Investing

10 Posts in this category
Posted By: CFP&WM On: Dec 14th, 2009 In: Estate planning Financial planning Investing Retirement planning

Consider Target Date Retirement Funds Carefully

In the last several years, numerous mutual fund companies have developed Target Date Retirement Funds (TDR) that are based on when people plan to retire. The longer away the retirement date, the more aggressive the allocation (more stocks) and it gets more conservative (more cash and bonds) as the retirement date nears.

The idea is that with one fund you

Posted By: CFP&WM On: Dec 4th, 2009 In: Financial planning Investing Retirement planning

Should I Roll My 401K to an IRA?

Ok, you have gone ahead and retired. Now you are wondering, “What should I do with my 401K; leave it where it’s at or convert to an IRA?” Unfortunately, it’s not a simple question to answer. It depends upon the choice of investments as well as the ongoing costs of the 401(k) compared to that of an IRA. Other factors

Posted By: CFP&WM On: Nov 25th, 2009 In: Estate planning Financial planning Investing Retirement planning

NAPFA Presentations are Free and Worthwhile

There is a free offer that everyone should know about. The National Association of Personal Financial Advisors is providing free monthly educational presentations about personal finance to the public.

“The Basics of Investments” is the next presentation and will be on December 4th from 10 to 11 am. Most people have read about stocks and bonds or have heard

Posted By: CFP&WM On: Nov 23rd, 2009 In: Investing

Avoiding Family Conflicts with Your Illness or Death

Conflict and arguing within the family is the last thing anyone wants to have happen. Unfortunately, many people fail to have the proper estate planning documents so at the time of serious illness or death there is uncertainty, which creates discourse and strife from which some families never recover.

Below is a review of the documents you may need to …

Posted By: CFP&WM On: Nov 18th, 2009 In: Financial planning Investing Retirement planning

10 Tips About Buying Annuities

What are Banks, Broker Dealers and local friendly insurance salesman selling to retirees and those near retirement? The answer is Annuities.

The stock market has plummeted and people are worried about losing more. Insurance salesman (could be in a bank, or at a broker dealer) can take advantage of that fear and use it to sell the apparent benefits of …

Posted By: CFP&WM On: Nov 16th, 2009 In: Cash-flow budgeting Financial planning General info Investing Retirement planning

10 Tips for These Difficult Economic Times

The recent economic changes impact everyone and particularly those who are retired. Whether it is a drop in value of your retirement account or a decrease in interest rates at the banks, everyone has noticed.

The question is what can retirees do now to shore up their finances? Some things are fairly obvious, such as delaying a vacation, going …

Posted By: CFP&WM On: Nov 2nd, 2009 In: Investing

Beware of Bogus E-mail to Obtain Personal Data

The use of e-mail is increasing by all groups, including retirees. Unfortunately criminals are also increasingly turning to e-mail as a means to defraud individuals.

I recently returned to the office after being out of town for three days and checked my e-mail. I found three e-mails that were apparently from Bank of America, Citibank and PayPal, all indicating that …

Posted By: CFP&WM On: Sep 2nd, 2009 In: Financial planning Investing Retirement planning

Understanding Your Investment Costs

In this low interest rate environment and with the stock market having tanked, saving a dollar can be easier than making one. Depending upon the size of your portfolio, cutting your investment costs could save you a bundle.

One client recently said, “What investment cost? I don’t pay any costs.” What he meant was that he did not know he …

Posted By: CFP&WM On: Jul 8th, 2009 In: Financial planning General info Investing Retirement planning

NAPFA Launches Consumer Education Series to Help Americans Better Understand Personal Financial Issues

The National Association of Personal Financial Advisors (NAPFA), the country’s leading professional association of Fee-Only financial advisors, is gearing up to further educate people on a variety of topics in an effort to help Americans become educated consumers of financial planning advice and products.

The Consumer Webinar Series is a year-long initiative beginning August 7, 2009 that will provide an

Posted By: CFP&WM On: Jul 8th, 2009 In: General info Investing My soap box

Research Confirms: Now is a Time to be Investing

Recent research shows that investors who begin investing during bear markets do better over the long run than investors who begin in bull markets.  T. Rowe looked at four different thirty-year periods, two of which that started with bear markets (1929 and 1970) and two that began with bull markets (1950 and 1979). They looked at the difference in the