fbpx

4 Reasons You Should Participate in Your Employer’s 401k Plan

4 Reasons You Should Participate in Your Employer's 401k Plan 1

Saving for retirement is one of the most important financial decisions you can make. Without retirement savings you may never be able to retire or if you are forced to retire, you find yourself completely dependent on the government for assistance. It is smarter to take control of your retirement savings now, while you have … Read more 4 Reasons You Should Participate in Your Employer’s 401k Plan

Should You Use Your Home Equity to Invest in the Stock Market?

Should You Use Your Home Equity to Invest in the Stock Market? 6

If you are more than halfway through repaying your home mortgage you likely have a decent amount of equity in the house. With refinancing and borrowing against your mortgage rates well below 5%, doesn’t it make sense to take equity out of your house and put it into the stock market? You could double your … Read more Should You Use Your Home Equity to Invest in the Stock Market?

Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts

Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts 11

Saving up a significant cash savings or an emergency fund capable of holding 12 months of living expenses is a Herculean effort in of itself. Once you have managed such a feat, the next question becomes what do you do with the money? Having it sit inside a big bank account earning 0.20% interest doesn’t … Read more Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts

What Happens If Your Broker Goes Out of Business?

What Happens If Your Broker Goes Out of Business? 21

There are a lot of risks involved with investing your money. While some people may never consider all the potential risks they are taking with their future nest egg, one common question people do ponder is: “What happens if my broker goes out of business?” It’s a wise question to consider. What happens to your … Read more What Happens If Your Broker Goes Out of Business?

Buying iShares Barclays TIPS Bond (TIP) ETF versus Individual TIPS

In this Ask the Expert with Larry Swedroe article, Thomas is wondering why his iShares Barclays TIPS Bond TIP ETF hasn’t paid dividend since last October and if he should switch to individual TIPS through Treasury Direct instead. Here’s the question from Thomas: I own the TIP ETF (iShares Barclays TIPS Bond). It has not … Read more Buying iShares Barclays TIPS Bond (TIP) ETF versus Individual TIPS

Correlation of Returns: The Reason Why Diversification Didn’t Work

Correlation of Returns: The Reason Why Diversification Didn't Work 29

None of the alternative investments provided sufficient risk reduction to soften the impact of the Bear Market. Alternatives such as Commodities, Equity REITS, International Equities doesn’t seem to be working. The U.S. Treasuries were one of the few asset classes that really provided sufficient diversification. What went wrong? First let’s address the question of “Diversification … Read more Correlation of Returns: The Reason Why Diversification Didn’t Work