AdviceIQ Articles

  • Psychology, Supply and Demand

    Consumer spending makes up a large part of the economy. To gauge how people spend on goods – and how you invest in stocks of companies that provide these items – you must look at social forces. The psychological influences of supply and demand don’t readily show up on customary economic metrics. 

  • How Fund Fees Eat Returns

    Conventional wisdom is that you get what you pay for. This is not so when it comes to investing. Higher fees for investment products such as mutual funds are often not justified with higher returns.

  • Invest Like Yale? Not Likely

    Trying to “invest like Yale” has become a favorite theme among investment industry practitioners, given the successful results the university’s endowment plan has achieved over the long term. But as an individual investor, you are unlikely to do what Yale does, because as an institution it has advantages you don’t.

  • Gaining Financial Freedom

    Over the past July 4, we celebrated our country’s history of declaring independence and guaranteeing basic human freedoms. But true freedom requires financial independence, as well.

    Self-sufficiency isn’t guaranteed but every one of us has the opportunity to achieve it. Check out these four steps to achieve financial independence:

    Make sure to plan ahead. During your saving and investing years, you must spend less than you make, no matter how high your income. It is vital that you invest prudently, without letting your emotions get in the way.

  • 5 Lessons at Mid-Year

    The first half of 2013 is in the books, so now is a good time to review your portfolio.  Keep these five investing lessons learned (and relearned) from the first half in mind.

    It’s been a good year in terms of the domestic stock market; other areas of the markets were mixed.  The second quarter saw declines in most fixed-income categories, real estate and in many international stock segments, including emerging markets.  Commodities and precious metals also suffered setbacks of late. 

  • Remedy for Social Security Woes

    Americans expecting the government to fund their retirement may be sorely mistaken. Taking retirement savings into your own hand is the only smart move that can guarantee comfort in your years after work.

  • How to Set Financial Priorities

    How do you prioritize financial goals, such as saving, getting insurance and paring debt? First, identify the most important things to do with your money. Then you can rank your financial to-do list.

  • Education Fails = Economy Fails

    How well our education system does its job affects the U.S. economy. No secret: Schools aren’t doing the job adequately. As investors and citizens, we all need to fix that.

    Tuitions costs are on the rise. This is likely not news to you but it’s still having a large impact on our future generations and also our current economy. According to analyst Mary Kane at Citigroup, student loan debt makes up nearly a third of all non-mortgage debt in the United States, approximately $1 trillion in total.

  • Secrets to Creating Wealth

    There is no such thing as the right path to creating wealth, such as getting the right job or starting a business. The secret, instead, is a mindset that includes looking at the long term and knowing what you need to give up.

    Working with successful wealth-builders over three decades as a financial planner taught me what works and what doesn’t. Here are just a few of the paths that aren't the sure routes to wealth they might seem to be:

  • How to Plan for a Vacation

    One of the more fun topics in financial planning is saving up for a nice relaxing vacation in a sunny locale. If you want to enjoy a vacation without getting fleeced, it pays to plan ahead.


Subscribe to AdviceIQ Articles