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Sell In May? Please Go Away!
Starting from childhood, most people have a real, enduring fondness for simple rhymes. They stick in our heads for years and years — who among us couldn’t sing just about any nursery rhyme we learned...
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How to Invest Your Tax Refund
Congratulations – you’ve just received a large check from Uncle Sam. You’ve decided that rather than spending your tax refund on new clothes or a vacation, you’d like to invest this money, instead....
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Investing Advice My Dad Should Have Told Me
A graduation cap is sailing into the air. Maybe you’re watching your children, siblings, or nieces and nephews graduate. Maybe you’re finishing graduate school yourself. Regardless: You wonder what...
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How Diversification Could Mean More Money For Your Retirement
These are happy days for stock market investors. The S&P 500 and the Dow Jones Industrial Average continue to set all-time highs. Volatility is staying low by historical standards. From 2009 to...
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How To Have $100,000 Per Year In Retirement
Good news: We’re living longer. Progress in medicine and science is wonderful, but it means that we need to be more serious about retirement planning. Even if we retire at the “traditional” age of 65...
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5 Steps to Give Yourself Financial Independence
What does it mean to be “financially independent”? The answer is personal: it depends on your dream lifestyle. One persons discretionary indulgence is anothers “must-have.” In fact, some people...
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5 Steps to Help You Reach Your Retirement Goal
There’s no “silver bullet” for successful retirement planning. Reaching your retirement goal depends on many things. You can’t control how the stock and bond markets will behave between now and your...
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How To Manage Your Finances While On Vacation
Summertime is here. The 4th of July holiday weekend just passed, and the long, warm months of July and August stretch before us. If you’re not already on vacation, chances are that you have something...
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5 Tips to Help You Catch Up On Your Retirement Savings
The easiest path to a successful retirement is getting an early start. But let’s face it: We can’t change the past. There are plenty of us who woke up one day and realized that retirement is...
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Helping Workers Bridge the 401(k) Knowledge Gap
It’s a complaint heard all across the country, in businesses large and small: “I’m not an investment expert,” employees say, “yet I am responsible for planning my retirement.” There’s a “knowledge...
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6 Investing Mistakes You Should Avoid
“You have to spend money to make money.” “There’s no reward without risk.” “Everyone’s buying Apple these days.” Sure, there’s some wisdom in popular cliches — but there are errors in cliches, as...
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Save for Retirement Without Skipping Vacations
The retirement problem is real. Working Americans are saving far less than they should be in order to retire comfortably: about $6.6 trillion less, according to recent survey by Boston College’s...
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How to Invest a Lump Sum
Congratulations – you’ve just received a lump sum. Perhaps you received a huge commission check, a bonus, a gift or an inheritance. Or maybe you’ve been absentmindedly saving for awhile, and now your...
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What To Know If You’re Setting Up a New 401(k) Plan
Are you a brand-new small business owner? Did your company recently grow from one employee to multiple people? If so, there’s a good chance you have not yet set up a defined-contribution retirement...
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Why You Should Ignore Fund Manager Ratings
Does this phrase look familiar? “Past performance is not a reliable indicator of future returns.” Most investors probably recognize this line. Mutual funds that are registered with the U.S. Securities...
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How Even Good Habits Can Lead to Bad Investment Decisions
In 1989, an educator named Steven Covey wrote a book called “The Seven Habits of Highly Effective People” that became acclaimed as one of the most influential books of the 20th century. As the book’s...
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Why Your 401(k) Plan Needs More Than Target Date Funds
“Target date funds are taking over.” So says a recent article in Barron’s magazine, which then goes on to note that this asset class has grown from $160 billion to $670 billion from the end of 2008 to...
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Are You Good at Predicting the Stock Market?
Are you a better driver than most people? Do you solve crossword puzzles faster? How about your talent for predicting the stock market—better than average? If you answered “yes” to any of these...
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How to Determine Your Risk Tolerance
People always say you should split your investments among equities (such as stocks) and fixed-income (such as bonds) relative to your age and risk tolerance. There’s no question when it comes to the...
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How to Offer a Great 401K Plan Without Breaking the Bank
According to a recent study by SurePayroll, over 70% of small businesses don’t offer their employees a 401K plan. Many cite prohibitive administration costs, overhead and fees as the reason why. If...
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