement, it's time to take a serious look at what you expect your golden years to look like.

For those in their 50s, "it is the most important time to really figure out where they are, reassess their goals long term and really focus on planning," said certified financial planner Diahann Lassus, co-founder, president and chief investment officer of wealth-management firm Lassus Wherley, a subsidiary of Peapack-Gladstone Bank.

That means crunching the numbers and really thinking about when you want to retire and how you are going to get there.

While it may be easy to get distracted by other financial obligations, like helping your kids pay for college or a young adult child moving back home due to the coronavirus pandemic, remember to "put your mask on first," said Lassus, a member of the CNBC Financial Advisor Council.

"You have to take care of yourself because no matter how brilliant your children are, they really aren't going to want to support you later in life," she said.

Greg Dailey and his wife, Cheryl

Source: Greg Dailey

For small-business owner Greg Dailey, retirement is something he never gave much thought to. Instead, the 51-year-old has been focused on growing his framing business, located in Chatham, New Jersey, picking up extra cash from his side hustle delivering newspapers and raising his three children with his wife, Cheryl.

"I don't really have a real plan," said Dailey, who grew up poor and without any financial literacy instilled in him as a child.

"Am I going to have enough money to ever 'retire'?" he said. "I don't know.

"I don't think so."

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He puts much of his focus on his kids. His oldest, 24-year-old Erin, was the first in his family to go to college. His 22-year old son, Sean, is currently a senior in college and 17-year old Brian is a high school senior. While his kids all have, or will have, student loan debt, Dailey is doing what he can to help out financially.

He has been able to put aside about $13,000 in an emergency fund, but he has no retirement savings and two mortgages on his house in East Windsor, New Jersey which add up to more than what he paid for it more than 20 years ago.

"I've always been in survival mode," he said.

Fortunately, his business didn't suffer too much during the coronavirus restrictions and is growing. His wife has a 401(k) and he plans on working hard for the next 10 years and putting money aside.

"I'm going to have to start investing," he said. "Hopefully in the next 10 years I'll be able to pay off my house."

If you haven't started saving yet, the first thing to do is to examine your expenses and where you can cut so you can begin putting money aside.

Also, look at your overall expenses what you spend money on today that you won't have to in 10 years to 15 years, like college tuition, mortgage or car payment, said Brian Walsh, senior advisor at Walsh & Nicholson Financial Group, based in Wayne, Pennsylvania.

"Retirement is expense-driven, not necessarily assets-driven," he said.

From there, determine what you'll need to live on in retirement and see how much you'll need to save in addition to any Social Security you may collect, he said.

Put as much as you can into your 401(k), if you have one, advises Lassus.

Once you hit 50, you are allowed to make up to an additional "catch-up" contribution each year. For 2020, the catch-up limit is $6,500, which can make a huge difference down the road, she said.

If you don't have an employer-sponsored plan, then contribute as much as you can to a Roth individual retirement account, if you qualify, or a traditional IRA. Your annual contribution for 2020 is capped at $7,000 if you are age 50 or older.

While Roth IRAs are widely beloved by financial professionals, since contributions are made after tax and distributions aren't taxed, there are income limits. You can contribute the full amount if you make less than $196,000, if you are married and filing jointly, or less than $124,000 if you are single. However, you can still contribute a reduced amount if you make less than $206,000 as a married person or under $139,000 if you are single.

Then, there are Roth 401(k) plans. Contributions are made after tax and there are no income limits. The maximum contribution is the same as the traditional 401(k). Walsh is a fan of the plans and said he believes it is a good way to take advantage of low taxes today.

"With the swelling debt taken on by the U.S. government, taxes are going to have to go up," he said.

In other words, pay now at a lower rate than later at a potentially higher one.

You'll want to make sure your retirement portfolio keeps pace with inflation. These days that means staying middle-of-the-road in a moderate-risk portfolio, Lassus said.

"I wouldn't start getting more conservative," she said. "The old 60-40 still works."

The standard 60-40 portfolio means 60% is invested in equities and 40% in fixed income.

Make sure you really understand where you are relative to where you want to be when you get ready to retire.

Diahann Lassus

certified financial planner

Walsh agrees that at this point, 10 years to 15 years from retirement, you want a majority of your assets in equities and, even five years to seven years away, he would keep 60% to 70% in stocks, since there is a lot of risk in the bond market these days.

