AdviceIQ Articles

  • Stock: The First Shall Be Last

    Many of the biggest winning stock sectors of 2013 are the largest losers this year. This reversal stems from a move from last year’s predominantly risk-on thinking (confident investors opted for riskier stocks) to the current, more pessimistic risk-off outlook.

    Your response to this turn-about should be to ignore the temporary gyrations and analyze these stocks deeply, before you buy, sell or hold them.

  • Selecting a Wealth Manager

    Choosing an advisor is not easy. Nor should it be. Here are a few questions to ask as you start the process of selecting an advisor, as well as red flags to avoid at all costs.

    ·         How does the advisor get paid? Is she or he commission-based or fee-only? A fee-only advisor does not accept any type of commissions for product sales. For advisors who are compensated by commissions, you pay them as you execute trades.

  • How to Move to a Roth 401(k)

    You need the most flexibility possible when funding your retirement. But moving your retirement money into a Roth 401(k) is a complex subject, and there are plenty of pitfalls to watch out for.

    Here’s how new regulations do and don’t benefit you.

  • Commodities: The Bullish Case

    A recovering world economy may just be the wind beneath the wings to lift commodities, last year’s laggard, to new heights. To some investors they appear too cheap to resist buying.

    This is a cyclical story. Stocks had their run in recent times, with last year a blowout too high to be repeated. Stands to reason that the seesaw should go the other way soon: While the Standard & Poor’s 500 soared in 2013 by nearly 30%, the Dow Jones-UBS Commodity Index dipped 9.6%.

  • Back to Basics Investing

    If you follow financial news, you hear a lot of ideas about strategies to strike it rich. Some advice: Don’t listen. Every once in a while it’s important to go back to basics when evaluating how you manage your money.

    There is an investment strategy out there for just about everyone, whether you want to be aggressive or preserve your capital long-term. What is often too easy is getting bogged down in the Investing section of a Barnes & Noble bookstore, looking at all the books promising to make you rich in five easy steps.

  • Get Financially Organized

    You need to get financially organized for 2014. Here’s how.

    Many people remain unsure where to start with their finances. Kick off with this printable financial checklist with actionable strategies, boxes to check off and spaces to fill in on your own. Stop stressing about your money and start writing down goals and checking your financial status.

  • Higher Rates Ahead? Maybe Not

    The 2014 outlook for fixed-income is the most complex in a long time, sparking worries for this year and beyond. Investors tend to believe bonds are a “conservative,” mostly stable investment. Not really. Expect volatility ahead, and don’t bet that interest rates will rise.

    The best advice: Avoid bonds, and especially bond funds, until the direction of rates becomes clearer.

  • How to Have Enough Money

    Is money important? To answer that question, we turn to that sage observer of humanity, Woody Allen, who proclaimed, “Money is better than poverty, if only for financial reasons."

  • Tools to Find a College (Pt. 2)

    You and your prospective college student teen know what you want in a college. Here in the second of two articles are sources for finding colleges and, maybe more important, ways to pay for tuition.

    Start with talking with career counselors at your teen’s high school; the school website probably has a link to the counseling or career center. These counselors know or can find out what qualifications different colleges require, such as types of high school classes.

  • Don’t Be a Market Prisoner

    Some say you should put all your money in a diversified portfolio and let it ride. But the market’s roller-coaster ride of the past quarter century was bad for the psyche, not to mention the wallet. A more effective approach: actively shift your assets around in response to widespread trends.


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