Income Investors Are Feeling the Squeeze

How Income Investors Can Manage Their Investment Portfolio in Today's Economic Environment

-+*Investors have been finding it increasingly difficult to generate income in their investment portfolios. This is a problem that impacts many people who rely on portfolio income to live on or to supplement the income they receive from other sources, such as social security and pensions. When interest rates are higher, options for investment income are… Read More


The Decline of Pensions Leads to Greater Reliance on IRAs and 401(k)s

Pension Plan

-+*Over the last several decades, there’s been a gradual decline of pension plan availability in the United States. There was a time when people worked longer and collected less in overall pension benefits due to shorter life expectancies. Pension benefits paid over 5 or 10 years to a loyal employee who put in 30 years of service didn’t… Read More


How Am I Doing? An 8-Point Financial Checklist

investment-performance

Geoff Considine

-+*A question that nags at many people is whether they are on track financially.  Even an average financial life can seem remarkably complex.  How does anyone know whether he or she is doing the right things?  A range of studies on how people manage their money suggests that many, if not the majority, are making… Read More


How Much Do You Need to Save for Retirement?

Geoff Considine

-+*In the financial advisory business, one of the most pressing and controversial topics is how much money people need to save during their working years in order to provide for long-term retirement income.  The research on this topic has evolved quite a lot in recent years, and a recent issue of Money magazine features a… Read More


Financial Literacy: State of the Union in 2013

Geoff Considine

-+*April is financial literacy month.  I believe that lack of financial knowledge is one of the most critical problems that our country faces. It is well understood that someone who is illiterate in the traditional sense (reading, writing) is severely handicapped in terms of work and opportunities available to them.  The person who cannot read… Read More


Target Date Strategies Over The Last Five Years

Geoff Considine

-+*The intent of target date strategies is to provide investors with fully-diversified portfolios that evolve appropriately as investors age.  Target date funds have enjoyed enormous growth over recent years, not least because the Pension Protection Act of 2006 allows employers to direct retirement plan participants into these funds as the default investment option.  Consultancy Casey… Read More


Sector Watch: Municipal Bonds

Geoff Considine

-+*Municipal bonds are issued by states and municipalities and typically have tax advantages relative to other fixed income assets.  In general, income from muni bonds is tax exempt at the federal level and at the state level for investors living in the issuing state.  Municipal bonds have historically been favored by investors in high tax… Read More


Saving and Investing for Retirement: Part One

Geoff Considine

-+*We Are In Trouble: Part One of Our Special Five-Part Series As the presidential election season of 2012 has gotten underway, there is a massive issue that has gotten very little attention: how Americans will sustain themselves in retirement.  In 2010, there were 40 million Americans over the age of 65.  By 2030, that number… Read More


Investors’ 10 Most Common Behavioral Biases

Robert P. Seawright

-+*Barry Ritholz (of The Big Picture and a Sunday Business columnist at The Washington Post) recently contributed Investors’ 10 most common mistakes to The Washington Post Business Section quarterly investing section. It’s a commentary that he has been working on for a while — the ten topics are listed with links to longer discussions of each common mistake here. I created my… Read More


What is Your Pension Really Worth?

Lauren Tivnan

-+*Last week, we posted an article from Michael Lewitt, Vice President and Portfolio Manager at Cumberland Advisors called “The Pension Dilemma” that talked about how America’s largest pension fund, the California Public Employees Retirement Systems (CALPERS) reported an abysmal 1% return on its investments for the past year (ending June 30, 2012). CALPERS has been… Read More