Blog

Rollovers Series - should I or should I not roll-over?

When you change jobs, everything you need to take with you can usually be packed neatly into a couple boxes for your move - everything except your employer-sponsored retirement plan. Of course, you will likely enroll in your new employer’s retirement plan, but the decision as to what to do with your existing 401k plan may not be all that clear.

Managing Investment Risks

In my opinion, it is impossible to predict future stock market returns. Investment models can produce hypothetical returns but they can’t account for future events. So, in my opinion, investors who manage their investments based on market performance or what they perceive as opportunities for better returns have very little control over the outcome.

How to Control Your Debt

The one aspect of personal finance that most Americans share in common is debt accumulation. Average household credit card debt exceeds $7,000. But then, controlling debt becomes a truly subjective issue. Some people might think that having a few hundred dollars of debt is a major problem while others are can barely survive under the weight of their out-of-control debt.

The Keys to Building Wealth

For many Americans, building true wealth might seem elusive, even illusory considering that many people, who very recently were sitting on six and seven figure 401k plans and home equity values, now feel unprepared for retirement. The lessons learned from the financial crisis is that wealth can be fleeting.

How to Increase Your Returns with Tax-Savvy Investing

After market-risk and inflation-risk, which investors take great strides to mitigate through sound investment practices, taxation-risk presents the biggest obstacle to building wealth. A sound investment strategy not only seeks to generate returns on your capital, it also seeks to preserve as much of your capital as possible to keep it working for you.

Creating a Will and Why You Need One

Sadly, more than 55% of Americans die each year without a will; and while it’s understandable why the subject of death is not one people like to contemplate, if they actually knew what happens to their estate when they die “intestate” (without a will), they might reconsider their reluctance.

What You Need to Know About Social Security

Social Security was never intended to be an income source that could support you in retirement. Rather, its sole purpose was to provide a safety net for people who were unable to accumulate sufficient retirement savings.

When Should You Fire Your Fund Manager?

While you may not think of it in this way, your investment in a mutual fund is actually a contract to hire a professional to manage your funds, just as if you had hired an individual portfolio manager. With investment management fees approaching 1.5%, there’s no need to be concerned if they are being paid enough.

For Long-Term Investors Fees Really Do Matter

After costs, the return on the average actively managed dollar will be less than the return on the average passively managed dollar for any time period.
—William F. Sharpe, 1990 Nobel Laureate

Why You Need a Serious Retirement Investment Strategy

With rising retirement costs, longer life spans, and the need to rely almost exclusively on one’s own assets for income, there is little margin for error in investing for retirement. When we’re talking about securing a comfortable income that needs to last as many as 25 or 30 years, mistakes made early on can be magnified to tragic proportions.

Syndicate content
Website Design For Financial Services Professionals | Copyright 2020 AdvisorWebsites.com. All rights reserved