Mutual Funds

Best Personal Investment Strategy – Investing for Women

Best Personal Investment Strategy – Investing for Women

By in Investing, Mutual Funds, Retirement, Saving | 28 comments

Invest Like a Woman and Become a Millionaire by Investing Investing Tips for Women With my experience as a multi-decade investor, former professional portfolio manager and university investments instructor, I will answer the question, “Where should I invest money to get good returns.“ You’ll learn easy to implement strategies to build wealth for women (and men too). Research by Prudential found that women worry more about risk than men. I get it, despite investing for decades, I’m scared of risk too. Women report that they lack confidence in finances too. Even though in multiple studies, women are more successful...

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You Don’t Need an IRA; There’s Always Social Security

You Don’t Need an IRA; There’s Always Social Security

By in Automatic Saving, Bond, Investing, Mutual Funds, Retirement | 17 comments

 Do I Need a Roth IRA If I Have Social Security? I’m one of those dinosaurs that started her first IRA in her 20’s at the beginning of the IRA movement. At that time, there was no such thing as a Roth IRA, so I invested in a traditional IRA. On top of that anomaly, I was the only 25 year old at a retirement seminar in a room full of 60 year olds. The question of whether I needed need a Roth IRA if I have Social Security didn’t cross my mind since I believed that there’s no such thing...

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Is a 10% Return Good or Bad? How Are Your Investments Performing?

Is a 10% Return Good or Bad? How Are Your Investments Performing?

By in Asset Allocation, Bond, Investing, Mutual Funds, Stocks | 3 comments

Are Your Investment Returns Good or Bad? Do you know how well your investments are performing? Are you wondering if a 10% return is good or bad? Do you know the annual rate of return of your investments? What about how well your investments are performing when compared with a standard benchmark? Ever since a friend asked me to look over her investments and tell her if she’s doing well I’ve wanted to help investors answer this question; “What are my investment returns?” Most individuals don’t know if their investment returns are good or bad. Even investors with financial...

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Should I Invest in an Opportunity Zone Fund?

Should I Invest in an Opportunity Zone Fund?

By in Advanced Investing, Investing, Mutual Funds | 1 comment

Opportunity Zone Fund Investing – Pros and Cons There are few things worse than earning a great deal of money in some sort of financial victory—a successful business, a jump in the stock market, or a profitable real estate deal—only to realize that a large chunk of your hard-earned money is going to be taken for capital gains taxes. Talk about a bummer. Financially-savvy investors will be on the lookout for ways to save money in taxes after large gains, and the Tax Cuts and Jobs Act of 2017 has given these investors a way to both save money...

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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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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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