Archive for The Investment Portfolio Newsletter
Investing timidly may shield you against risk … but not against When is being risk-averse too risky for the sake of your retirement? After you conclude your career or sell your company, you have a right to be financially cautious. At the same time, you can risk being a little cautious – some retirees invest [...]
What do you do if your portfolio isn’t generating a decent Do you wish you had more money these days? You aren’t alone. Many retirees find that their income streams are Right now, interest rates are at rock bottom – and it appears they will stay there for the near future. With the federal funds rate [...]
April is nearly here. Keep your IRA in Many of us associate April with taxes. We should also associate it with IRAs, for April is the month with the deadlines for IRA contributions and mandatory IRA The deadline for your 2011 IRA contribution is April 17, 2012. Yes, April 17. This year, April 15 is [...]
Little details worth paying attention to as April Every year, the IRS institutes big and little changes – and some don’t get as much notice as they should. This year is no exception. Here is a rundown of some of alterations and asterisks affecting taxpayers this Don’t forget Form 8949. If you are reporting capital [...]
One year? Three years? Seven years? It You’ve probably heard that you should retain copies of your federal tax returns for 7 years. Is that true, or a myth? How long should you keep those quarterly and annual statements you get about your investment accounts? And how long should you keep bank statements before throwing [...]
What do you do when an account owner passes away? If your loved ones have invested, saved or insured themselves to any degree, you may be named as a beneficiary to one or more of their accounts, policies or assets in the event of their deaths. While we all hope “that day” never comes, we [...]
The top five viruses that’s killing your portfolio. Are your investments sick? A good way to know usually is if you just have that feeling there is something not right with your investment portfolio. Something deep in your gut that just doesn’t feel right. Most of the reasons your investments are sick is simply making [...]
In this volatile market, perspective is valuable. 2011 will not be remembered as a banner year on Wall Street. No silver bullet has emerged to take care of the European Union’s debt problems, and after two strong years for U.S. equities, it appears stocks will make minimal annual gains or finish the year in the [...]
Here are some things you might want to do before saying goodbye to 2011. What has changed for you in 2011? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If some notable changes occurred in your personal or professional life, then you will want [...]
A recap of contribution limit and phase-out adjustments. The IRS has announced cost-of-living adjustments to IRAs and employer-sponsored retirement plans for 2012, so here is what you need to know about the newly altered contribution limits and phase-outs for these plans. 401(k) & IRA yearly contribution limits. In 2012, these are the annual contribution limits [...]