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September 2014

The ABCs of bond yields

Originally published on Marketwatch.com http://www.marketwatch.com/story/the-abcs-of-bond-yields-2014-09-24/print Retirees who want fixed income as part of their asset allocation have several alternatives to choose from. You can use bond funds, buy individual issues or a combination of the two. If you prefer funds, you can use exchange-traded funds or traditional mutual funds. You can further choose from using managed funds or passive funds that track a bond index. One advantage to mutual funds …Read More

Understanding your 401k plan

Ever since the Revenue Act of 1978, when the 401k plan was established by congress, 401k plans have played a major role in most Americans retirement planning. Even though over 60 million employees take advantage of their employer’s retirement plan, a surprising number don’t fully understand some of the important details in how their plans work. A study done by AARP found that 83 percent of plan participants don’t know …Read More

Why trusts aren’t just for the wealthy

Originally published on Marketwatch.com http://www.marketwatch.com/story/why-trusts-arent-just-for-the-wealthy-2014-09-09 Trusts are one of the essential tools of any estate plan. According to a recent study, over 70% of U.S. households with a net worth greater than $1 million use trusts. The probate process can be lengthy and expensive and should typically be avoided at all costs through the use of trusts. There are many different types of trusts for various purposes and competent legal …Read More

Learning the basics of bonds

Originally published on Sierra Sun Tahoe Tribune http://www.tahoedailytribune.com/news/opinion/13034234-113/bonds-bond-yield-rate Fixed income investors today have had a difficult time finding yield with the record low interest rates we’ve seen. Bond investors can choose between using mutual funds or can purchase the individual bonds themselves, depending on what is more suitable for their own unique situation. If you are shopping for bonds, there is some basic terminology that you’ll need to understand to …Read More

Measuring a stock’s valuation

Originally published on Sierra Sun, Tahoe Daily Tribune http://www.tahoedailytribune.com/news/opinion/12940183-113/price-cash-value-flow Legendary investor Warren Buffet once said, “Price is what you pay. Value is what you get.” Two major styles of investing are known as growth and value. Growth investors seek companies who are rapidly growing their earnings and profits. Value-oriented investors search for stocks who are trading at a reasonable valuation relative to their peers. There are several common metrics for …Read More