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Investing & Portfolios
The Buy-and-Hold Portfolio That Holds Its Value
Investment markets in 2011 are a serious test for investment portfolios. Our "hedge fund" mutual fund portfolio is passing the test with flying colors.
This buy-and-hold portfolio has true diversification, so it reacts well in almost all market environments. It earns solid returns in good markets and holds up very well in bad markets, avoiding large losses.Read more...
Estate Planning
Avoiding a Major Planning Pitfall
Estate planning mistakes fall into two major categories. Retaining too much control for too long is the first category of major mistakes. Now, we'll discuss the second major category of estate planning mistakes.Read more...
Investing & Portfolios
Earning Positive Returns in Today's Markets
Several lessons should have been learned in the market havoc of early August. Most investors probably didn’t absorb them, because they didn’t learn them in past crises. Successful investors need to manage risk first and worry about maximizing profits second. Read more...
Medical Care
When to Buy Long-Term Care Insurance
Among the more difficult retirement planning decisions are whether or not to buy long-term care insurance and, if so, at what age to purchase it.In this post, we will assume you plan to buy LTCI and will focus on the age at which to buy.
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Cash Flow Strategies
How to Revise Your Spending Plan
One step you have to take after the turmoil of the last few years is to re-evaluate your spending plan. You have to decide if your spending rate needs to be adjusted and how to make any adjustments. Read more...
Retirement Strategies
Personal Finance for Seniors for Dummies
Bob's new book (written with Eric Tyson) is the latest and most comprehensive retirement planning guide. The easy-to-read, practical guide covers all the key financial issues of retirement and retirement planning. Read more...
IRA Strategies
Should You Convert Your IRA?
All taxpayers can convert traditional IRAs to Roth IRAs in 2010 and later years. There's even a tax incentive to convert. But is conversion right for you? The strategy that puts the most after-tax wealth in your pocket is determined by many variables. That's why we developed our Retirement Watch IRA Conversion Spreadsheet. This unique calculator fills the information gap for IRA conversions. It allows you to change more variables than others and shows you the results in several formats. Read more...
Popular Articles
Portfolios
Why Most Retirement Investment Plans are Wrong-Part I
The financial crisis and market panic demonstrate why most of the investment plans for those in or near retirement are wrong. There are better ways to manage retirement money, but you will not learn about them from conventional advisors and sources.
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Health Expense Strategies
Critical New Trends in Long-Term Care Insurance
Long-term care insurance has been a mainstream product only since the 1980s. It is evolving, and dramatic changes are occurring. In this visit, we review critical recent changes and discuss how you should respond.
Read more...
IRA Strategies
Preparing for the Roth IRA Opportunity
In 2010 all taxpayers will have the opportunity to create a tax-free stream of retirement income by converting traditional IRAs into Roth IRAs — and receive a tax incentive to convert. Read more...
Estate Planning
Nuts and Bolts of Estate Planning
Most discussions of estate planning, including in this newsletter, focus on discrete topics and strategies. Once in a while, especially early in the year, it is good idea to step back and look at the broader picture. There are concepts and strategies common to every estate plan and estate owner. Read more...
IRA Strategies
Avoiding IRA Inheritance Disasters
IRAs are supposed to be simple, but when it comes to inheriting them IRAs are more complicated than most people realize. A wrong move or two by heirs triggers high taxes, often causing most of the IRA to be paid to the IRS. Read more...
From Our Friends at KCI Investing
Income Investing by Roger Conrad
Takin' It to (or From?) the Street
The Obama administration, the Federal Reserve, and governments and central banks around the world have difficult needles to thread on several levels: scaling back fiscal spending to restore budgets to balance; unwinding extraordinary liquidity provisions; crafting a regulatory framework that prevents a similar situation from happening in the future. Read more...
Income Investing by Roger Conrad
Trust the Income
These Canadian trusts have been discounted by a tax hit that's not in the cards. Read more...
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