When it comes to structuring a tax-efficient investment portfolio, we believe it is important to consider “asset location.” That is—which types of investments should be held in which accounts?
Even with the backdrop of many unresolved problems, the financial markets continued strong performance in 2012. Many of the major domestic stock indexes experienced returns in excess of 10% for the year, with the S&P 500 advancing by 16%.
Contribution limits to IRAs and other employer-sponsored retirement plans have changed for 2013. Here are the most recent deferral limitations:
The News & Observer recently interviewed Chip Hymiller, CFP® to ask his opinion about the Fiscal Cliff and what it could mean for investors. Click here to read his response.
Do you want to take control of your finances? If so, find out what you need to do now to begin making progress toward your financial goals.
The equity markets seemed to breathe a collective sigh of relief after European Central Bank president, Mario Draghi, declared that he was willing to do “whatever it takes” to keep the Eurozone together.
As investment advisers it is important to have an understanding of the economy and its direction. Here are descriptions of several common economic indicators and what they can tell us about the economy.
Given current interest rates are bonds good long term investments?
How do you track the cost basis on investments held in your taxable portfolio? What portfolio accounting method does your broker, custodian or advisor report to you or your CPA? This is a decision that, for some investors, can save thousands of dollars in taxes and ultimately make a significant difference in a portfolio’s after-tax rate of return.
There are a number of indexes that attempt to measure the performance of the financial markets and serve as a gauge of economic activity. The following are descriptions of several of the most common indexes:
Many investors are confused by the myriad of choices when it comes to mutual fund “share classes.” This article explains key differences in the various mutual fund shares classes.
This whiteboard sketch video from HighTower Advisors is a great video that beautifully illustrates the difference between fiduciary advisors and brokers.
The January to March quarter saw the best three month performance in U.S. stocks since 1998. In fact, the S&P 500 index advanced by nearly 13%, while the Dow advanced almost 9%.
In a prior article, we discussed the importance of maintaining an emergency fund. We offered our insight into how much is appropriate to keep in cash or savings, as well as emergency fund targets. As a result of that article, we were asked the question: “Where can I invest my emergency fund, such that it earns an interest rate that …
Let’s face it, seniors today are healthier, more active and are likely to have longer lives. So what are the financial implications for retirees who will likely live well into their 80s and possibly their 90s? We believe that from a financial standpoint, retirees need to make financial planning decisions that reflect the high probability that they will live longer. Here are a few recommendations to consider.
One of the most important reasons why investors choose to invest in bonds is for their steady and predictable stream of income through interest payments. Though they are not risk-free (e.g., a bond issuer could default on a payment or even fail to repay the principal), bonds as a whole are considered somewhat less risky than stocks.
Vanguard has an interactive tool on their website that allows visitors to compare the results when attempting to time the market based on certain investment rules.
With more than $80 billion invested in exchange traded funds (ETFs), they have become a very popular investment for both retail and institutional investors. While ETFs can be an integral component of a sound investment strategy, investors should understand the tax treatment of these investments in order to avoid unexpected tax consequences.
he financial markets have experienced continued volatility since the end of April. In fact, with stocks having declined in excess of 10%, the markets have officially entered a period of “correction.” Although corrections are normal (and actually healthy for the markets), many investors may be a bit uneasy, especially with the wounds of the “Great Recession” still fresh in everyone’s mind.
Given the turbulence in the financial markets during the week of May 3rd, we would like to provide our blog followers with a few thoughts and insights.