Category - Investing

1
The Granddaddy of ’em All: Keogh Plans
2
Why We Include Real Estate in Investment Portfolios
3
Problems and (proposed) Solutions for 401k Plan
4
What Happens To Stocks When Interest Rates Change?
5
The Equity-Indexed Annuity

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.
keogh-plan-1
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

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

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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