Bad Money Habits to Break

Behaviors worth changing.   Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns, year after year. If you sometimes succumb to these financial tendencies, now is as good a time as any to alter your behavior.   #1: Lending money to family & friends. You may know […]

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Tolerate the Turbulence

Look beyond this moment and stay focused on your long-term objectives.     Volatility will always be around on Wall Street, and as you invest for the long term, you must learn to tolerate it. Rocky moments, fortunately, are not the norm.    Since the end of World War II, there have been dozens of […]

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Your Diversified Portfolio vs. the S&P 500

How global returns and proper diversification are affecting overall returns.     “Why is my portfolio underperforming the market?” This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter.   The short answer is that while the U.S. equities […]

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Investing Means Tolerating Some Risk

That truth must always be recognized.   When financial markets have a bad day, week, or month, discomforting headlines and data can swiftly communicate a message to retirees and retirement savers alike: equity investments are risky things, and Wall Street is a risky place.   All true. If you want to accumulate significant retirement savings […]

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The Snowball Effect

Save and invest, year after year, to put the full power of compounding on your side.   Have you been saving for retirement for a decade or more? In the foreseeable future, something terrific is likely to happen with your IRA or your workplace retirement plan account. At some point, its yearly earnings should begin to […]

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Beware of Lifestyle Creep

Sometimes more money can mean more problems.   “Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend.   Frequently, the newly affluent are the most susceptible. As people establish themselves as doctors and lawyers, executives, and successful entrepreneurs, they see living well as […]

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Why Regular Rebalancing Makes Sense

Your investment portfolio may be off-kilter, and you may not even know it.   Is 80% of your portfolio held in equities? Perhaps it is without you realizing it. You could invite this risk, and others, if you go too long without rebalancing your portfolio.   Some investors stick with the same asset allocation in their […]

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Try the Bucket Approach

Constructing a portfolio this way may help you ride through a bear market in retirement.   Stocks sometimes retreat. That reality can be overlooked in a long bull market. Bear markets do appear, and a deep downturn could force you to sell securities in retirement, so you can pay for necessary expenses.   Right now, you might […]

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