retirement portfolios

There are two rules often cited by investors that sound similar but that in fact make very different claims. In this article, I’ll describe the differences between the two rules — the Multiply-by-25 Rule and the 4-Percent Rule.

The Multiply-by-25 Rule
The purpose of The Multiply-by-25 Rule is to tell an investor how much he needs to [...]

Net Worth Review
The S&P 500 gained +0.8% in December and went from 896.24 to 903.25. But for a full year, the S&P 500 dropped -38.5% from 1468.36 to 903.25 — ouch!  According to NetworthIQ, my net worth rose +3.44% and my net investable assets increased +6.54%.

Highlights

Home value actually went up slightly in December, but for [...]

My company made Vanguard Target Retirement Funds available for our 401k accounts about two years ago. However, I have not used them preferring to manually manage my own portfolio using traditional funds that include bond, large-cap, small-cap, international stock, and REIT funds. However, Target Retirement Funds are not without merits — in fact, I’ve been [...]

I stumbled upon a site today called, Wall Street Survivor.  The premise seems to be the same as UpDown, but it looks like you could potentially earn more money since Wall Street Survivor touts $250,000 in prizes.  I am not a trader by nature, but if there’s an opportunity to earn money without risk — [...]

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 [...]

Net Worth Review
September was a rough month! The U.S. economy suffered from the worst financial crisis since the Great Depression. Major failures in our financial system forced the U.S. government to take over Fannie Mae, Freddie Mac, and AIG. On top of that we saw the end of Lehman Brothers, Washington Mutual, and Wachovia. All [...]

Welcome to the “Money Saving Hacks” edition of Money Hacks Carnival. We have over 60 submissions this week, so this is a fairly long carnival. Let’s start off with the editor’s picks, and don’t forget to check out money saving tips.

Photo by bitzcelt via flickr
Editor’s Picks

Smart Moves To Lower Your Health Care Costs posted at [...]

When I wrote Building, Diversifying, and Shifting Your Income Streams, there was an important element that I left out. That element was some practical real life ideas about how you can start building alternative income streams today. It is worth noting that not all of these are passive income ideas, so you will actually have [...]