AdviceIQ Articles

  • Do-Good Funds Now Do Well

    Socially responsible investing (SRI) is increasingly popular, with more and more mutual funds offering this ideals-based style. It is a diverse field, more known for what they avoid (some won’t invest in cigarette companies, others bar defense contractors, etc.) than what they embrace (pro-green or promoting diversity, for instance). But are they good investments? Actually, the answer is … yes.

  • How to Be a Grandparent

    The excitement in the client's voice was palpable. He and his wife were to become grandparents for the first time. Their next step was to plan for funding the grandchild’s education and bequeathing the youngster assets later on. How do they do that?

  • Why Young Need Life Policies

    Life insurance, often ignored and under-prioritized in personal finance, protects your family even in your 20s and 30s. Here’s how and why you must secure a life policy.

    Appropriate life insurance is about your family – not about you – and making sure of their protection in case something happens to you. If your spouse or children or both depend on your income, what replaces your salary if you die? How does your spouse maintain household expenses? The mortgage?

  • China’s Plan and U.S. Investors

    China counts more than you know. The world’s rising colossus is forming a new economic plan that will affect Americans’ retirement, savings and future.

  • How to Build Good Credit

    You likely know the pivotal role good credit plays when you try to buy a house or a car. It’s likely too that you don’t buy houses and cars every day, so maintaining a credit rating seems like a back-burner need. Not so, and here’s how to keep your rating up.

    Building and maintaining good credit helps create a solid financial foundation and eventually becomes a linchpin of your overall financial plan.

    These steps help build credit:

  • Potential Versus Real Wealth

    You make a decent living, maybe even border on rich. Can you maintain that wealth and if so for how long? Here’s some perspective on how to build true wealth.

    Part of the American Dream hinges on the freedom to pursue prosperity and success through hard work. We Americans enjoy the personal liberty to determine our own path in life; our capitalist society supports a path to financial freedom.

  • Bond Party Over? What to Do

    If the three-decade-old bond party is over, should you forget about them? Not at all. Here is why bonds deserve to keep a prominent place in your portfolio, regardless of what happens to bond prices.

    There is a lot of attention paid to the bond bubble. Maybe there is one, maybe there isn’t. Maybe it pops spectacularly or maybe it doesn’t. We aren’t predicting an outcome here. We won’t know for sure until it pops or slowly deflates over time, as today’s very low rates return to some level of normal.

  • Coping: IRA Withdrawal Rules

    The rules about when you must take out money from your individual retirement account and other such vehicles are vexing. Mess this up, and you owe a penalty. Here’s what anyone nearing age 70 must know.

  • Buy Commercial Real Estate?

    Want a good way to build wealth? Own commercial real estate. But only if you are willing to undertake due diligence that may not be readily available online, make a big hands-on commitment to mind the investment and exercise enormous patience.

    Real estate is one of the largest asset classes in the world. The family home is the largest asset many middle-class Americans own. And real estate makes up a significant portion of the net worth of many wealth accumulators.

  • Irrational Exuberance: Where?

    The Dow Jones Industrial Average and Standard & Poor’s 500 are at all-time highs. Many investors worry about lofty valuations and are not sure how to invest in equities today. Fear not. The market is not frothy and over-valued, despite what some indicators seem to say.


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