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Why Have an Asset Allocation Strategy?
Your asset allocation strategy represents your personal decisions about how much of your portfolio to allocate to various investment categories, such as stocks, bonds, cash, and other alternatives. When stock market returns were above...
Read MoreLong-Term Portfolio Management
Are you an investor or a trader? If you’re a trader, looking to build your wealth through a long series of profitable short-term transactions, then knowing what the indicators are showing month-to-month can be critical to your...
Read MoreDo You Really Need 70%?
A general retirement planning rule of thumb indicates that you’ll need 70% to 80% of your preretirement income. Many estimates now indicate that may be too little for those who want to live an active retirement lifestyle. But...
Read MoreStaggered Retirements
Often, spouses don’t retire at the same time. Frequently, one spouse may retire before the other due to health problems or a layoff, not necessarily because the spouse chooses to retire early. No matter what the reason, keep...
Read MoreObjectives Help Focus Investing
On a broad basis, there are a few main investment objectives to help you accomplish your goals. Understanding these objectives is important because certain investment strategies and products are appropriate for one type of goal but...
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Bond Price Fluctuations
There are two primary factors that affect bond prices — interest rate changes and credit rating changes. Interest rate changes typically will cause a bond’s value to fluctuate more than credit rating changes. As interest...
Read MoreWhat To Do When Your Budget Isn't Working
If you find that you’re not living within your budget every month, it’s time to take a step back to understand why. The following questions can help you find the issues that may be wreaking havoc on your budget and figure...
Read MoreWhen to Use Tax-Advantaged Accounts
Tax-advantaged savings plans, like 401(k) plans and individual retirement accounts (IRAs), help your money grow faster than taxable investments, but they’re not always the right place for all of your savings. Here is a rundown on...
Read MoreActive vs. Passive Bond Investing
A great many investors are aware of only one way to manage their bonds: buy them and hold them until they mature, reinvesting the redeemed funds in more bonds to hold until they mature. Not surprisingly, this is called a buy-and-hold...
Read MoreThe Basics of the SECURE Act
Signed into law by President Trump on December 20, 2019, the Setting Every Community Up for Retirement Enhancement Act, also known as the SECURE Act, is intended to increase access to tax-advantaged retirement accounts, helping older...
Read MorePlanning Year Round
Many people confuse tax planning with tax preparation and only think about it when preparing their annual tax return. However, there is little you can do to actually lower your tax bill when preparing your return. If your goal is to...
Read MoreFinancial Rules of Thumb
Financial rules of thumb are designed to provide quick guidelines for your finances. However, you shouldn’t blindly follow them without giving thought to your personal circumstances. Some of the more common financial rules of...
Read MoreFinding a Balance between Risk and Return
One of the most basic investment principles is that returns reward you for the risks that you take. While investors are often uncomfortable with the concept of risk, it is this uncertainty that makes higher rates of return possible....
Read MoreManaging Your Nest Egg after Retirement
You may think that after retirement you can sit back and stop worrying about money…after all, you scrimped and saved for decades. You’re comfortable with what you’ve put away and now it’s time to relax....
Read More4 Reasons for Goal-Focused Investing
The fact is, investing isn’t just about making your money work for you. It’s about making your money work for you for a particular purpose. In other words, you need a goal. Here are four specific reasons why a goal-focused...
Read MoreYour Retirement Portfolio and Bonds
Of the three main asset classes, bonds often appear the least exciting. Perhaps the combination of their stable and seemingly turtle-paced growth decreases their likelihood of crossing investors’ minds when it comes to any goal,...
Read MoreAvoid These Investor Mistakes
Avoid these common investor mistakes when making investment portfolio decisions: Chasing performance. Investors often pull out of sectors that are not performing well, moving that money to high performing investments. But the market is...
Read MoreHow to Raise Financially Responsible Children
Although you’ll have to wait a good while before they’ll thank you for it, teaching your children to be financially responsible is one of the best gifts you can give them. Of course, the earlier they start to learn about...
Read MoreYour Risk Tolerance and Retirement
To gain a better understanding of how we’re affected by risk when building a retirement portfolio, it’s important to learn about risk tolerance and what it means for you as an investor. What Is Risk Tolerance? Risk...
Read MoreMarket Timing vs. Buy and Hold
Market timing involves making market buy and sell decisions based on your prediction of the future performance of the market. A buy-and-hold investment strategy, in contrast, involves buying in to the market on a regular basis and...
Read MoreQuick Math
Don’t have a calculator handy, but need a quick answer to a financial question? Here are three shortcuts: How long will it take to double your money? Divide 72 by your annual investment return. If you are earning 8% annually on...
Read MoreFinancial Management for College Students
You’re off to college. It’s an exciting time filled with firsts — the first time living away from home, the first time you’re on your own for meals and laundry, and the first time you have to manage your own...
Read MoreRetirement Planning for Stay-at-Home Parents
Millions of Americans are stay-at-home parents. While they may not get paid a regular salary, they perform vital work caring for children and managing the household. Unfortunately, since this work doesn’t come with a paycheck, it...
Read MoreDow Theory: Curbing Emotional Investing
In addition to starting the company that publishes The Wall Street Journal, Charles Dow (1851–1902) also lent his name to one of the most popular U.S. stock market indexes (the Dow Jones Industrial Average) and created a theory...
Read MoreEncourage the Importance of Saving
Though it’s typical for parents to underscore the value of a college education from the time their children are in grade school, what’s more commonly overlooked are the benefits of encouraging them to save for their...
Read More4 Reasons to Invest in Bonds
Bonds have a reputation as safe, stable investments. But writing off bonds as boring investments best for the risk-averse could be a mistake. While it’s true that investing in bonds tends to lack the dramatic highs (and the lows)...
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