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Yes, you can time the market. The S&P 500 benchmark provided an admittedly handsome 27.76 percent annual return in 2009. However, if you invested in a diversified index mutual fund when the market was at its low point in March more than when it recovered towards the end of the year, you probably beat the market. ... Continue reading this article…
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Earlier this year, I added my investment portfolio to the group of reports I publish on Consumerism Commentary on a regular basis. Every three months, I share my investment balances and performances. I include Quicken’s calculation of the year-to-date average annual rate of return for an idea of how each investment is performing this year. I ... Continue reading this article…
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Happy Independence Day to anyone celebrating today! I’m celebrating by spending time with friends later and sharing my investment portfolio with readers now. Last month, I began sharing my investment portfolio more in-depth than I have in the past. This is part of a renewed effort to make myself more familiar with the investments I have ... Continue reading this article…
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A recent question-and-answer article from Money Magazine illustrates the problem with timing the market. While making money in the stock market is as “simple” as buying low and selling high, emotional reactions to the market often prevent that from being a feasible strategy. The question comes from an individual close to retirement, Heidi. She lost ... Continue reading this article…
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Last year, hundreds of hedge funds, special mutual funds generally open to wealthy investors which specialize in alternative investments like derivatives, shut down due to the economic crisis. Three of the ten largest hedge funds to close were funds that invested exclusively or almost exclusively in Bernard Madoff’s Ponzi scheme, leaving investors with nothing. ... Continue reading this article…
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I don’t want to belittle the condition of the economy currently. Someone who is close to retirement may have just lost a significant portion of their intended source of income if invested solely in stocks. If you listen to the media and politicians, you might get the impression that the American public is “freaking ... Continue reading this article…
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The New York Post presented an article about David Shorr, a shareholder of Lehman Brothers, who lost $6 million as the company filed for bankruptcy. David spent many years as an employee of Lehman Brothers, building up compensation in the form of stocks which are now worthless. “What the hell was he thinking?” asked Shorr, who ... Continue reading this article…
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It’s very tempting to quickly peek at your investments to see if they’ve gone up or down in the past twenty-four hours. The same technology that makes our lives so much easier, computer software, can drive us insane. It takes almost no effort to log into my company’s 401(k) website. When I’m ... Continue reading this article…
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About the author: The following is a guest article written by Kevin from No Debt Plan. He writes to help readers eliminate debt, learn how to budget and save, and move themselves towards financial freedom. The first investment we made in one of our Roth IRAs was in a Vanguard Target Retirement fund. Generally target ... Continue reading this article…
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Consider a hypothetical popular financial adviser with $30 million in investable assets. Her (or his) primary clients may average $500,000 of liquid reserves ready to be directed in any manner as instructed. The typical advice these clients may receive likely involve investing mostly in equities through stock index funds. They have low ... Continue reading this article…
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Money Magazine is recommending that those wishing to build their net worth over a long period of time simplify matters by putting all their eggs into seven baskets in the form of mutual funds. 1. Fidelity Spartan 500 Index (FSMKX). This fund’s total expense ratio is a minuscule 0.10 percent. It tracks the S&P 500 ... Continue reading this article…
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Right now, I’m listening to the album, Raising Sand, by Robert Plant and Alison Krauss, released last year. Robert Plant will be 60 years old in August. I imagine he’s not thinking about retirement and we’ll continue to hear new music from him until he finally keels over. Unless you are one ... Continue reading this article…
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If you’re 45 years old right now and working, perhaps you’re starting to consider when and how you’d like to retire. Kiplinger’s Personal Finance magazine has some suggestions if retiring with $1 million is art of that game plan. Keep in mind the role inflation plays; $1 million is a good goal, but ... Continue reading this article…
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Kiplinger’s Personal Finance Magazine has some suggestions for saving a million dollars regardless of your age. The only catch is that it’s going to take several decades to get to that point. The passing time has a detrimental effect, however. Inflation will eat away at your purchasing power so $1,000,000 thirty years ... Continue reading this article…
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Employees who do not specifically choose to do anything with the retirement plans offered by their employer are being targeted by the Labor Department. Under new rules, individuals who do not make their own choice will be automatically placed into 401(k) plans in which their investments will be allocated in a mix of stocks ... Continue reading this article…
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On Monday I began debunking retirement myths with the help of Money Magazine with the first seven of 13. Today I’m presenting the remaining 6 common errors in thinking. Myth #8: Your house can finance retirement. I’ve said this before — your house is not a retirement plan. Real estate investments are another matter; ... Continue reading this article…
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