Blog Posts
IRA Pointers At Tax Time
Around this time of the year, when the tax reports are coming to your mailbox, you might be wishing you could do something about your upcoming tax bill. Well, maybe you can for your 2013 return, and for your 2014 return as well! Did you or your spouse work in 2013?...
Young Savers: How to Retire a Millionaire
I was quoted in an article the other day about what young people can do to begin saving for retirement. The article outlines a lot of great concepts and analogies: Early Earl and Late Larry, a great chart showing the time value of money A snowball rolling down a hill...
Cash Plus: Our Cash Strategy
We’ve built a cash strategy for Tier II and Tier III for investors with lots of cash sitting on the sidelines earning next to nothing. We are recommending a short-term bond portfolio as outlined earlier. It would consist of 5-6 conservative bond investments, reviewed...
Creating a Cash Strategy
Your cash strategy should consist of three tiers, with each one having a specific objective: Tier I: Immediate Objective: Meets your immediate needs to pay bills and serve as your emergency cash fund. Products to use: Focus on bank deposits and money market funds Tier...
A Step Out On the Risk Curve From Cash
Cash and money market funds pay next to nothing but then again you aren’t taking on much risk. If you’re exploring what to do with cash but not ready to go in stocks just yet, the next logical step is to look into short term strategies. A little extra risk for a...
Analyzing the Pros and Cons of Where to Park Cash
The common options for cash can be complex and confusing. These tend to be the three most common options: Bank Deposits Pros Stable and often insured Easily accessible. Flexible rates. They can increase Cons Very low rates on deposits. You’re lucky if you can find...
The Role Cash Serves in a Portfolio
Cash in a portfolio should have a specific role in a portfolio. We see cash as fitting in one of these three categories: Liquidity provisions: this is to cover expenses and emergency funds. This includes money to pay for the mortgage, the unexpected new roof, basic...
The Risks of Having High Levels of Cash
Investors have been keeping record high levels of cash in their investment accounts and savings accounts. It’s a logical place to park money for a while. It’s relatively safe, readily accessible and a very common practice. Unfortunately, many investors are moving to...
Technological Unemployment: Is It Different This Time?
In the past, technological advancements ushered in new industries and created new jobs that were better, safer, and offered better pay. A small fraction of the population are farmers today and their producing more food than ever before. Up until recently, technology...
Should You Be Rotating Out of Bonds?
This past summer, we may have seen the warning we needed when it comes to the portion of your portfolio in bonds. Interest rates can’t go down any more, they can only go up. This could result in the value of your current bond holdings going down. This is discussed as...
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