Category - Investing

1
Problems and (proposed) Solutions for 401k Plan
2
What Happens To Stocks When Interest Rates Change?
3
The Equity-Indexed Annuity
4
Put Your Money to Work for You
5
Retiring at 43?! #FIRE

Problems and (proposed) Solutions for 401k Plan

The 401k plan has been under a great deal of scrutiny lately, with quite a few proposals being offered to “fix” the system.  Granted there are a few problems with the system that is in place, but the overall concept is still good.  What follows is strictly my opinion of some of the real “problems” followed by a look at the presently proposed solutions that are being dallied about.

The Problems With 401k Plan

Note: for the purpose of this discussion (and most discussions here) the term 401k is used to refer to all CODA (Cash Or Deferred Arrangements) such

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What Happens To Stocks When Interest Rates Change?

Dimensional examines US market returns and a variety of interest rates to determine if you can predict which way stocks will move when interest rates change.
Be well, The post What Happens To Stocks When Interest Rates Change? appeared first on Joss Financial Group.… Read More

The Equity-Indexed Annuity

If you’re anywhere near retirement age, or if you’re in retirement, chances are you’ve had an Equity-Indexed Annuity (EIA) pitched to you.

Now, if for some reason you’ve missed out on these pitches (Maybe you’ve been out the country? Don’t have a phone? Don’t read your mail?) here’s the gist:  Insurance salesman tells you about this wonderful product that allows you to participate in the stock market’s upside, while not experiencing any of the market downside.  In today’s stock market climate, sounds pretty good, huh?

A couple of things come into play that the salesguy doesn’t highlight for you:

First,

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Put Your Money to Work for You

According to Yahoo! Finance, 1 in Every 4 Americans is Working this Labor Day and Their Hard Work is Going Unappreciated. The article made mention of a contest in which U.S. laborers can win a paid day off.

There is always some working at something in order to keep things going. You might not want emergency service workers to all take the day off. People in the armed services cannot all take the day off. And if you went to enjoy some recreation outside of your home, you probably expected restaurants and beaches to be staffed. And since …

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Retiring at 43?! #FIRE

I read a fascinating article by Steven Kurutz in the New York Times recently, it’s titled, “Retire at 43. You’re on FIRE.”

It talks about people who have made the conscious decision to live very frugally. They save a giant percentage of their incomes so they can retire at really young ages. Not 57 early retirement, but 43 or younger!

It’s fascinating, it’s a really interesting mindset. We really hadn’t seen a lot of this before, but have in the last five to ten years. People that want to have control of their lives, be independent and decide what they …

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