investment vehicles

We in the personal finance blogosphere love to fill the internet with ideas on how to save money and discuss everything under the sun that you should not spend money on. Well, today, I’d like to discuss a few things that I believe are acceptable purchases.

As the year is winding down, you may be considering some ways to lesson your 2009 tax burden. Should you take advantage of the federal tax credits Congress has provided certain energy efficiency expenditures? Well, maybe. This post is intended to help you understand these tax credits of energy expenditures and decide if they are [...]

I’m a firm believer that your 20s is the most important decade of your life financially.  This was a driving reason on why I chose to start my blog 20smoney.com.  This is a crucial decade; unfortunately, it is often the most abused decade as well.  Rather than saving, investing, and building a career, many 20-somethings [...]

With the recent stock market crash, many people are understandably wary about investing. Concerns about the volatility of the stock market, and the prospect of losses during downturn, have convinced many that stock investing is not for them. However, “safer” investments like cash and bonds may not provide the needed returns for your portfolio to [...]

In this Ask The Expert With Larry Swedroe article, Erin from Working for Financial Freedom wants to learn more about contribution limit for Roth 401k.  She also wants to know if and how she should split her investment between traditional 401k and Roth 401(k).  Here’s the question from Erin:
Is there a limit to how much [...]

This is the 11th issue of the Ask The Expert column by Larry Swedroe. You can see Larry’s full biography and important disclaimer below. If you are interested in having your question answered by Larry, please send me an email via the contact page.
Now, let’s get to the questions and answers (please note that the [...]

Retirement is just around the corner.  You think you’ve saved enough; but with the recent market drop, you are just not sure. Your retirement accounts have taken drastic blows and now you’re in doubt if you will ever retire. You decide it’s time to sit down with a Certified Financial PlannerTM to see if you [...]

Asset allocation is an investing a strategy for maximizing gains while minimizing risks in your investment portfolio. It involves diversifying your assets among different broad categories of investments, such as equity, fixed income, and money market, etc.  By reducing your investment risks, you’re in a better position to meet your financial goals.
How Asset Allocation Works
The [...]

This is the second part of Financial Risks And Personal Finance Risk Management series. In the first part, we looked at financial risks and risk management as they relate to your income and expenses. In this part, we will be looking at risks pertaining to your assets and credit.

Photo by Snoober via Flickr
Asset Risks
Your assets [...]

The first time I heard the term “Labor Capital” clearly explained was in our monthly column by Larry Swedroe. So what is labor capital? Basically, it’s your ability to generate income by trading your labor for money. Larry advises that investors should take their labor capital into consideration when deciding their asset allocation percentages.
Why You [...]