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.

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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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 Kiplinger.com, 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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Putting Off Retirement

People’s lack of savings plus the recession has left an increasing number of people realizing they may need to work longer than expected. Understanding that such news may not sound pleasant, a Mainstreet article noted that you don’t have to sign on for an extra 10 to 20 years in order to afford retirement; another […]

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Putting Your Money Where Your Values Are

Have you ever taken the time to see what companies your mutual funds are invested in? And do you know what businesses those companies are involved in? According to a U.S. News & World Report article, such concerns have fueled the rapid growth of socially responsible investing (SRI). Numerous SRI mutual funds are now available […]

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