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.

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, used to be the go-to source of information.  However, as reported by, 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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How Gender Impacts Investor Behavior

Who do you think tends to be better investors: men or women?  The latest in a fairly large body of research on the topic sides with women. As reported by The New York Times, a Vanguard analysis of 2.7 million IRA investors found that women were less likely to sell their equity investments at last […]

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Retirement Realities Sinking In

American workers are becoming more realistic about their prospects for retirement.  The latest annual Retirement Confidence Survey from the Employee Benefit Research Institute (EBRI) found that nearly 25 percent of all of today’s workers expect to retire at age 70 or older, the highest number expecting such a late retirement since the EBRI started its […]

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Recession Lessons: Diversification Still Works

The Great Recession prompted many pundits to declare much of the conventional investment wisdom null and void.  But not so fast.  An analysis by brokerage house T. Rowe Price (see the article starting on page 15) makes a compelling case that a properly diversified portfolio, including stock market exposure, is still the best route to […]

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Money Market Funds Lose Insurance Protection

A temporary program insuring money market funds has expired. However, according to an article in on, there’s not much reason to worry about the safety of money invested in such funds. The insurance program was put in place last fall after the Reserve Primary Fund “broke the buck” – that is, the fund’s investment […]

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