IRA Contributions are Low

According to a study released in January 2017 by the Investment Company Institute (ICI),the majority of US households do not contribute” to IRAs (individual retirement accounts).

Financial Literacy: Self-Perceptions vs Behavior

In July 2016, FINRA released the results of the most recent National Financial Capability Study, and the findings were not good. FINRA, the Financial Industry Regulatory Authority, regulates the financial-services industry.  

Sales Charge Waivers - Are You Getting Yours?

If you are a mutual fund investor, check your mutual fund prospectus for fee waivers. Look for language such as “Waivers for Certain Investors.” For example, one prospectus I reviewed provided waivers for “an employer-sponsored retirement plan with at least 100 participants or $500,000 in plan assets.” 

Monte Carlo? Or Sensitivity Analysis?

Retirees need to face the dilemma of having to project 20 or 30 or more years ahead. How does someone assess the future with all of its unknowns, including inflation, taxes, health, longevity and, of course, the uncertainty of the financial markets themselves? 

Saving for Retirement is a Common Source of Stress

A new survey released August, 2016 by Schwab Retirement Plan Services Inc. highlights how saving enough money for a comfortable retirement is, in fact, the most common “financial stress inducer” for people of all ages, even millennials.

Shareholder Class Actions

Have you ever received a notice in the mail about a shareholder class action for a stock you owned at one time? Have you ever wondered how these types of class actions are initiated?

Bulls and Bears

If you have a long investment horizon and your goal is to accumulate wealth, moving out of the market in anticipation of a decline is not a good strategy. Why? Only hindsight can tell you whether you are making a good decision.

Is SHE Worth a Look?

Does gender matter in business? Institutional investors are starting to think so.

National Financial Capability Study Released Today

This afternoon, the FINRA Investor Education Foundation and GFLEC are releasing the results of the 2015 National Financial Capability Study (NFCS). The NFCS is an ongoing, multi-year project aimed at monitoring and better understanding financial capability in America. 

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