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1
What Is A “Risk-Free” Guaranteed Investment Return?
2
Protecting your “most” important number!
3
Converting your IRA into a Roth IRA – What to Know
4
Warren Buffett: What to Look for in an Investment
5
Did Obamacare Impoverish Employee’s Retirement Benefits?

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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Protecting your “most” important number!

What is the most important number you possess which is with you from birth to death?  Your Social Security number! Newborns receive their unique number within a few weeks of their birth, where it is used throughout their lives to be claimed as a dependent on their parent’s tax return, apply for that first job, to identify them for credit purposes and eventually to allow them to file for benefits based on their lifetime earnings.  Because of the importance of this number throughout your life, it is equally important to protect and review the information tied to it throughout your …

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Converting your IRA into a Roth IRA – What to Know

A 60-second read by Nicholas Scheibner:  The main difference between a Traditional Individual Retirement Account (IRA) and a Roth IRA is that with a Roth IRA, you pay taxes upfront, so that when you are in retirement, you can make withdrawals tax-free. If you are considering converting your IRA into a Roth, here are a … Continue reading Converting your IRA into a Roth IRA – What to Know Read More

Warren Buffett: What to Look for in an Investment

There are a lot of investment experts out there and Warren Buffett is one of the best. He isn’t the flashiest but he has longevity. In “Warren Buffett: My Greatest Investing Advice And The Investments Everyone Should Make,” the man known as the “Oracle of Omaha” discusses how he became interested in investing and talks about what he looks for in an investment.

Buffett is honest that in some ways he followed in his father’s footsteps since his father was also in investing. Buffett would tag along with his father and read things in his office. However, you …

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Did Obamacare Impoverish Employee’s Retirement Benefits?

In an interesting article, Seeking Alpha’s Senior Editor Gil Weinreich comments on a report about the unintended consequences of Obamacare on Employer Retirement Benefits:

According to [a study from Willis Towers Watson] WTW’s data, total employer retirement contributions (weighted by employer size) have fallen from 9.1% of employee pay in 2001 to 6.8% in 2015. That’s a reduction of about 25%!

And lest you say that employers have grown stingier – despite reported corporate earnings soaring during the period – the WTW report shows that total employer benefits increased from 14.8% per employee to 18.3% during the period, an increase

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