Retirement Watch editor Bob Carlson discusses the importance of managing your cash well
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One of the most frequent requests from readers is for advice about which of my recommended portfolios they should follow. The short answer is that most of you should follow more than one portfolio. Here’s why. Retirement is likely to last a long time for most of you. There will be several phases to your […]
Once we left the 1980s behind, I thought this issue would not be addressed again. But for the second consecutive month we are having a discussion about when your money is insured by the government or an entity created by it. Money market funds are this month’s focus. Traditionally a money fund is where you […]
Paying off the mortgage used to be part of the American dream and a prerequisite to retirement. Times have changed. These days many people enter retirement with mortgages and other debt, and some do not hesitate to increase debt during retirement. What is the best approach? Should you try to pay off the mortgage as […]
Investors suddenly are concerned about something they haven’t considered for years: That their securities broker might go out of business. The credit and mortgage crises revealed that some brokers are more exposed to subprime mortgages than their customers realized. Merrill Lynch was a big player and took substantial write downs of its assets. E*Trade has […]
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The big financial services companies are heatedly competing for the assets of retiring Baby Boomers. In decades past these companies competed for the easy business of servicing those who need to accumulate capital for retirement. The firms emphasized convenience, cost, and growth potential. Things are more complicated as the Boomers begin to enter the draw […]
Lump sum pension payouts are likely to fall for many retirees over the next few years. The Pension Protection Act of 2006 changed the rules for computing payouts, and they apply retroactively. The new rules affect people in old-fashioned defined benefit pension plans. These are the plans that guarantee annuities to members at retirement. Members […]
Flip through the ads in the newspapers and you will find offers for attractive financing of purchases of high-ticker consumer items. The offer usually states there is no-interest for a period of one year to three years. The offers are most likely to cover purchases of electronics (such as big screen televisions) and furniture. Are […]
Myths about investment fees are widespread among investors. The myths include mutual fund management fees. As a result, many investors pursue the wrong investments and earn lower returns than they should. It is easy to understand how investors stray down the wrong path regarding fees and expenses. Of the main elements of investment management – […]