As health care costs continue to rise, consumers must find ways to ensure that they have the funds to pay for medical expenses not covered through their insurance. One way to save specifically for health care costs is to fund a health savings account, or HSA.HSAs are tax-advantaged savings accounts set up in conjunction with […]
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‘Investing Insight’ Category
The challenge with taking withdrawals from a traditional portfolio is the “sequence of returns” danger. Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern.The first is to have a pool of very liquid assets to […]
The bankruptcy filing of the city of Detroit has left some investors questioning their long-held assumption about the relative safety of municipal bonds.¹ Without question, in the wake of Detroit’s troubles, gaining a better understanding of municipal bonds makes more sense than ever.²At their most basic level, there are two types of municipal bonds: General […]
At first blush, the idea of a bond that doesn’t pay interest seems oxymoronic. After all, isn’t a bond a debt instrument that pays periodic interest and repays the principal at maturity?¹Zero coupon bonds are indeed debt instruments but are issued at a discount to their face value, make no interest payments, and pay its […]
Inflation sometimes seems like one of those afflictions of an era long since passed into the history books. While it’s true that double-digit inflation has been absent for the last 30 years, you may remember the high inflation years of the 1970s.¹Will the levels of U.S. public debt and loose monetary policy revive the inflation […]
Whether it’s sports, music or politics, life holds any number of “great debates”—debates that never seem to reach a conclusion. In investments, that great debate asks the question, “Active or Passive Investing: Which is Better?”The fascinating aspect of this debate is that equally intelligent people can argue polar opposite positions, leaving the rest of us […]
With international stock markets comprising about two-thirds of the world’s capitalization, a broad range of investment opportunities exist outside the borders of the U.S.¹ For investors who are looking to diversify their mutual fund portfolio with exposure to companies located outside the U.S., there exist two basic choices: A global mutual fund or an international […]
Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision is better than no decision at all.”¹This investment inaction is played out in many ways, often silently, invisibly and with potential consequence to an individual’s future financial security. Let’s review […]
Seems Reasonable, So Let’s Carry On 20 November 2013 It still doesn’t feel like mass prosperity—perhaps because it isn’t—but 2013 is shaping up to be the best year for the U.S. stock market in the nine-year run of Dividend Investor to date. As of this writing Nov. 13, the S&P 500 Index stood at yet […]
A Noble Lie 15 November 2013 A common nugget of wisdom passed down from on high to the masses is to “buy and hold,” which really means several things: Set fixed allocations to stocks, bonds, and cash; dollar-cost average into the portfolio with periodic purchases; and, above all, stay the course. I tell investors to […]
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