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How to Avoid Getting Ripped Off By Your 401(k) Plan

Date08 Apr 2014

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Approximately 51 million Americans have invested an estimated $3.5 trillion in 401(k) plans, according to the Investment Company Institute. If you’re one of them, you’re probably being ripped off, big time. How? Your plan likely includes a dizzying array of investment choices. These options are dominated by funds that have high management fees and are actively managed,...

“Learning” From Timothy Sykes

Date08 Apr 2014

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Timothy Sykes is offering you an opportunity to make big bucks. According to his website, he turned $12,415 into more than $3.7 million by trading penny stocks. He represents the following “verified” returns: 2014 (year to date): 90 percent 2013: 66 percent 2012: 38 percent 2011: 54 percent 2010: 57 percent Mr. Sykes sells a trading system...

Allocating Your Most Valuable Asset — You

Date08 Apr 2014

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What is your most valuable asset? Your home? Not likely, even back in 2006. Your 401(k)? Doubtful, even when it was 2007. No, if you’re not yet glimpsing your retirement years, it’s likely that your biggest asset is you—and not just metaphorically. Let’s say you’re only 30, with a degree or two and some experience...

What you don’t know about Social Security can hurt your retirement

Date08 Apr 2014

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As more of the burden of generating income in retirement falls on the shoulders of retirees—and not the companies who signed their paychecks throughout their careers, in the form of corporate pensions—it’s become increasingly important for retirees to understand the role that Social Securitywill and will not play. Here are some points you may not be...

React to the Reality, Not the Image of It

Date08 Apr 2014

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Years ago, a friend came home with a new, top-of-the-line road bike. My first thought: How can he afford that? It seemed like such a big purchase based on what I thought I knew. We lived in the same neighborhood, were close to the same age and both had young families. His life looked a...

Asset Allocation Guide: Value vs. growth

Date31 Mar 2014

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The asset allocation process is somewhat like a Russian nesting doll. What appears as a sole, simple object actually comprises a great deal. Like each doll, one after the next, a portfolio consists of detailed, intricate workings. We’ve already seen this in earlier articles in our asset allocation series, where we covered some essentials, namely,...

Asset Allocation Guide: Small-cap vs. large-cap

Date31 Mar 2014

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We’re getting closer to the finish line in our series of articles concerning asset allocation. So far, we’ve covered how to analyze your ability, willingness and needto take risk — and what do when one or more of those factors conflict. Then we moved to the equity portion of your portfolio, starting with a discussion aboutdomestic vs. international stocks. Then...

Socially Responsible Investing And The Price Of Sin

Date31 Mar 2014

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Summary Socially responsible investing encompasses many personal beliefs, not just one set of values. Some investors don’t wish to invest in the “sin stocks” of companies whose products go against their morals. By avoiding the “sin stocks,” some investors may be accepting more risk than they realize because they’re not fully diversified across industries. Socially...

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