Archive - February 2019

1
The Granddaddy of ’em All: Keogh Plans
2
Managing Your Money and Your Relationships
3
Why We Include Real Estate in Investment Portfolios

The Granddaddy of ’em All: Keogh Plans

Ah, the poor, misunderstood and neglected Keogh (KEE-og) Plan. You don’t get the press that your fancy relatives 401(k), IRA and Roth, or even SIMPLE achieve… it seems as if the investment discussion world is completely abandoning you.
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First brought into existence in 1962 (yes, it’s a late-boomer like me!) the Keogh or HR10 plan is essentially a vehicle that allows the self-employed to establish pension plans just like the big companies can. A Keogh plan can be either a defined benefit (traditional pension) or a defined contribution (such as a 401(k)) plan. The Keogh plan has the same attributes… Read More

Managing Your Money and Your Relationships

Kiplinger says “ Want to Protect Your Wealth? Then Manage Your Relationships,” noting that the way you relate to yourself and others can affect your financial outlook.

The very first person who may mismanage your money is…you. It helps to know your own habits and shortcomings and to be honest about them to maintain wealth. Otherwise, it is easy to fool yourself into thinking that you are a better money manager than you actually are. And if you think this advice is just about not overspending, think again: someone who is risk-averse may also jeopardize their financial future by …

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Why We Include Real Estate in Investment Portfolios

We construct portfolios out of various asset types in order to diversify, or spread out our risk. To spread risk we choose multiple asset types of differing profiles. Most often these asset types include domestic equities (US-based stocks) and domestic fixed income (US-based bonds), which provide for basic diversification. Then, we include additional asset types in order to achieve further diversification. Examples of additional asset types include commodities, foreign equities, foreign-denominated bonds, and real estate. It is important to keep in mind as we review various asset classes for inclusion in our portfolio, that we must achieve appropriate return for… Read More

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