Congress Is Investigating Target Date Funds – Should You?

This is a guest post by Neal Frankle,  CFP ®. Neal found himself in a financially fragile situation at the age of 17. Both his parents passed away while he was still in high school, leaving behind a small insurance settlement. Neal sought out a financial advisor to help him invest his nest egg so that […]

Lifestyle or Target Date Funds Are Becoming Popular, But They Can Have Pitfalls

If you invest in your company retirement plan then you are probably familiar with these funds. Some are created with a target retirement date, others are based on where you are in your financial life such as an Intermediate-Term Horizon or Long-Term Horizon fund. One of the benefits of these funds is that it makes […]

Lifecycle Funds: Look But Don't Touch

Lifecycle or target date funds are becoming more popular in retirement accounts. They provide a very easy way for investors to create a broad diversification of investments and an appropriate asset allocation for their age that rebalances accordingly. While they can be very helpful to investors, some people are not using them properly and could […]

Hedge Funds for the Average Investor?

Hedge-funds have gotten a lot of hype over the past few years, but for most investors they are out of their league; not to mention potentially risky. That isn’t to say they don’t have a place in your overall investment picture, but how can an average investor take part in a hedge-fund strategy when the […]

Brokerage Money Market Funds – A Great Cash Option

If you do any investing, you most likely have a brokerage account through one of the major brokerage firms or your local bank. When we think of these types of accounts we generally consider it the account to hold our stocks, bonds and mutual funds. By default, cash in one of these accounts may sit […]

My Employer Stopped Matching My 401k – Should I Still Contribute?

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This is one of the most frequently asked questions I’ve been receiving lately both at work and via email. Companies across the country are trying to find ways to cut costs during this recession and a prime target is the matching program on a 401k or 403b. This is bad news for employees, but the […]

Build an Emergency Fund, Pay Off Debt, or Save for Retirement? Three Competing Goals That All Need Your Attention Today

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Should You Save for Retirement or Build Up Savings? And What About Debt? What does building up an emergency fund, paying off debt, and saving for retirement all have in common? They all need to be done, and sooner rather than later. The problem is that for many people, all three of these issues are […]

Investing Made Easy With Betterment – Plus a $25 Bonus

Do you know what prevents most people from getting started with investing? The fear of choosing the wrong investment. This fear delays the decision to get started for weeks, months, and often even years. After all, when it comes to your hard-earned money, the last thing you want to do is see it vanish overnight […]

How Not to Spend Your Tax Refund

If you’re like most Americans, you will be receiving a tax refund this year. If your refund is anywhere near the average it means you’ll be getting a few thousand dollars. No, really. The average tax return for the 2010 tax year is a little higher than usual and is $3,129 so far this year. […]

This is Why You Can't Make Money in the Stock Market

In just the past decade or so many investors have been burned. Twice. Those who did a lot of investing in the late 1990s and early 2000s clearly remember the pain as their tech-heavy portfolios tanked in record time. It then took a few years to stabilize, and then a few more years to recover. […]