What is a diversified portfolio?
Are you wondering what is a diversified portfolio? Are you also wondering how to build one? Your portfolio doesn’t have to be overwhelming or complicated. And you don’t need a Ph.D. in finance to build one. Diversification is a strategy anyone can use. I might mention a few numbers along the way – but don’t…
Millennials and Saving
We talk a lot about saving and retirement planning, especially for those nearing the long-awaited retirement chapter. But before these retirees get there, financial planning needs to begin years beforehand, and this applies to us, the age group called millennials. Defined as those born after 1981, many in this 20-something camp are busy worrying about…
401K Savings on the Rise But Is it Enough to Retire
401K Savings Are on the Rise In this past week amid a slew of earnings reports, an FOMC meeting and lots of economic numbers, Fidelity Investments released a new report on retirement savings. Compiled from the data of 13 million active and retired employees over 21,000 retirement plans, it included good news and provided a…
Is it time to Retire?
Ask yourself these questions Now that summer is approaching, the allure of golf, vacation or spending time with your family is very high. Maybe you have a big birthday coming up (yep, 65) and now you’re pondering whether now is the time to retire. But before you take the plunge, you may want to ask…
What Can A Roth IRA Do For You?
It’s a bird, it’s a plane, no it’s a Roth IRA. The Roth IRA may be one of the best savings vehicles and secrets to your financial success. Here are some of the nuts and bolts that you should know about the Roth IRA. Roth IRA Tax Break Contributions made to a Roth IRA are…
Retirement Planning & Your Everyday Budget
We all rise in the morning. And most of us go to work. Why? Just to do it all over again the next day? Are you working to put food on the table? Or maybe your next vacation? Kids college? A new car? Or to stop working and get to retirement? Reaching your goals takes…
Ideas for a Smart Retirement
Financial independence, financial freedom, or retirement, they’re all the same when it boils down to money. It’s a smart retirement we’re after. With a little bit of planning, your retirement dreams may have the potential to become a reality. Retirement planning is important because saving money for the long term is not enough, you have to…
How to invest in your 401(k)
Investing can be overwhelming if you aren’t a financial advisor or investment savvy. Investing in your 401(k) can be a great way to jump-start your retirement plan and begin saving. It can also be a very overwhelming experience when you have to choose which positions and what percentages to choose in each. Categorize your positions…
Should you use Stop Losses in your investment portfolio?
Are you looking for the auto-eject button? A parachute? A bullet proof vest? Do you think if you scream “UNCLE,” the pain stops? Or at least that’s what you’re hoping a stop loss will do. Right? Reducing risk while still having the upside potential of the market is what we all want. A stop loss…
Dollar Cost Averaging: Saving Monthly for Retirement
Have you ever heard the phrase, “half the battle is just showing up?” Saving systematically is kind of like that. You’re also probably already doing it too in your 401(k), IRA or other retirement plans. In the financial planning world we call this simple, yet effective strategy, dollar cost averaging. Dollar Cost Averaging Dollar Cost…
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