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Monthly Archives: March 2012
Finance Friday: The Prediction Game
Everybody has an opinion about the future: what’s going to happen to the stock market, when will interest rates rise, who’s going to win the presidential election, which basketball team will win the Final Four, and so on. The only … Continue reading
The Folly of Predilection for Prediction
We’ve all seen the mutual fund disclaimer: “Past performance is no guarantee of future results.” But if we’re honest with ourselves for just a moment, don’t we all look at a fund’s track record to see if it’s worth investing … Continue reading
Posted in Retirement Wealth
Tagged cigarette smoking, Investing, investment, Mutual fund, prediction
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Finance Friday: Investment Lessons from Your Own Backyard
From the gardening center at Integrity Financial Planning, we can learn a few lessons about investing from mother nature. Here in mid-March, some trees and plants are already in full bloom. Others are just barely beginning to show their new … Continue reading
Posted in Retirement Wealth
Tagged Asset, diversification, Financial plan, Financial Planning, Garden, investment, Plant, wealth
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Big Decisions Near Retirement
As you approach retirement, if you’re like many soon-to-be retirees mentioned in various surveys, you have a big question to answer: how will you convert your retirement savings into lifetime income? In other words, you’re transitioning from the “savings phase” … Continue reading
Finance Friday: Rising Gas Prices & Your Retirement Accounts
When gas prices change quickly at the pump, we notice. After all, gas prices are posted every few blocks in the city, so the frequency of gas price exposure is high. On average, every 10 cent increase in gas prices … Continue reading
A Rollover Primer Part 4: A Big Common Mistake with Common Stock
If you have employer stock in your retirement plan (typically in a 401k or an employee stock ownership plan), rolling over that stock to an IRA when you leave that employer may be a mistake. As always, it depends on your … Continue reading
Posted in Retirement Wealth
Tagged 401k, employer stock, Individual Retirement Account, IRA, net unrealized appreciation, NUA, rollover, Roth IRA
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Finance Friday: Lowering Retirement Healthcare Costs
The number one concern regarding retirement security in various surveys is rising healthcare costs. Bureau of Labor statistics show healthcare costs as a percentage of household expenses rise from 8% in our 50s to 15% in our 70s—nearly doubling! But … Continue reading
A Rollover Primer Part 3: Common Mistakes Costing Big $$
You’ve changed jobs (or lost a job), and you want to move your retirement plan money from your former employer to your IRA. If that money rolls over directly from your employer’s plan to your IRA (typically called a “direct … Continue reading
Finance Friday: The Golden Years Have Become Rusty Years
“I expected to be in a better place. The golden years have become rusty years.” That was a sobering quote from a retiree in Boston, sharing his real-life experience in a video interview and looking back at some early-life decisions … Continue reading
