No matter how careful and diligent you are with your finances, something important will eventually be forgotten. It could be a bill payment, or it could simply be overpaying for an impulse purchase. For me, it was investing for my retirement.
You heard it correctly. I failed to invest in a retirement account [...]
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After deciding how much of your portfolio should be in each asset class (stocks, bonds, commodities, etc.), the next asset allocation decision to make is how much of your portfolio should be invested in your own country’s stock market and how much should be invested abroad.
Weighting by market capitalization
A common sense starting point would be [...]
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There’s one question that I’ve seen asked more times than any other over the last several months: “Should I keep investing in the market given how much it’s going down right now?”
To me, this question suggests a fundamental misunderstanding. The market isn’t “going down.” A more precise way to explain the situation is to say [...]
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The impact of investment costs is never emphasized enough. In order to see how much it affects mutual funds returns, let’s compare a few different domestic stock mutual funds:
Fund A: Vanguard’s Total Stock Market Index charges no sales load and has an annual expense ratio of 0.15%.
Fund B: American Funds’ Investment Company of America charges [...]
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As our economy and stock market tanked over the last several months, talk of inflation seemed to disappear. Instead, people began discussing the possibility (and ramifications) of deflation. Now that the stock market has picked back up–at least for the moment–I’ve heard several people voice concerns about inflation again.
Over an investor’s lifetime, inflation takes a [...]
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This is part one of a guest post series from Monevator, a personal blog that provides money tips and motivation for private investors. You can find:
part two – Ignore Your Portfolio for Months at a Time
part three – Why you Should Invest When the Market is Falling
Stock market volatility scares many people off [...]
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The idea that stocks provide fairly predictable long-term returns is one of those fundamental beliefs upon which practically the entire investment industry is based. Lately however, I’ve seen a lot of people questioning the validity of that assumption.
And I can’t blame them. Having your portfolio decline in value by 40% in one year doesn’t exactly [...]
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This is a guest post from Neal Frankle, CFP, who regularly contributes to this blog on investment subjects.
Eventually the market is going to turn around. Your funds will start going up in value. But my guess is, even then, you’ll find it hard to stay motivated about investing.
The world is going to call you a [...]
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I was speaking to a representative at Wells Fargo today when she pushed their Market Linked Certificate of Deposit (MLCD). To be honest, I knew nothing about it so I did a little research.
How It Works
Basically, Market Linked CDs are like traditional CDs but instead of a fixed interest rate, the CD’s returns can be [...]
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Photo Credits: tsevis
A few months ago, I wondered whether an investment property or a dividend yielding stock is better. The result was an unanimous vote for investing in stocks. Since then, the environment drastically changed as we saw the financial crisis start to unfold and our stock portfolios subsequently losing 40% of its value.
If [...]
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In a matter of weeks, I saw my portfolio erode at a rate that I thought was only possible in months/years instead days/weeks. The other day, I was looking at the disastrous performance of my stock investments through financial statements and asked myself one question: “Did I make a financial mistake by investing in [...]
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With the housing market in one of the biggest slump in decades, I’m contemplating the possibility of buying an investment property. Those who know me will probably think that I’m nuts because I don’t even own a primary residence but let me explain the reasons why I haven’t bought a house in more detail.
Current Living [...]
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I was reading Ben Stein’s article on buying stocks when there is a recession because of the strong long term outlook. Don’t look at 2008 but at 2018 he says. Sure, if I have a positive cash flow every month and absolutely no debt, I can buy stocks when there is a recession [...]
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Fixed.
