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The Smarter Investor

March 2013


5 Ways to Sabotage Your Nest Egg

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There are many things you can do to optimize your 401(k), other retirement accounts, and overall retirement strategy. Then there are a few things you just shouldn't do.

Here are five ways to sabotage your own retirement nest egg:

1. Not saving enough.

No amount of good investing can make up for a ...

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TAGS:
investing
mutual funds

The Good and Bad of ZIRP

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What is a Zero Interest Rate Policy (also known as ZIRP)?

The definition is as follows: The lowest percentage of owed principal that a central bank can set. In monetary policy, the use of a zero percent nominal interest rate means that the bank can no longer reduce the interest rate to encourage ...

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TAGS:
investing
mutual funds

The Financial Risks of Getting Older

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If you've ever had to watch a loved one’s mental capacity decline as they age, then you know the heartbreak of watching someone realize that something is wrong, but not be able to articulate the problem. At first, it shows up as just losing a train of thought. Then it progresses to forgetting where ...

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TAGS:
investing
mutual funds

Do You Have a Retirement Gap?

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Most retirement planners are facing a gap.

I’m not talking about orthodontics. I’m talking about the gap between where your savings are and where you want to go.

If you've taken the initial retirement planning steps—setting some money aside and investing it— you've set a course. Using your existing ...

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TAGS:
investing
mutual funds

Is the Dow Record a Big Deal?

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Yesterday the Dow Jones Industrial Average closed at 14,253.77, an all-time record high. By one measure we've now gotten past the financial crisis as the prior high was reached pre-crisis in 2007. The S&P 500 is also near record territory.

The Dow is a pretty narrowly focused index of 30 stocks of ...

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TAGS:
investing
mutual funds

Are You Sabotaging Your Portfolio?

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We all like our investments to do well. We research companies, and build portfolios, and hope that we will strike gold.

And, while there is risk in any investment, and sometimes it really is out of your hands, the reality is that you might be the problem with your portfolio. Here some of the ways ...

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TAGS:
investing
mutual funds

Use I-Bonds for Inflation Protection

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Are savings bonds a good investment? Of the two types of U.S. savings bonds, EE and I series, we think the I-series savings bond is currently a great investment. Here’s why:

  • They protect you from inflation.
  • They are a bargain compared to Treasury inflation-protected securities (TIPS).
  • I-bonds pay a ...

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    TAGS:
    investing
    mutual funds