AdviceIQ Articles

  • Investing Trends to Dislike

    I’m uncomfortable about a number of issues now affecting financial consumers. Here are a few that possibly concern your very own investments – and future.

    Target date funds (TDFs) insufficiently researched. A target date mutual fund contains a mixture of stocks, bonds and cash equivalents, rebalanced to reduce the number of risky assets as you age toward retirement.

  • Curbing Interest Rate Shock

    What are the best bond investing strategies for retirees amid rising interest rates? There are two. I like to call them the “stuff in between” strategies, because they fall between bonds (whose values are vulnerable to rates increases) and stocks (usually not affected).

    As the economy gradually recovers, the Federal Reserve keeps hinting at increasing rates. While higher rates are not a bad thing for retirees who invest primarily in bonds, traveling into that territory can be treacherous, and calls for some careful planning.

  • Ready to Buy First Home?

    Owning your home is fantastic — if you are financially ready. Here’s a quick checklist to help you determine if you can afford to be a home owner.

    The first home purchase is not only a major life milestone, but it’s also a big financial commitment, a decision you should not take lightly. There’s a lot more to buying a house than just the price of it. Other items to factor in include mortgage origination fees, closing costs, interest, homeowner’s insurance and property taxes, which can fluctuate depending on the yearly assessed value of your property.

  • Stewardship and Your Money

    What traits of the wealthy make them good at managing money? That question assumes a direct correlation between your wealth and your skill at managing that wealth. Wrong idea.

    Better to ask, “What are the traits of someone who is a good steward of wealth?”

  • The Real Interest Rate Worry

    Should we fear rising interest rates? Even the thought of them throws the stock market into a spin. The real problem with climbing rates, though, is that they will make servicing the out-of-control federal debt even more expensive.

    For most investors, the focus is on what damage higher rates may inflict on stocks. There has been much market panic of late over the possibility that the Federal Reserve will raise rates sometime in the not-too-distant future.

  • Planning for Complex Estates

    Our first article looked at the documents you need to pass on your estate. Here’s a look at the professionals whose help you might also need and the special trusts used to whittle the tax bill of complex estates.

  • College Search DIY

    A college search is a journey of discovery for your kids. Hiring a private college counselor deprives them of that, and costs you money that should go toward education savings. Work with your child using this do-it-yourself guide on finding an ideal college.

  • What Great Rotation?

    The epic bond rally that began in the early 1980s seems about to end, as the Federal Reserve eyes raising interest rates. So investors keep hearing about a so-called Great Rotation out of bonds into stocks. Well, it’s not happening, due to lingering leeriness about equities after the horrendous market slide that the financial crisis created – memories that this month’s slide have reinforced.

  • Managing Marriage & Money

    One set of financial goals is hard enough to manage. Two sets can seem impossible until you learn how to merge finances with your spouse – and how to keep some assets separate.

    Coming together with your spouse for big-picture costs – homes, a college education – is probably easier if you share financial goals and values. Some couples match up from the start; other couples grow into such simpatico. (Amazingly, some couples succeed in planning despite having many different goals and values.)

  • Readying Estate Documents

    Death and taxes: Probably you rarely want to discuss either. This first of two articles looks at how what documents help account for both certainties, though, when planning your estate.

    Estate planning involves arranging the transfer of your assets after you die, in line with your goals and wishes. The latter usually include reducing taxes and other expenses, maximizing wealth flow to your survivors and descendants and providing for charity.

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