AdviceIQ Articles

  • Navigating Mutual Funds

    Mutual funds carry unique risks and benefits just like other investments, despite marketing that tells you otherwise. As ubiquitous as they are, a lot of people aren’t clear how they operate and what the differences are among them.

    Here’s what to look for.

  • Pros and Cons of Annuities

    You need a steady income flow in your retirement years and can build one with the right type of investment tool, such as annuities. Question is, what kind? One type has a fluctuating value that depends on market forces. Another type offers a steady payment. Here’s a guide to figuring this out.

  • U.S. Ingenuity = Energy Surge

    The irony is great. The United States, once a beggar to foreign oil producers, is now a big energy exporter. Even better, this trend is just getting started. The reason: good old American ingenuity.

    The Saudi princes are nervous: 92% of Saudi Arabia’s annual budget depends on oil sales. The fear is that the energy boom in the U.S. and elsewhere, driven by improved seismic technology, horizontal drilling and fracking techniques, will diminish sales and the Organization of Petroleum Exporting Countries dominance of global oil prices.

  • Reluctant to Hire an Advisor?

    Some folks just do not want a financial advisor. Why? Concerns about advisor honesty, doubts that they their wealth is big enough for an advisor to care and lack of understanding about what an advisor does.

    According to a survey by researchers Cerulli Associates, about half of American households lack an advisor. The argument for hiring an advisor is compelling – even the best players need a coach, a savvy third party to look over your shoulder and offer wise counsel.

  • Preparing for the Unthinkable

    Scary things happen in life. Here’s how to make thinking about them easier.

    You love your family and want to make sure they’re protected if something happens to you. One way to plan for disaster: Manage your risk.

    The right variety of personal insurance. You already hold insurance for your car or home. Chances you need other insurance loom greater than you think.

  • Making $100 Fast (Part 1)

    Everyone needs cash in a hurry from time to time. This first article on the subject shows how to make money selling what you no longer want.

    Selling what you own or acquire cheaply ranks as one of the best and easiest ways to make quick cash. It also keeps clutter in your life to a minimum. Here are a few avenues:

    Garage sales. Profits of well-run sales average the low three figures per day – earned without even leaving your house.

  • 2014 Reversals of Fortune

    In the market, the only constant is change. So in the new year, look for reversals of fortune. What is up now may not continue to be, and vice-versa.

    As has been the case all year long, global stock market investors had a great 2013, with most countries experiencing 20%-plus percent returns.

  • Year-End 401(k) Tips

    There is lots of turmoil in the investment world lately. How should you respond when managing your retirement fund as the year winds to a close?

    Both the Dow Jones Industrial Average and the Standard & Poor’s 500 consistently flirt with or break records this year. Twitter (TWTR) just went public.  Questions abound on when and how the Federal Reserve will end its bond-buying program, which will affect how fixed-income investments fare.

  • How to Take IRA Withdrawals

    Are you about to turn 70? Six months after your birthday, the law requires you to start tapping your tax-deferred retirement accounts. The rules surrounding a withdrawal are complicated and fraught with tax peril. Here’s how to navigate them.

    Note that you have until Dec. 31 of each tax year to take these withdrawals, called required minimum distributions (RMDs). That date is coming right up.

  • 3 Emotional Investing Traps

    Whether the market is climbing, as it has recently, or is dropping, the danger is that you let emotions guide your investing. How can you avoid that trap, and base your investment decision-making instead on rational considerations?

    You have likely heard a lot about behavioral finance, which spotlights the mental shortcuts and other emotion-driven patterns that too often lead to bad decisions.


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