Asset Allocation

Blooom Robo-Advisor Review – Investment Management Help for Your 401(k)

Blooom Robo-Advisor Review – Investment Management Help for Your 401(k)

By in Asset Allocation, Investing, Retirement | 0 comments

Blooom Makes Retirement Plan Investing Easy If you’re like most workers, you understand your job just fine, but your retirement account is another matter. With all the various fund choices, how to manage your retirement account seems a bit confusing. Blooom was designed to oversee your precious workplace retirement investment account to earn more money for you. I had my retirement account analyzed in minutes, for free and you can too. Just click below.  Blooom Retirement Account Management Is for the Regular Investor If you’re like the 99% of all investors, you’re seeking: Simple 401(k), 403(b) or TSP account...

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How to Choose Mutual Funds? Reader Question

How to Choose Mutual Funds? Reader Question

By in Advanced Investing, Asset Allocation, Bond, Investing, Mutual Funds, Reader Question | 11 comments

John, a loyal reader wants to know how to choose mutual funds. How to Choose Mutual Funds “I would like your opinion and advice on how I should allocate my investments and my daughter’s investments among mutual funds. Both our accounts are with Fidelity. I am 56 and plan to retire at 60. I have $400,000 in IRAs (Traditional and Roth). My daughter is 24 and has $65,000 in an individual acct and $50,000 in both Roth and rollover IRA. There are so many funds to choose from and I feel overwhelmed. Any suggestions would be helpful.” Too Much Fund...

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Are Bonds a Good Investment Now?

Are Bonds a Good Investment Now?

By in Advanced Investing, Asset Allocation, Bond, Investing, Reader Question | 15 comments

A reader wrote in and asked, “Why should I invest in bonds? After all, the yields are low and don’t bond values drop as interest rates rise?” I started investing in bonds in my mid 20’s and have enjoyed their dividends for years. When interest rates were high, I even received double digit bond interest (coupon) payments – can you believe that today? Understand the importance of bond investing. Learn why bonds remain a good investment today. Investing in Bonds for Beginners “Are bonds a good investment now?” is a great question. After all, bonds, typically offer lower returns...

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My Best Lazy Portfolio – Lazy Investing Can Lead to Wealth

My Best Lazy Portfolio – Lazy Investing Can Lead to Wealth

By in Asset Allocation, Investing, Mutual Funds | 9 comments

The Best Lazy Portfolio The best lazy portfolio is the one that you maintain. In investing there’s no one right way to invest or manage your portfolio. In fact there are hundreds of different approaches, and probably more. Consider the active portfolio managers, they all have their own ideas about how to get the highest returns for their particular strategies. Then there are the hedge funds, clamoring to get alpha from creative investment strategies. Finally, the market timers think they will outsmart the indexes and know how to invest at the bottom and get out at the top. In...

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Warren Buffett’s Advice to His Heir’s is Wrong

Warren Buffett’s Advice to His Heir’s is Wrong

By in Asset Allocation, Bond, Investing, Retirement | 4 comments

Warren Buffett’s Advice to His Heirs Here’s Warren Buffett’s advice for investing – to his heir’s. It’s great advice – just not for you. “My advice to the trustee couldn’t be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.) I believe the trust’s long-term results from this policy will be superior to those attained by most investors — whether pension funds, institutions or individuals — who employ high-fee managers.” ~ Warren Buffett, Berkshire Hathaway 2014 letter to shareholders (page 20) Warren Buffett is arguably...

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Speculative Investments – What Percent Should I Invest?

Speculative Investments – What Percent Should I Invest?

By in Advanced Investing, Asset Allocation, Reader Question, Stocks | 13 comments

Are Passive Investments for You? “What is your take on passive investing? If passive investing, what percentage of your portfolio would you allocate for “speculative investments”, like single tech stocks and such?” ~ Jake at I Heart Budgets asks this two part investing question. Passive Investing and Speculative Investments You don’t usually see these two topics discussed together. Passive investing is the cornerstone of John Bogle’s index fund investing platform. Backed by empirical research and millions of practitioners, one topic that’s rarely discussed with passive investing is speculation.  Well, here goes….  Passive Investing-My Take Jake asks about my take on...

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