Submitted by Lewis J. Walker on Fri, 09/19/2014 - 9:00am
Simplicity is the biggest advantages of target date funds. But simpler is not better. Many of these funds, designed to grow more conservative as investors age, still are too risky. And too often, they fall short as a financial planning tool because they don’t take into account individuals’ needs.
Submitted by Rick Kahler on Tue, 09/16/2014 - 9:00am
If you keep your life savings in certificates of deposit or a savings account at your local bank, that decision may be based on a common belief about finances, known as a money script: “You can’t trust the stock market.” This belief about money can keep you from making the most of your retirement savings.
Submitted by Ryan J. Klekar on Thu, 09/11/2014 - 3:00pm
When did you last evaluate your company’s retirement plan? If you’re like many people, your 401(k) or profit-sharing plan constitutes the largest – or at least one of the largest – investment accounts in your portfolio. Here’s how to make sure it’s the best plan for you.
Many factors help you evaluate your plan, including the total expenses, investment options, guidance provided and your company match.
Submitted by Nicholas Atkeso... on Wed, 09/10/2014 - 9:00am
Yes, it is different this time, and not in a good way. The aftermath of the financial crisis and the worst economic downturn since the Great Depression produced a sluggish recovery. Accelerating technological change is further disrupting. When looking for a culprit for economic malaise, search no further.
Plus ça change, plus c'est la même chose (translation: The more things change, the more they stay the same). Old wise men and women add a wrinkle to their brows when they hear the phrase: “It’s different this time.” They’ve heard that before.
Submitted by Joseph A. Clark on Mon, 09/08/2014 - 9:00am
Volatility, which measures how stock prices jump around, is relatively low lately. But depend on this: It will surge again, once the market goes through turmoil. We are overdue for that. There is only way to survive the next bout of volatility – with cold blood.
The French call this quality sangfroid. Unless you need to cash in your stocks for some reason, like retirement, don’t let these gyrations faze you. Let’s explain why this makes sense.
Submitted by Nathan Sonnenberg on Wed, 09/03/2014 - 9:00am
After tax season, when they realize exactly how much tax they paid at home, a number of my friends, colleagues and clients asked me what they should do to reduce their taxes next year. While I’m not a tax professional, I certainly pay attention to tax rules and rates regarding investing.
My short answer to their question was – create a portfolio of low-fee, thoughtfully constructed stock index mutual funds or exchange-traded funds. Yet not all of them do the job for you. Here’s how to find the right one.
Submitted by Martha Strebinger on Tue, 09/02/2014 - 9:00am
You keep hearing that, because stock market valuations are so high lately, that a downturn is imminent. But this is not necessarily the case. The often-used P/E ratio, which measures valuations and now is on the high side, is not always the best market bellwether.
Submitted by Yale Bock on Tue, 08/19/2014 - 9:00am
A constant mantra in the investment world is that it pays to own good stocks for the long term. The question is: How do you find these long-term winners? This is very difficult, as the most recent quarter illustrates. Let’s examine the field.
Submitted by Walid L Petiri on Mon, 08/11/2014 - 9:00am
Odds are that the U.S. energy renaissance now under way will continue for some time. That means investing in energy companies should bring a bountiful result. But the menu of possibilities is dauntingly large. What works best? One answer: natural gas and an investment vehicle called a master limited partnership.