In a previous blog, I shared a three-question financial literacy assessment that is used widely in the United States and in many other countries as well. It was developed over 20 years ago by two college professors, Lusardi and Mitchell. The questions cover the concepts of compound interest, inflation, and risk diversification. I promised a […]
FINANCIAL LITERACY ASSESSMENT #2 Read More »
Help for those in their early 60’s Are you worried that you may need to work far into the future, or change your lifestyle dramatically in retirement, or both? How do your retirement savings compare to others? The Average For many people, an employer sponsored 401(k) retirement savings plan houses their largest retirement account. Vanguard,
NEED A BOOST TO YOUR RETIREMENT SAVINGS? Read More »
Are you retired or is retirement within sight? Congratulations! Now you can do all those things you have dreamed of doing in your leisure years – travel, spend time with family, volunteer, play more golf or pickleball, or try something new. Up to this point, you have probably focused on growing your wealth within comfortable
THE THREE BUCKET INVESTMENT PORTFOLIO Read More »
If you read financial information on social media or subscribe to publications, you very likely have seen references to direct indexing. What is it and is it something you might consider? First, a quick review of indexing as the term is used in investing. What is indexing? “An index is a method to track the performance of
A DIRECT INDEXING APPROACH TO INVESTING Read More »
This is the second in a series covering some of the words used to describe different aspects of the stock market. The characteristics of and differences between domestic markets, international markets, emerging markets, and developed markets were covered in the first blog, Are Stock Descriptions Confusing? Today I will cover descriptions and the importance of
WHY IS MARKET CAPITALIZATION IMPORTANT TO AN INVESTOR? Read More »
When you hear someone talk about the stock market, do you understand the terms they use— domestic markets, international markets, emerging markets, developed markets; small- mid- or large-cap stock; growth or value stock? Is the jargon confusing? Understanding these terms will help you navigate the world of stocks. This blog will cover broad market definitions.
ARE STOCK MARKET DESCRIPTIONS CONFUSING? Read More »
Every day I receive an email from a site called WordDaily. I love to challenge myself to guess the meaning of the word. Recently eigengrau was the Word of the Day. I recognized its German origin and the “gray” part but not the entire meaning of the word. Eigengrau – Noun The dark gray color
A LESSON FROM EIGENGRAU Read More »
The beginning of a new year is always a good time to review and readjust your investment portfolio. We have just gone through an extraordinary climb in the market, represented here by the S&P 500, in a relatively short period of time. However, as you can see, it is not without its downturns. What is
What’s the difference, you ask. Aren’t they the same? The answer is “no” and, depending on your situation, you may want to use one, the other, or both. Let’s take a deeper look. Money Market Account A money market account, sometimes called a money market deposit account, is a type of bank or credit union
MONEY MARKET ACCOUNT OR MONEY MARKET FUND? Read More »
One of my previous blogs covered saving for short-term goals. Now it is time to look at options for investing to reach your long-term goals. Remember that investing is only appropriate if your living expenses are covered, your debt is under control, and you have built an emergency fund. After that it may be time
WHERE CAN YOU INVEST? Read More »