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#TBT The History of Mutual Funds
on November 2, 2017
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93 years ago there was only one mutual fund. Today, there are thousands. This 2003 article tells the story of how this staple of the financial services world got its start.
The Lost Case for SALT: State and Local Tax Deduction
on November 1, 2017
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In “The state and local tax deduction, explained” by Dylan Matthews at VOX, he does not mention the reason the state and local tax deduction was created when listing the pros and cons.
Beware the Two-Pocket Theory of Money
on October 31, 2017
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If you budget well according to your values, a one-pocket theory of money enriches your life, prioritizing your financial dreams above your impulses.
What Is The Sharpe Ratio?
on October 30, 2017
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At best, the Sharpe Ratio is a single hard coded straight-line preference curve, and the portfolio with the highest Sharpe Ratio is not necessarily the one which will give you the best chance of meeting your goals.
What Is A “Risk-Free” Guaranteed Investment Return?
on October 27, 2017
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There is no such thing as a risk-free, guaranteed investment. Everything has risks.
Did Obamacare Impoverish Employee’s Retirement Benefits?
on October 24, 2017
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Employers are paying more in benefits, but with the increase in health care costs there is less for retirement contributions.
Understanding the 5-Year Holding Period, Roth Conversions, and Exceptions
on October 20, 2017
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To avoid the 10% penalty, do I have to satisfy the 5-year holding period for my Roth conversions if I’m over age 59 1/2? The IRS is not very clear when it comes to when you need to pay penalties on Roth IRA withdrawals, but I think I know the answer.
TD Ameritrade Eliminated Low Cost Commission Free Exchange Traded Funds
on October 19, 2017
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TD Ameritrade has received a large number of complaints. But apparently not enough to change their decision. If you have a TD Ameritrade account perhaps your call will help them change their minds.
Marotta’s 2018 TD Ameritrade Gone-Fishing Portfolio Calculator
on October 19, 2017
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This portfolio uses all TD Ameritrade no-transaction fee exchange-traded funds.
Talking Politics With Clients
on October 17, 2017
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InvestmentNews advocates lying to clients, but I think if your advisor doesn’t have integrity, you can stop there and find a new advisor.
Radio: Getting Your Finances in Order
on October 16, 2017
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David John Marotta was interviewed on Radio 1070’s Schilling Show discussing getting your finances in order.
The Route from Wealth to Well-Being
on October 10, 2017
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We don’t write a lot about how to spend money, but an international study published this year claims to have found the route from wealth to well-being through spending money.
Navigating Your Employer Retirement Plan Fund Choices
on October 9, 2017
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Since your employer’s plan usually has the most limited number of choices, pick the best it has to offer that fits with in your over all plan.
Choosing Between Your Employee Retirement Account Options
on October 4, 2017
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Putting all of your retirement eggs in one basket is easy to carry, but risky. Fund your employer’s plan with no more than is necessary to get the match and then fund your Roth IRA and build your taxable savings.
An Artistic Opportunity to Meet with Marotta
on October 3, 2017
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As a dedicated reader of our blog, we would love to get to meet you this Monday, October 9, 2017.