Retirement Watch editor Bob Carlson discusses the importance of managing your cash well
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The Federal Re-serve recently said it would continue its zero interest rate policy through late 2014. The SEC also is about to propose new regulations on money market funds. This combination of actions will keep short-term yields as low as a snake’s belly and make it harder to earn a positive real yield or even […]
A bull market mantra was “cash is trash,” meaning that investors shouldn’t have any of their portfolios in cash when stocks are rising by double digits each year. That was the mantra even when money market funds were yielding 4% and higher. Now, there’s an even stronger argument to limit your cash holdings. Money market […]
The Fed’s zero interest rate policy causes safety-first, income-seeking investors to consider investments they wouldn’t have paid any attention to a few years ago. One of those is the derivative CD, which goes under a number of different names. Basically it promises to give you a return, if any, tied to an investment or index. […]
The Federal Reserve is punishing savers. People who set money aside in safe, secure, liquid investments are losing purchasing power. The Fed is keeping short-term interest rates near zero. That means real yields (after inflation and taxes) are less than zero. Low interest rates aren’t good for some financial firms either. Yields on money market […]
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Money market funds are in the news again. Since their development in the 1970s, money market funds were considered ultra-safe places to store cash. Most investors considered them to be like cash that pays interest. Their net asset values always were $1.00. That changed in 2008 when the Reserve money market funds revealed they owned […]
Congress passed a couple of laws to save you from being ravaged by credit card issuers and banks. In late 2009 there was the Credit Card Accountability Responsibility and Disclosure Act to restrict credit card fees and interest rates. In the Fall of 2010 there was the financial reform law. Not surprisingly, banks and credit […]
Maintaining Retirement income is the top priority of more and more retirees. As retirement nears their investment focus shifts from increasing the value of a portfolio to replacing their income stream. With baby boomers entering their retirement years, interest in managing retirement income is, well, booming. The potential for significant capital gains doesn’t interest investors […]
The cost of banking is rising. Banks lost a lot of money the last few years. They are making it back with higher fees and new fees on checking accounts. You easily could be paying a few hundred dollars a year in bank fees. That can work out to a pretty high percentage of your […]