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
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?
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
There are a seemingly never ending supply of scams and ripoffs designed to take your hard earned money away from you. Some con artists use simple methods to extract money from their victims, while others use a more sophisticated style. The Ponzi scheme can fall into both categories; both types will end up with you … Read more What is a Ponzi Scheme and How to Avoid It
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?
Should I get back into the stock market? You might be asking yourself this question if you had bailed out during the recent market downturn and watched it climbed almost 30% in March. I don’t blame you if you got out. Many people developed their investment strategy while the stock market was doing well, and … Read more Is It Time to Get Back Into The Stock Market?
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
Is it best to get out of debt before you start investing? This is a common question that comes up quite often. The issue is actually fairly complex considering the many different types of debt and investment options available. In general, the answer is you should pay off your debt before investing. Here are some … Read more Should You Pay Off Your Debt Before Investing?
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
One of my rules of prudent investing is that no one should own individual stocks. That has far more to do with speculating than investing. Instead own only mutual funds (or ETFs) that own all the stocks within a particular asset class (e.g., small caps, value stocks, emerging market stocks, etc.). Then build a globally … Read more Should You Own Individual Stocks?