Author - Jane M. Young, CFP®, EA, MBA, CDFA

1
The 14 Rules of a Successful Retirement
2
10 Things You Need to Do to Get Through This Volatile Market
3
Your End of The Year Financial Check List
4
Boosting Returns in a Stagnant Economy
5
The Demise of an Investment Portfolio – Emotions and Market Timing

The 14 Rules of a Successful Retirement

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10 Things You Need to Do to Get Through This Volatile Market

1. Don’t react emotionally! This will result in a constant cycle of buying high and selling low.  Once you sell, you lock in your losses.  Stay the course and focus on what you can control.

2. Make sure you have an emergency fund of three to six months of expenses. 

3. Evaluate your asset allocation to be sure it is consistent with the timeframe in which you need to withdraw money.   The stock market is a long term investment; you should never have short term money in the stock market.  Make adjustments to your allocation based on your long term …

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Your End of The Year Financial Check List

Roth Conversion –
The income limitations on converting a traditional IRA to a Roth IRA have been eliminated and taxes due on a Roth conversion, processed in 2010, can be paid in 2011 and 2012.

Required Minimum Distribution –
A required minimum distribution on your IRA and 401k/403b is required every year once you attain 70 ½.

Maximize your retirement contributions –
Be sure to maximize your retirement plan contributions for 2010. Below are the maximum contributions for your 401k and IRA contributions for 2010. You have until April 15th to contribute to your IRA.

401k – $16,500 plus a …

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Boosting Returns in a Stagnant Economy

Article in Summary:

  • Many Savings accounts and CDs are paying less than 1% annual return.
  • Consider short or mid-term bonds for higher returns (but with more risk).
  • Investors are best served by investing in a combination of CDs, high quality short term bonds, and some high quality intermediate term bond funds

It is important for us to stay diversified and keep a prudent amount of our portfolio in fixed income investments – but where? We can avoid interest rate risk and default risk with CDs; however, we may sacrifice on return. Currently most short term CDs are paying less than …

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The Demise of an Investment Portfolio – Emotions and Market Timing

Forecasting the short-term movement of the stock market and trying to time the market is fruitless.  As in all areas of our lives, we can’t control what life throws at us but we can establish a defensive position to best deal with a variety of outcomes.  When it comes to our investments, we accomplish this through diversification, dollar cost averaging, maintaining an emergency fund and staying the course.   We need to fight the natural inclination to make financial decisions based on emotions.   Don’t forget that the stock market is counter-intuitive.  Generally, the best time to buy is when things seem …

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