If you have a 401(k), he suggests sticking with a target date fund, which automatically rebalance as you get closer to retirement.

What you have in your 401(k) or IRA likely won't be enough to retire on, even if you are maxing out your contributions, Lassus said.

"The 401(k) doesn't provide the kind of dollars that a person is used to," she said.

Therefore, having money outside of your retirement accounts is important, as well.

"Otherwise, what happens is, when people retire, they have to be very creative at reducing expenses," she said.

First, have an emergency fund. Typically, that is three months to six months of expenses that is easily accessible.

After that, start making monthly investments in a brokerage account using primarily a mutual fund or exchange-traded fund, advised Lassus.

Debt is a big issue for many in their 50s, Lassus said. If you have credit card debt, try to get it under control.

Also, take a look at any car debt you have, like a lease, which is an ongoing cost, she said.

While many aim to pay off their house by retirement, she wouldn't focus as much on paying off your mortgage.

In the end, making sure you are ready for retirement means continually updating your plan.

"Make sure you really understand where you are relative to where you want to be when you get ready to retire," she said.

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No matter your age or income level, your goal should be to pay the IRS as little tax as possible. And the choices you make with regard to retirement savings could have a huge impact in that regard. In fact, many workers overlook one important long-term savings tool that's actually loaded with tax benefits. And if you're forgetting it, too, you're doing yourself a major disservice.

3 THINGS TO DO IMMEDIATELY IF YOU HAVE NO RETIREMENT SAVINGS

Not everyone is eligible to contribute to ahealth savings account, or HSA. To qualify, you must be enrolled in a high-deductible health insurance plan, the definition of which changes from year to year. For 2020, you'll need an individual deductible of $1,400, or a family level deductible of $2,800.

But assuming youdoqualify, HSAs are unique in that unlike other retirement savings plans, they offer three distinct tax benefits:

By contrast,IRAs and 401(k)s, which are commonly used to save for retirement, don't offer the same number of tax benefits. With a traditional IRA or 401(k), your contributions go in pre-tax, and investment growth is tax-deferred, but withdrawals are subject to taxes. With a Roth IRA or 401(k), contributions are made with after-tax dollars, while investment gains and withdrawals are tax-free. These accounts are certainly worth funding, but it's also worth incorporating an HSA into your retirement savings strategy. Though you can use an HSA outside of retirement, these accounts are best maximized when you contribute more than what you need in the near term, invest your money for added growth, and then carry those funds all the way into your senior years, when you're likely to need that money the most.

4 RETIREMENT PLANNING STRATEGIES TO LEAN ON IN UNCERTAIN TIMES

Another thing you should know about HSAs is that normally, you'll be penalized for removing funds from your account for non-medical purposes, the same way you'll face penalties if you withdraw from an IRA or 401(k) prior to age 59 1/2. However, once you turn 65, you're actually allowed to remove money from an HSA for any reason. If you don't spend that money on medical expenses, you'll be taxed on your withdrawal -- but you'll still get the flexibility to take money out as a senior and use it as you wish.

The contribution limits for an HSA change from year to year, and currently, you can put in up to $3,550 if you're contributing as an individual, or up to $7,100 if you're putting money in at the family level. However, like IRAs and 401(k)s, HSA offer a catch-up contribution to older workers, albeit at a slightly later age. Once you turn 55, you can put an extra $1,000 a year into your HSA, bringing your total for 2020 up to either $4,550 or $8,100.

Best of all, unlike flexible spending accounts, you're not required to commit to an annual contribution in advance. Rather, you can adjust your contributions at any time. This means that if you've only allocated $1,000 to your HSA this year when you're actually entitled to contribute $3,550, you can still go ahead and put in that remaining $2,550.

RETIRING SOON? ANSWER THESE 3 QUESTIONS TO DECIDE WHETHER TO RELOCATE

It's easy to disregard HSAs as a retirement savings tool since, as the name implies, they're an account intended to cover the cost of near- and long-term medical expenses. But the flexible nature of HSAs makes them perfect for your later years, and given that the typical 65-year-old couple today is expected to spend$295,000on medical care throughout retirement, having a dedicated source of healthcare income is hardly a bad thing. Just as importantly, it never hurts to lower your tax burden as a working adult and as a retired one. Be smart with your HSA, and you'll enjoy less taxes up front, and a tax-free source of income when you're older.

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