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Categories
Monthly Archives: March 2010
What if Your Employer Offers a Weak 401(k) Plan?
Recently, I developed several financial plans for clients who work for employers with weak 401(k) plans. These plans have few investment options, don’t offer proper diversification tools, and utilize mutual funds with poor track records. What did I advise these clients to do? It depends on the individual’s personality. Visit this link to learn potential [...]
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The Mutual Fund Funnel
A financial plan should include an investment management section which outlines your strategy for managing your investment portfolio. First and foremost, this section should identify an appropriate asset allocation mix between stocks, bonds, and cash. This mix should coincide with the investors’ risk tolerance. Next, the plan should determine a diversification strategy that outlines how [...]
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The Benefits of Financial Planning — Investment Management
One of the major components of a financial plan is a complete, objective analysis of your investment portfolio. Note, a portfolio analysis is only one element of a comprehensive financial plan. If your financial advisor presents you with a review of your investments but not a retirement, insurance, estate, and tax analysis, you do not [...]
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The Hidden Costs of Mutual Funds
According to the Wall Street Journal, the average U.S. stock mutual fund has an expense ratio of 1.31%. Investors pay these fees to compensate a mutual fund manager and cover operating expenses. However, the expense ratio isn’t the only fee investors must pay when owning a mutual fund. Trading costs, which aren’t required to be [...]
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A Change of Scenery