Archive - July 14, 2009

1
If you Invest; There’s One Thing You Must Know
2
Does My Employer Have Control Over My 401k?
3
Why You Should Use Commodities in Your Portfolio

If you Invest; There’s One Thing You Must Know

If You Invest, There's One Thing You Must KnowBefore you take advice on how to invest your money, the one thing that is paramount to know is the different legal safeguards and standards of care depending upon from whom you receive your financial advice.

You have three options for receiving investment advice:

1) Registered Investment Advisor (RIA). According to state and federal law anyone providing financial advice for a fee must be registered with his or her State or the federal government as a Registered Investment Advisor (RIA). These individuals are paid a fee by their clients for the advice and are called “Fee–Only” Advisors. They have a …

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Does My Employer Have Control Over My 401k?

So you’ve set up your 401(k) with your employer’s administrator, made your allocation choices, and everything is set to go. You’ve got this retirement saving thing by the tail, right?

Not so, Mona Me. (or is that mon ami?) Or at least not completely so. You see, way back in the bad old 2006’s (before all the hope and change), Congress passed the Pension Protection Act, which had a provision in it that allows employers to automatically enroll employees in retirement plans, and even make default investment choices for them.

Doesn’t apply to me, right? Since I enrolled on my …

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Why You Should Use Commodities in Your Portfolio

What Are Commodities?

First of all, let’s talk about the nuts and bolts of commodities as an investment.  These are among the oldest type of investments in our financial marketplace, and the trade of commodities grew out of the need by both producers and consumers of various goods to reduce price risk into the future.  It could be a farmer hoping to nail down a price for his crop in advance, or a convenience store chain locking in a price for gasoline… the idea is to reduce risk of volatility in prices when either the need to consume is ripe, …

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