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Mailbag: How Should I Invest a Roth IRA that My Children Will Inherit?
on April 6, 2012
with No Comments
Should it be invested aggressively, like 100% equities, or use the same split as my taxable investments, such as 50-50 stocks vs bonds?
Buffett is Winning $1M Wager with Hedge Funds
on April 5, 2012
with No Comments
Buffett estimates that he has a 60% chance of winning. This is in line with statistics suggesting that low cost funds beat high cost funds more than half the time.
Burton Malkiel Picks Bonds as ‘Worst Asset Class for Investors’
on April 4, 2012
with No Comments
Even if the overall inflation rate is only 2.25% in the next 10 years, an investor who holds a 10-year Treasury until maturity will realize a zero real return after inflation.
Double-Taxed Dividends: Going Up
on April 3, 2012
with 2 Comments
The qualified dividend tax rate is currently at a maximum of 15%, as are capital gains. Starting January 1, 2013, dividend tax rates will go up to the investor’s ordinary income rate.
Value: The Third Factor of Investing
on April 2, 2012
with No Comments
A stock’s valuation is measured on a continuum from “value” to “growth” In broad strokes, value stocks are cheap and growth stocks are expensive.
How Do I Allocate Investments with Capital Gains Among Taxable and Traditional IRA Accounts?
on March 30, 2012
with No Comments
There is a distinction between existing high capital gains exposure in a mutual fund verses future capital gains you expose yourself to.
Before You Say “I Do”: Money & Marriage Exercise 5
on March 29, 2012
with No Comments
My wife and I have six of our eight grandparents who are living well into their 80s and 90s.
Safeguarding Your Money
on March 28, 2012
with No Comments
Given all the greed and deceit in the world of financial services you shouldn’t have to trust your financial advisor. Here is a list of eight safeguards that should be in place to help safeguard your money.
Before You Say “I Do”: Money & Marriage Exercise 4
on March 27, 2012
with No Comments
Many people turn to religion when defining these shared values.
Size: The Second Factor of Investing
on March 26, 2012
with 2 Comments
The second factor of investing is size as measured by a stock’s total capitalization. Over time small cap will outperform large cap even after factoring out measurements of volatility.
Before You Say “I Do”: Money & Marriage
on March 24, 2012
with No Comments
Couples that fail to prepare for a shared money maturity will likely experience longer and sharper growing pains. Here are several things to talk about before tying the knot.
Reconciling Couples’ Money Differences
on March 23, 2012
with No Comments
Many couples have significant issues about money. Many people’s beliefs are holding them back from enjoying life to its fullest potential. Make sure someone asks you the right questions.
Before You Say “I Do”: Money & Marriage Exercise 3
on March 22, 2012
with No Comments
I highly recommend that you plan to live on one salary for the first several years. This is a challenge that too few couples accept.
Social Security Planning from the 2012 January / February issue of Planning Perspectives
on March 21, 2012
with No Comments
“Deciding when to take Social Security benefits is critically important to maximizing long-term benefits. Benefits may be claimed as early as age 62, or as late as 70.”
Before You Say “I Do”: Money & Marriage Exercise 2
on March 20, 2012
with No Comments
Begin by reflecting on this question: “Imagine you are financially secure, that you have enough money to take care of your needs, now and in the future.