A New Diversification: Tax Diversification

Taxes, taxes, taxes: those three words have thus far defined the campaign trail, as hundreds of members of government are up for re-election this year.  However, taxes aren’t just important to your government, nor your paycheck, but to your retirement plan as well. Diversifying Your Tax Risk Tax diversification has nothing to do with anything …

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One Loophole Your 401k Provider Doesn't Want You to Know About

401k programs are notorious for offering very few, yet expensive, options for their clients.  However, one loophole may save you thousands of dollars per year and let you have more control over your retirement plan. The Self-Directed Brokerage Window A small but growing minority of 401k providers now offer their clients a self-directed brokerage window, …

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4 Reasons Why I Converted My Roth IRA to a Fidelity Corporate Business Account

After managing my Roth IRA account for almost 4 years, I decided to swap it in exchange for a Fidelity business account. Of course, some of you are calling my nuts so I listed my reasons right below. 1. Can’t Wait til 59 1/2 Roth IRA is a great tool for long term wealth building, …

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4 Reasons Bonds are No Longer "Safe"

When investors think of “risk aversion,” typically treasury bonds, corporate bonds and municipal debt rank highly on the list.  In today’s economic climate, however, it appears there may be more risk in low yielding debt than there is in stocks themselves, which are generally considered to be the most risky. The Flee to Bonds With …

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2010 Brings Lower 401k Contribution Limits – What You Can Do Now

Whether you’re just getting started in your retirement planning or you’ve been a lifelong saver, important and expected news is coming for your 401k program.  Chances are high that in 2010, the federal government may actually lower the annual contribution limits of your 401k due in part to nonexistent inflation statistics. How Will I Be …

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How Golden is Your Retirement Plan?

As gold reaches $1000 per ounce and silver pushes its pre-bubble highs, investors have an increasingly vested interest in precious metals.  Once ignored for their below-average returns, metals and retirement portfolios are becoming a tried-and-true mix. Why Buy Metals? Of all the “speculative” investments, gold and silver are some of the least volatile.  The term …

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Invest in Your Emergency Fund – Instead of Your 401(k)

While a stockpile of cash is unlikely to generate any top-notch returns, for many people, an emergency fund could have prevented the financial and retirement peril created by an on-going recession.  According to a recent Monster.com poll, more than 50% of Americans have less than one-month of income saved.  After one month, those polled would …

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Are You Ready for the Next Retirement Investment Revolution?

Investors planning for retirement may finally have an opportunity to keep more of their portfolio profits.  As the cost to carry investments over long periods of time evaporates, the investing class will enjoy a higher standard of living, and banks will build a better relationship with their clients. Not Free, But Nearly In just a …

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9 Reasons Investors are Staying on the Sidelines

Actions by world governments are steering investment dollars away from the stock markets.  In addition to the economic downturn, investors have a variety of other reasons they’re not willing to rush into the market just yet. What Will Happen Tomorrow? No one knows what tomorrow will bring in the market.  There could be a huge …

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