AdviceIQ Articles

  • Why Use Money Funds at All?

    Money market funds are a zombie investment. So why does anyone invest in these funds – one of the most important tools for savers over the past several decades, and now essentially among the walking dead? Because, despite their tiny interest payments and many other disadvantages, money funds seem relatively safe.

  • Young and Burdened by Debt

    Today’s college grads carry unprecedented amounts of debt. How should they deal with it? Here are some strategies.

    The problem sneaks up on many young borrowers. Wall Street Journal reporter Veronica Dahger, moderator of a panel of advisors, noted that a lot college grads will wake up to discover that they are burdened by an “overwhelming amount of debt.”

  • $ To-Do List for Rest of 2014

    With most of this year suddenly behind us, plenty of financial chores remain for you in 2014. Here are eight to-do items for your list.

    1. Review your 401(k). With the Standard & Poor’s 500 and other market indexes at or near all-time highs, revisit your 401(k) asset allocation and, if needed, rebalance. Why not take this chance to activate the auto-rebalance feature if your plan offers one?

  • The Fed’s Bafflegab

    Obfuscation is an art form in which the Federal Reserve excels.  Our nation’s central bank follows a few simple rules:

  • The Rich and Their Advisors

    Rich people have different problems. For the more affluent, the financial planning process is more complicated. That’s why this clientele often turns to a team of professionals.

    But there typically is one central advisors to play quarterback, coordinating the efforts of such experts as accountants, real estate attorneys, estate planning attorneys, said Stephen Stabile, senior vice president and wealth management advisor at Merrill Lynch, in an advisor panel.

  • The 401(k) Ignorance Factor

    Too many Americans don’t understand how their 401(k) plans work, and how to take full advantage of this excellent retirement savings vehicle. Such neglect is very harmful to their long-term well-being.

  • Obama Tax Flight Plan: Doomed

    Tax inversions – relocating a U.S. company’s headquarters to a lower-tax nation – are an attractive prospect for American shareholders. But President Barack Obama’s move to block them is doomed because the government has a bad track record in legal tax disputes. Plus, his plan likely would backfire, spurring more foreign takeovers of U.S. companies.

  • The Future of Financial Advice

    Financial planning looms in everyone’s life, including yours. Not all money advisors are created equal, though. Does yours do the best job for you – and how can you contribute to making your own plan?

    “Is your advisor asking you, the investor, the right questions? Is the investor asking the right questions of the advisor?” said Jeffrey Vivacqua, senior vice president of business strategy at the Fairfield, Iowa-based broker-dealer Cambridge Investment Research, speaking at a recent advisory panel.

  • Use IRA $$ for Annuities?

    For forever and a day, conventional planning wisdom said don’t use your individual retirement account funds to buy an annuity, primarily because traditional annuities featured tax deferral. Recent changes in annuities may alter this conventional wisdom.

  • The ECB’s Useless Stimulus

    The European Central Bank is trying to stimulate the continent’s sagging economy. Judging by the Federal Reserve’s fruitless efforts to perform such a miracle on the U.S. economy, the ECB is wasting its time.

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