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The Smarter Investor

November 2011


Retirement Risks: High Seas Ahead!

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As you plot the course to a happy and successful retirement, you’ll be navigating through a sea of financial risk. Whether you have a trusted wealth adviser or you’re sailing alone, there are many financial hazards to avoid in order to get to your retirement port safely.

When you’re concentrating on ...

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investing
mutual funds

Stop Paying Wall Street to Take Your Money

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"Odds are you don't know what the odds are." —Gary Belsky and Thomas Gilovich, "Why Smart People Make Big Money Mistakes"

Rule number one for spending your hard-earned dollars—pay for value. This rule is so obvious that it’s almost offensive to mention. When you plop you body down at a Motel 6 for a ...

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investing
mutual funds

What's Your Budget for Risk?

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Risk as derived from its Italian origin “risicare” means “to dare.” If most people thought of their portfolios as a dare, they would probably keep their money in cash.

The interesting concept about risk is that people don't have a clear way of measuring it. It's not that one doesn't exist or that ...

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investing
mutual funds

Your Cash Ain't Nothing But Trash

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Baby boomers who grew up listening to this Steve Miller song remember that it was about a guy who had cash, but couldn’t get a girlfriend, buy a Cadillac, or even get arrested.

In reality, cash isn’t trash, but cash generally doesn’t belong in long-term investment portfolios, unless you are an avid ...

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investing
mutual funds

Time for Tax-Loss Harvesting

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You always want, and expect, your investments to go up in value. But sometimes, they just don’t.

When that happens, there’s at least one way a market downturn can be turned into a positive. Ever heard of tax-loss harvesting? Many people haven’t, but it can be an effective tool in helping you reduce ...

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TAGS:
investing
mutual funds

MF Global's PIIGS Problem

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For some investors this Halloween, a trick instead of a treat was found in their proverbial retirement portfolio bag. Why? Because of the spooky gift supplied to clients via MF Global’s announcement of bankruptcy, the eighth largest in U.S. history.

Any while many investors had previously never ...

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investing
mutual funds

Who Are Your Fiduciaries?

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If you’ve ever been part of an employer-sponsored retirement plan—like the federal Thrift Savings Plan, a 401(k), or a 403(b)—you’ve been under the care of a fiduciary. Most likely your plan has several fiduciaries.

Fiduciaries are important in the world of investing and retirement plans because ...

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TAGS:
investing
mutual funds