Archive - October 27, 2017

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Five “No Brainer” Moves to Strengthen Your Finances
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What Is A “Risk-Free” Guaranteed Investment Return?

Five “No Brainer” Moves to Strengthen Your Finances

by Eve Kaplan, Certified Financial Planner (TM)

 

Here are 5 “no-brainer” moves you can make before year-end to strengthen your finances:

  1. Taxes: NJ AND NY RESIDENTS ALERT: If Congress pushes through tax reform that eliminates state and local tax exemptions, many NJ and NY residents (along with MA and CA residents) will be hit with tax increases. One estimate says NJ residents, for example, will need to pony up an additional $3,500 per year in taxes. Look into prepaying a portion of your 2018 property tax by 12/31/17 and front load charitable donations intended for 2018 into 2017. Your
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What Is A “Risk-Free” Guaranteed Investment Return?

The Sharpe Ratio uses in its formula the return of a so-called risk-free, guaranteed investment. But what is a so-called risk-free, guaranteed investment and how would you calculate its investment return?

It is worth acknowledging that there is no such thing as a risk-free investment. Everything has risks, even cash.

What is generally used as a proxy for the return of a risk-free, guaranteed investment is the current return of the 3-Month (90 or 91 day) Treasury Bill.

The return of the 3-Month Treasury Bill has been as high as 16.30% (in May, 1981) and as low as 0.01% …

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