April 6, 2009 | FIGuide

Examine Your Retirement Plan’s Stable Value Fund Closely

Apr 06 2009

Many employer-sponsored tax-deferred retirement plans, including 401(k)s, offer a unique investment option called a “stable value” fund. If you’ve invested in such a fund, you should take a close look at what’s inside – its value might not be as stable as you think.

For years, I’ve had some of the money in a 401(k) plan with my former employer invested in something called the “fixed income fund.” The fund documents describe it as a conservative cash-like investment with a $1.00/share price. Over the years, the fund has always yielded more than a money market fund; its current yield is …

Does your advisor put your interests first?

Apr 06 2009

Here’s an audio file you must hear before you hire a financial advisor. It’s a brief recording about how advisors are paid.

Your Best Interests PSA…

The Financial Plan – Why it is Important to Limit Loss

Apr 06 2009

The Pain to Gain Ratio

If you lose 5% of your portfolio, it takes a gain of 5.3% to get back to even.
If you lose 20% of your portfolio, it takes a gain of 25% to get back to even.
If you lose 50% of your portfolio, it takes a gain of 100% to get back to even.
If you lose 90% of your portfolio, it takes a gain of 900% to get back to even.

Conclusion: If you limit your losses, the road back to prosperity is much easier. Work with your financial advisor to develop an investment

Archive - April 6, 2009