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T-Share Class Mutual Funds Are Not “Fiduciary-Friendly”
on March 21, 2017
with No Comments
Less gouging doesn’t make T-shares meet the high principles-based fiduciary standard.
RMD Mistake: Missing a Spousal Rollover
on March 15, 2017
with No Comments
When a spouse inherits retirement account assets, they have the right to do what is called a “Spousal Rollover” or “Spousal Transfer.” It is almost always the right option.
Invest Your Health Savings Account For Appreciation
on March 14, 2017
with No Comments
HSAs have so many advantages over traditional IRAs that you should continue funding your HSA as long as possible and build as large an HSA investment balance as you can.
RMD Mistake: Not Using the Joint Divisor
on March 8, 2017
with No Comments
If you are a mixed-decade couple, take advantage of the Joint divisor by making your spouse your primary and sole beneficiary for your IRA and use the Joint Life and Last Survivor Expectancy Table to find your RMD.
Radio: What’s the Difference Between Obstruction and Resistance?
on March 7, 2017
with No Comments
David John Marotta was interviewed on the radio 1070’s Schilling Show discussing the difference between obstruction and resistance.
Commission-Based Firms Admit They Don’t Provide Advice
on March 1, 2017
with No Comments
Commission-based firms want either to be exempt from the Fiduciary standard or else given the title anyway.
Are Democrats Or Republicans Better For The Stock Market?
on February 28, 2017
with No Comments
Politics matters less to our financial success than the ordinary decisions we face every day.
Marotta’s 2017 Gone-Fishing Portfolios
on February 22, 2017
with No Comments
A gone fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year. Here are three hand-crafted gone-fishing portfolios for 2017.
Marotta’s 2017 Gone-Fishing Portfolio Calculator
on February 22, 2017
with No Comments
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation. This year I limited myself to 13 investment vehicles with two changes from 2016’s calculator.
Marotta’s 2017 Vanguard Gone-Fishing Portfolio Calculator
on February 22, 2017
with No Comments
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation. This portfolio uses all Vanguard mutual funds.
Marotta’s 2017 Schwab Gone-Fishing Portfolio
on February 22, 2017
with No Comments
A gone-fishing portfolio has a limited number of investments with a balanced asset allocation. This portfolio uses all Schwab no-transaction fee exchange traded funds.
US Large-Cap Exchange-Traded Fund Choices
on February 22, 2017
with No Comments
In anticipation of adjusting our yearly gone-fishing portfolios, I reviewed the performance of five US large-cap Exchange-Traded Funds (ETFs).
RMD Mistake: Failing to Take Your RMD
on February 15, 2017
with No Comments
The key to getting the waiver though is showing that “you are taking reasonable steps to remedy the shortfall.”
Bond Investing In 2016
on February 14, 2017
with No Comments
Bonds had positive returns for the year despite returns peaking at the end of July and falling for the rest of the year.
RMD Mistake: Depositing to Your Checking Account
on February 8, 2017
with No Comments
Although legally fine, this strategy often causes you to accidentally increase your spending every year and decrease your savings. Don’t let the IRS rules about IRA withdrawals tempt you into spending money you had planned to save.