Retirement Investing
Bob Carlson offers his expert opinion on where to invest your money so that you can get through retirement safely and securely
Found 846 Articles.
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Seeking Higher Yields for Safe Cash
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 […]
Portfolio Diversification Harder to Accomplish
A buy and hold investor definitely needs investments that aren’t correlated with each other. Even investors who do some trading in their accounts want some diversification and balance. In recent years this has become harder to achieve. In the financial crisis, the correlation of all investments, except short-term treasury bonds, went to 1.0 or very […]
Don’t Own Stocks for the Long Run
Stocks for the Long Run is a best-seller by Jeremy Siegel and is the basis for the stock-centered portfolios that dominate in the U.S., even among retired investors. Siegel’s argument is that over the long-term stocks earn substantially higher returns than the alternatives. Stocks do have higher volatility. But because of the higher returns, investors […]
Taking Too Much Risk in Retirement
Investing in retirement is a relatively new field. We’ve been leaders in developing strategies that differ from the long-time conventional strategies, but people have been slow to follow. Most retirement portfolios are either too conservative or too risky. On the latter side are portfolios that continue the same allocation the owner adapted many years before […]
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Finding Higher Dividend Yields with Safety
The Federal Reserve’s been punishing savers in favor of the big banks and others by keeping short-term interest rates dirt low since 2008. Investors in safe investments (such as short-term treasury bills, money market funds, and certificates of deposit) are earning less than 1% annually. After taxes and inflation, the real return is negative. Some […]
Taking a Close Look at Money Market Funds
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 […]
June 2011
June 30, 2011 11:00 a.m. The Week in Review The trading week and the quarter are winding down, and it’s been a very interesting week in the markets, economy, and world of personal finance. Let’s take a look at the highlights. The Data There were only a few pieces of economic data this week. The […]
Dangers of Following Famous Investors
A widely-promoted investment strategy is to follow what famous and successful investors are doing. There even are some academic studies indicating the strategy can work. Most of these investors don’t tell us what they’re doing while they’re doing it. But a large number of them are required to file reports with the SEC that show […]
