Archive - October 20, 2011

1
Why This is the Best Time Ever to Be Saving for Retirement
2
The Importance of Dividend Investing in Your Portfolio
3
The Easiest Way to Protect Yourself From a Bear Market

Why This is the Best Time Ever to Be Saving for Retirement

The two biggest factors influencing how much money you will accumulate for your goals is time and the amount that you will save over this time; this far outpaces the influence investment returns have on portfolio values. For those saving for their retirement goals, the recent market decline provides a great opportunity to fully fund your retirement accounts for 2011. Rather than waiting until the tax deadline in April of 2012 to fund their Roth or Traditional IRA now may be a more opportune time to take care of this.

For those who participate in an employer sponsored retirement plan …

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The Importance of Dividend Investing in Your Portfolio

Dividend investing is important because during the Great Depression once stocks finished their decline they provided an annual dividend return of about 6%. Since stocks over the long run provided a total return of 9.5% then during the Great Depression they provided two-thirds of this figure with dividends for those investors who bought after the market bottomed out. If we go into a Soft Depression then at a certain entry point when stocks become attractively priced it may be appropriate to repeat that strategy. I feel the SP low of March, 2009 of 666 points is a fair value for …

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The Easiest Way to Protect Yourself From a Bear Market

1.) Have a long-term plan

Your investments should be diversified among stocks, bonds, and cash. Stocks in the hope of maximizing long-term returns. Bonds as a safe bet. And a stash of cash in case of emergencies.

One useful rule of thumb is that the percentage of your portfolio allocated to bonds and cash should equal your age.

2.) Don’t sabotage your plan

Try not to follow the herd if doomsday seems just round the corner. It isn’t.

You have to stay in the market, as stocks usually do incredibly well when things look bleak.
3.) Rebalance methodically

It might …

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