If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition. You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty. But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]
If you’re like many U.S. investors, you may wonder why you would invest in international stocks. Overseas markets just seem riskier, especially when we read news about an on-again off-again Brexit, terrorist attacks in the UK, saber-rattling in the Korean Peninsula, and continued conflict in Syria. No greater financial sage than Warren Buffett, CEO of […]
Over the past few years my spending has transitioned from coin and paper to online and plastic. Periodically I would take the coins that accumulated in my wallet and transfer them to a big jar. Once the jar was full I would use the coins toward a fun purchase. Most of the time the money […]
With Dow recently crossing 20,000, the general mood among many investors is not euphoric but cautious. The uncertainty that some see in the new Trump Administration has extended to fear about its impact on world financial markets. The argument goes like this. We are in the midst of an eight year bull market for US […]
At the end of last year, it seemed almost every day the Dow set a new all-time record. The Dow is likely to reach the 20,000 threshold in the weeks to come (if it hasn’t happened already). But is this important and what does it portend for your financial future? The Dow, short for the […]
If I had to know just one thing about an investment portfolio, it would be its overall asset allocation. The portion of your investments in equities (such as stock mutual funds) and fixed-income (such as bond or stable value funds) tells us more about its performance than anything else. Over long periods it’s mattered much […]
You’ve been saving for this day for thirty years, but you have to wonder how the mechanics of getting paid are actually going to work.
Many of you believe that investing internationally is a poor idea — at least right now. But before you liquidate, just consider: Are you just selling low? By the time everyone is sanguine about the European economy, it may be too late to benefit from the gains.
It’s no secret that retirees and others looking for investment income have suffered in our low interest rate environment. The standards of fixed income investors – Treasury bonds, CDs, online banks, and municipal and corporate bonds – are not providing enough income for retirees to support themselves. The search for income has now led to […]
Your portfolio? There’s an app for that. Financial companies have unleashed an onslaught of apps to help you track and manage your investments. The app revolution doesn’t end with merely observing your portfolio. Now you can actually trade on your iPhone, iPad and Android devices. With every Super Bowl, we see a new commercial of […]
Let’s say you were an oracle able to predict the future to an uncanny degree at the beginning of this year. You anticipated the uprisings in Tunisia and how they would spread throughout the Muslim world leading to the overthrow of Hosni Mubarak and other long-serving authoritarian potentates. Among the affected countries were some of […]
It’s the single largest portfolio holding for many investors. Directing it wisely can make the difference between thriving and struggling in retirement. With the 2011 retirement plan year upon us, how do you go about making fund choices? Some of us approach it like the stars of Top Chef improvising a dish — a little […]