As you know, death and taxes are a permanent feature of this present world. One good general principle is to delay paying taxes as long as possible, but other factors can override the tax considerations. After the past few years of changes, one must begin taking Required Minimum Distributions (RMD) [...]
You have probably seen statistics that over decades of time, the general stock market rises by an amazing percentage, but average investors experience mediocre or even poor results. Vats of ink—in the old days at least—have been invested in writing about the reasons for this anomaly. Today there is [...]
DIY Anyone? Recently I wrote about investors who have an advisor obtain much better results over time than those without one. I referenced the study by Vanguard about this, but I have noticed a newer one by the Russell Investments organization today. It attempts to quantify how much value can [...]
Last week I provided a concise breakdown of the major changes to retirement account regulations brought about by the passage of the SECURE act of 2022. For more information about this new law check out my article on the topic that ran on 1/11. Today however, I wish to comment [...]
Would you agree that most investors are glad to see 2022 in the rearview mirror? Even when one obtains better results than the market in a downtrend, the general feeling is still painful. The drop represents real dollars lost from accounts of real people, even if only for a year [...]
As often stated, much about investing trends can be related to calendar seasons each year. By November 1, an uptrend of indeterminate length usually begins. Since this year’s market highs came on January 4, such a change in trend could not be more welcome! Today, I will focus upon where [...]
As any of you who have looked at your retirement accounts recently are well aware, the first half of 2022 has been very bad for market performance. In fact, 2022 is the third worst first half of any year in US stock market history. (Only 1932 and 1940 were worse) [...]
Last week we finally saw quite positive results for the major US stock indexes. Those most beaten down rose the highest: Nasdaq 100 by 7 percent, S&P 500 by 6.5 percent and the Dow Jones 30 by 6.2 percent respectively. Even the long dated Treasuries took a breather and their [...]
Road sign to bond market My goal today is to give you some remedies for the plummeting bond values from which most of you reading this are suffering. One oft distributed piece of radio wisdom these days is that, in retirement, it’s all about income. I respectfully disagree [...]
This past week is always a busy one for investment advisors. Despite the fact that Tax Day comes at the same time every year, many wait until this last week to make year-end contributions to their IRA accounts in an attempt to reduce their overall income tax liabilities. Unfortunately, for [...]
