Investments in Tax-Advantaged Accounts

Open an IRA, Roth IRA, or 401(k) investment account to take advantage of taxable account benefits.

Tax-advantaged accounts, such as IRAs and 401(k) plans, provide a great way to save for retirement. And if your only investments are in tax-advantaged accounts, then your primary focus should be on diversifying appropriately for your specific goals and risk tolerance. However, if you have assets in both non-tax-advantaged accounts as well as tax-advantaged accounts,… Read More


IRA Contribution Information for 2015

Know the rules and limits of 2015 IRA contributions so you can plan ahead.

The end of 2015 will be here before you know it. It’s time to start planning now for maximizing your IRA contributions. Late last year, the IRS announced its 2015 retirement plan contribution and income limitations.[1]  Some of the income limits for making contributions and taking deductions include cost-of-living increases over 2014, so it’s worth… Read More


Dividend Stocks and Younger Investors

Should younger investors consider dividend stocks for their investment portfolio?

Controversy swirls around whether younger investors can benefit from emphasizing dividend-paying stocks in their portfolios—a practice normally associated with retirees. But evidence suggests that no age is too early to start thinking about income investing. Growth companies—one argument goes—may be more enticing to non-retirees because they can boost returns quickly. These companies are typically young,… Read More


Investors Leading a Low Cost Revolution

Investors are leading a low cost investing revolution by demanding more from their investment brokerage.

Shopping around can save you money at the grocery store, the car dealership, and perhaps most importantly, in your investment portfolio. More investors than ever realize that one of the keys to a successful investment experience is managing costs. Need evidence? Mutual fund expense ratios—the annual charges paid to cover management fees as well as… Read More


How REITs Can Benefit a Diversified Portfolio

REITs could benefit your investment portfolio if the return and risk profile matches your investment goals.

If you own a house, and your home equity represents a hefty portion of your total assets, you may not want or need any more investments in real estate. But if you’re trying flesh out your portfolio with some real estate exposure—without the hassle of becoming a landlord—one way to achieve it is through real… Read More


Interest Rate Debate Hinges on 3 Factors

The Federal Reserve did not raise interest rates in September. Will they in October?

The U.S. Federal Reserve decided against raising the federal funds rate at its latest meeting in September, extending its zero interest rate policy and ramping up the debate about what it will take for the Fed to act. Disagreements in 3 areas explain the Fed’s caution. The most crucial and most recent influence on the… Read More


An Investment Strategy Checkup for the 4th Quarter

Be sure to evaluate your investment strategy at year-end to account for any changes that have happened over the past year.

Don’t look now, but here comes the 4th quarter. The end of the year is a good time to take a look at whether you’re on track with your investment strategy. Don’t wait until the end of December. That could force you to make decisions or take actions too hastily. First, review your financial goals…. Read More


What Pension Plan Phase-Outs Mean for You

With the Pension Plan Becoming Extinct, How Can Investors Save for Retirement?

How’s your pension doing? If you answered, “great,” you probably belong to one of a few specific job sectors—or an upper age bracket. The more common answer these days is something other than “great.” Maybe your employer’s pension plan has been frozen, or has pushed early lump-sum payouts, or never existed in the first place…. Read More


Investing in Stocks During Retirement

Should you consider stock investing during retirement?

If you’re like most people, investing in stocks during your working years offers one of your best opportunities for growing a nest egg large enough for a comfortable retirement. And when retirement is still years away, any volatility that comes from stock ownership can be waited out by patiently holding a diversified portfolio. For most… Read More


Your Stock Split. What Now?

When a stock split occurs, the amount of money you have invested does not change, just the amount of shares.

Imagine finding out that the share price of one of your stocks is half what it was just the day before—but you own twice as many shares. Do you fly into a panic or pop a champagne cork? No need to do either. Your investment value has not changed. Stock splits are a  common mechanism… Read More