AdviceIQ Articles

  • The Fed’s Bafflegab

    Obfuscation is an art form in which the Federal Reserve excels.  Our nation’s central bank follows a few simple rules:

  • The Rich and Their Advisors

    Rich people have different problems. For the more affluent, the financial planning process is more complicated. That’s why this clientele often turns to a team of professionals.

    But there typically is one central advisors to play quarterback, coordinating the efforts of such experts as accountants, real estate attorneys, estate planning attorneys, said Stephen Stabile, senior vice president and wealth management advisor at Merrill Lynch, in an advisor panel.

  • The 401(k) Ignorance Factor

    Too many Americans don’t understand how their 401(k) plans work, and how to take full advantage of this excellent retirement savings vehicle. Such neglect is very harmful to their long-term well-being.

  • Obama Tax Flight Plan: Doomed

    Tax inversions – relocating a U.S. company’s headquarters to a lower-tax nation – are an attractive prospect for American shareholders. But President Barack Obama’s move to block them is doomed because the government has a bad track record in legal tax disputes. Plus, his plan likely would backfire, spurring more foreign takeovers of U.S. companies.

  • The Future of Financial Advice

    Financial planning looms in everyone’s life, including yours. Not all money advisors are created equal, though. Does yours do the best job for you – and how can you contribute to making your own plan?

    “Is your advisor asking you, the investor, the right questions? Is the investor asking the right questions of the advisor?” said Jeffrey Vivacqua, senior vice president of business strategy at the Fairfield, Iowa-based broker-dealer Cambridge Investment Research, speaking at a recent advisory panel.

  • Use IRA $$ for Annuities?

    For forever and a day, conventional planning wisdom said don’t use your individual retirement account funds to buy an annuity, primarily because traditional annuities featured tax deferral. Recent changes in annuities may alter this conventional wisdom.

  • The ECB’s Useless Stimulus

    The European Central Bank is trying to stimulate the continent’s sagging economy. Judging by the Federal Reserve’s fruitless efforts to perform such a miracle on the U.S. economy, the ECB is wasting its time.

  • How to Pick Individual Stocks

    Picking single equities seems almost quaint in these days of the mutual fund. Singling out a stock for your portfolio still makes sense, though, if you know how to select smart and you sift carefully through headline deals.

    One caveat remains true: “Stay away from them if you can’t afford to lose the money,” said Daniel Mazzola, an advisor with American Portfolios in Massapequa, N.Y., speaking at a recent investing panel.

  • Should You Invest in Startups?

    Are you looking to get into an exciting startup? Despite all the success stories – Facebook, Twitter, etc. – you should know that rarely does a startup make it and reward you with a lot of money. Investing in pre-initial public offering companies involves too great a risk for individual investors.

  • Investing: Head Vs. Heart

    What’s life without joy, sadness, happiness and sorrow? Emotions enliven and enrich your existence – and, if you let them sway your financial judgment, they can drive your portfolio onto the rocks. How do you avoid letting your feelings determine your investing?

    “Emotions do matter,” said Hugh Massie, chief executive officer of behavioral management advisory firm DNA Behavior in Atlanta. “They get in the way of investors’ success.”

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