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What Does Clark Howard Really Think of Variable Annuities?
on May 23, 2012
with 13 Comments
“Variable annuities are garbage. They have huge expenses; big fees if you try to bag out before a certain point; and massive tax problems compared to other ways you can invest. But that’s what you’ll probably be steered to by a commissioned insurance salesperson.”
How Does Marital Status Affect Your Federal Taxes?
on May 21, 2012
with No Comments
Laws have always regulated who may marry, the obligations related to marriage and children and whether and how a marriage can be ended. Governments have always put their own social agenda above the pluralism of personal choice.
How Have Emerging Market Equities Performed?
on May 19, 2012
with No Comments
I was on the radio today and someone called in claiming that Vanguard Emerging Market ETF (VWO) had done nothing but go down in value.
Investing in Gold and Silver Coins
on May 18, 2012
with 1 Comment
A large number of people in the United States are worried about our profligate spending and the resulting devaluation of our currency. They are worried about politics and socialism and the economy.
The 85% College Savings Plan
on May 17, 2012
with No Comments
To assess our progress toward funding all three children, I have created age-based benchmarks that I share here.
Mailbag: I’d Like to Withdraw Money from My IRA to Purchase Physical Silver
on May 16, 2012
with No Comments
Precious metals will, on average, just keep up with inflation, but your after tax return would mean you fell behind inflation by the 28% tax you must pay.
Marotta’s 2012 Gone-Fishing Portfolio
on May 14, 2012
with 5 Comments
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility. Its primary appeal is simplicity. As a secondary virtue, it avoids the worst mistakes of the financial services industry.
Marotta’s 2012 Gone-Fishing Portfolio Calculator
on May 13, 2012
with No Comments
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.
When Growth is Relatively Cheap It Will Outperform Value
on May 11, 2012
with No Comments
When growth is relatively cheap it should outperform value.
Last Chance for 0% Capital Gains Rate
on May 10, 2012
with 4 Comments
Most infomercials that begin with such urgency are trying to get you to buy something, but in this case I want you to consider selling.
When Large Cap is Relatively Cheap It Will Outperform Small Cap
on May 9, 2012
with No Comments
Currently large is relatively cheap and small cap is relatively expensive. For that reason, the R1000 or S&P 500 should outperform the R2000 small cap.
Using Dynamic Asset Allocation to Boost Returns
on May 7, 2012
with 1 Comment
Think of static asset allocation as where to set your sails and dynamic asset allocation as a way to keep your balance as your boat glides and sometimes bounces through the waves.
Shiller P/E Implied Market Return
on May 4, 2012
with No Comments
A low P/E 10 bodes well for the next 20 years of investing, whereas a higher P/E 10 suggests a lower expected return.
Social Security Loopholes: “File and Suspend”
on May 3, 2012
with 3 Comments
Many higher earning husbands base their filing date decision based on their own life expectancy, which is a mistake. They should rather be asking the question, “What benefit do I want to leave my wife?”
How Is the Shiller P/E Calculated?
on May 2, 2012
with No Comments
The Shiller P/E ratio is computed by taking the current price and dividing by the average inflation-adjusted earnings from the previous 10 years.