The search for income: Dividend paying stocks vs. bonds
Investors, especially retirees, often use their portfolios to generate income. With bond yields and interest rates on CDs and money markets at record lows, these investors are searching for...
View ArticleThe search for income: Dividend-paying stocks vs. bonds
Investors, especially retirees, often use their portfolios to generate income. With bond yields and interest rates on CDs and money markets at record lows, these investors are searching for...
View ArticleThe reality of lower investment returns
Despite two major market declines in the last 14 years, the U.S. financial markets have been generous to investors and baby boomers have been perhaps the biggest beneficiaries. Over the 30 year period...
View ArticleGetting real about future investment returns
Despite two steep stock market declines in the last 13 years, baby boomers who are now retiring in droves have grown accustomed to earning strong returns on their savings and investments. Over the last...
View ArticleIt’s what you keep that counts
A major concern of investors worldwide is the expectation for low returns for the foreseeable future. The consensus among economists, academics and other investment experts is that today’s low interest...
View ArticleThe Illusion of Average Returns
In order to make smart financial decisions including how to invest and how much to spend today and save for tomorrow, investors need to develop average long-run return projections for stocks and bonds....
View ArticleBeware of High-Yield Investments
Today’s low-yield environment has left investors frustrated and searching for a reasonable return on their money. Seniors who rely on their portfolio income to help fund spending needs are especially...
View ArticleShould you convert to a Roth?
A Roth IRA conversion is the process of transferring funds from an existing traditional IRA to a Roth IRA. The decision to convert presents an interesting quandary for investors. When you convert to a...
View ArticleThe Problem with Predictions
“The members of the Barron’s Roundtable see a year of modest gains for U.S. stocks, trouble for bonds, and good news for gold.” This was author Lauren Rubin’s lead in to her January 2013 Barron’s...
View ArticleStages of the Financial Life Cycle
In my last blog I introduced the economic theory and field of study of life cycle finance, a principal goal of which is to construct a useable framework to help individuals improve their financial...
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