The latest report on college costs published by the College Board brought some good news: The increases in tuition and fees for the 2014-2015 academic year were lower than the average annual increases in the past 30 years across all sectors included in the study. Yet even though college price increases are not accelerating, the […]
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‘Market Commentary’ Category
Stocks and stock mutual funds are often grouped according to size, or “market cap,” a term that represents the total dollar value of a company’s shares.1 Market cap is calculated by multiplying a stock’s price by the number of shares outstanding. For instance, if XYZ Corp. had a price of $25 per share and had […]
Americans are on the move, not only in their leisure pursuits, but in their jobs as well. According to the Bureau of Labor Statistics, about 38% of U.S. workers change jobs every year. If your employment situation changes, do you know what your choices are for managing the money in your 401(k) account? Generally, workers […]
Shares of common stock play a role in just about every investment portfolio. This article is for those who’d like to know more about where their savings might be invested. Here are the basics: Stock (sometimes called equity) represents ownership of a company, divided among the company’s shareholders. While any company can issue stock, only […]
Thinking of tapping the equity in your home to do a renovation, buy a second home, or consolidate debt? Before you decide which borrowing option is right for you, it’s important to understand the main differences between the two options. Home Equity Loan Home Equity Line of Credit (HELOC) Fixed interest rate for the […]
Nobody likes to pay taxes. That’s why investors naturally are interested in earning tax-free income. Municipal bond issues are a very popular way to earn tax-free income and, if income is reinvested, achieve tax-free compounding of returns. Municipal bonds (also known as “munis”) are fixed-income investments that can provide higher after-tax returns than similar taxable […]
Dividend-paying stocks provide investors with tangible returns on a regular basis regardless of market conditions. This can benefit a range of investment styles and management strategies — from completely passive indexing to active buy-and-hold selection to aggressive trading and arbitrage. Passive Dividend Portfolios In 2014, a portfolio composed of all stocks in the S&P 500 […]
The disadvantages, if any, may stem from the financial trade-offs that a mortgage holder needs to make when paying off the mortgage. Paying it off typically requires a cash outlay equal to the amount of the principal. If the principal is sizeable, this payment could potentially jeopardize a middle-income family’s ability to save for retirement, […]
First the bad news: The cost of a college education has skyrocketed, increasing at a rates well above the general inflation rate in recent years. Now the good news: Your options for setting aside college money in tax-efficient investment accounts have increased as well. For example, in 2001 Congress enhanced 529 plans and Coverdell Education Savings […]
Global market volatility ramped up last summer as worries about the tenuous state of the Chinese economy shook virtually all major financial benchmarks, indicating once again how interrelated the world’s economies and investment markets have become. Widespread uncertainty has not only heightened anxiety among investors, it was also a likely contributor to the Federal Reserve’s […]
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