Category - Investing

1
Designated Roth Accounts ( Roth 401k or Roth 403b )
2
Volatility is a Two-Way Street
3
Will Millennials Be More Likely than Boomers to Leave a Financial Legacy?
4
Investment Moves to Make Before the Year Ends
5
Growth Funds Should Be Part of Your Portfolio

Designated Roth Accounts ( Roth 401k or Roth 403b )

hymen rothDesignated Roth Accounts or Roth 401k are simply 401k plans that allow employees to designate all or part of their elective deferrals as qualified Roth 401k contributions. Qualified Roth 401k contributions are made on an after-tax basis, just like Roth IRA contributions. This means that employee contributions and earnings are entirely free from federal income tax when distributed from the plan, subject to qualifications. Contributions are not deducted from income (as regular 401k or deductible IRA contributions are). This article discusses qualified Roth 401k contributions.

Caution: 401k sponsors are not required to allow Roth contributions to their plans. But if …

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Volatility is a Two-Way Street

In many cases, whenever we think of volatility we think negatively. Try it yourself. Think of the word volatility and say it out loud. What thoughts, words, or images pop into your head? Bad news? Market losses? Losing money? The color red?

The point is that we tend to give volatility a bad rap – and rightfully so. Generally, the word is thrown at us during periods of when the market, and our investments, lose value. Volatility, however, works both ways. It’s also present when the market and our investments are doing well. We just don’t call it volatility. We …

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Will Millennials Be More Likely than Boomers to Leave a Financial Legacy?

In ” Leave a Financial Legacy? Boomers and Millennials Slug It Out,” a Boomer writing for Money magazine examined statistics that seem to show that Millennials are not as selfish as news reports would have you believe:

Baby Boomers like to point out that our famously self-absorbed generation advocated for many good causes as youngsters and turned the corner to greater giving in retirement. Much of it is true. But younger generations are way ahead of us, new research suggests Boomers are the least likely generation to say it is important to leave a financial legacy—even though they

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Investment Moves to Make Before the Year Ends

You should be looking into financial planning for the coming year but there are some things you can do before the clock strikes midnight on the last day of the year that will be beneficial.  Money magazine offers its readers “7 Investing Moves You Need to Make by December 31.”

If you got a raise, raise your retirement savings rate. It is easy to keep your savings rate the same, especially if you have automatic deductions through a 401(k) with an employer but Money advises:

“If you simply stay the course and fail to raise your contribution rate

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Growth Funds Should Be Part of Your Portfolio

I’ve had some great conversations with clients recently and wish to take this time to explain a bit about growth stocks. In particular growth mutual funds.

 “Send your grain overseas, for after many days you will get a return. Divide your merchandise among seven or even eight investments, for you do not know what calamity may happen on earth.” Ecclesiastes 11:1-2

U.S. growth stocks are certainly one of the seven or eight investments I usually recommend all clients have in their portfolios. By definition, growth stocks make up about half of the S&P 500 index. In fact, about half …

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