Archive | Investing

Getting Started With Investing
For help determining how much you may need for your retirement, figuring out your optimal asset allocation, adopting the best process for choosing investments, and choosing among your IRA and 401(K) options, read The Essentials of Investing. For college funding, read How to Help Your Kids Pay for College.

Market Roller Coaster

Market Mayhem – What To Do

If you have money in the stock market, you probably feel like you’ve been riding the wildest, scariest of roller coasters. Down 512 points.  Down another 635.  Up 430.  Down 520.  Up 423.  Up 126.  Where will it go next?  When will this crazy ride end? When things seem out of control, I look for […]

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Roth IRA

Investing While Keeping Uncle Sam Out of Your Pocket

In some recent posts on investing, I’ve covered the importance of getting in the game as soon as possible so you get the financial wind (compound interest) blowing in the right direction.  And I’ve emphasized the importance of asset allocation, noting that one of the easiest ways to get the proper allocation is to invest […]

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Target Investing

Investing Made Simpler

The last couple of posts have dealt with investing – arguably the most challenging aspect of personal finance.  We talked about the importance of starting an investment program as soon as possible in order to take advantage of the amazing power of compound interest.  And we talked about the fact that asset allocation is more […]

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planning risk

The Most Important Key to Investing Success

Do you know what separates the great investors from the lousy ones?  Do the greats just have a knack for picking winning stocks?  Do they have access to information that mere mortal investors don’t? Actually, the key to investing success is much more boring sounding.  It’s making sure you choose the right asset allocation. What […]

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Senior couple on cycle ride

Will You Ever Be Able to Retire?

It used to be that a lot of people were confident they’d be able to retire comfortably one day.  Funny thing was, even in those good old days, far fewer people were actually taking the necessary steps, like saving enough money. Today, things have changed.  More people are facing the fact that they’re behind on […]

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The Scared-to-Invest Generation

The recession has left workers in their 20s and 30s wary of the stock market.  According to the Employee Benefit Research Institute, the percentage of workers between 25 and 35 who say they have saved for their retirement has fallen by over 20 percent in the last decade.  A Newsweek article about the research noted […]

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Learning How to Save for College

For anyone trying to figure out the best ways to save for a child’s future college costs, SavingForCollege.com used to be the go-to source of information.  However, as reported by Mainstreet.com, Morningstar has become a valuable added source. I can’t say one site is better than the other; both have their advantages.  Both offer helpful […]

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The Case for Index Funds

A new study by professors at the University of Chicago and Dartmouth reinforces the wisdom of the small print in mutual fund advertisements: “Past performance does not guarantee future results.”  The research found that “virtually all actively managed funds” fail to outperform the indexes against which they are compared, and that any success achieved by […]

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Trying to Catch Up in the Retirement Race

Over half of all employed American adults feel “a little” or “far” behind in their financial preparations for retirement, according to a new survey from TD Ameritrade.  The most common explanation?  Respondents said they simply have no money left to save after meeting their regular expenses or they started saving too late.  Many parents also […]

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