Curious Case Of The Shanghai Exchange

April 1, 2013

Imagine two countries. In one, the economy grows slowly and its stock market moves at a similar pace. The other country’s economy grows by leaps and bounds, but its stock market just seems to get worse and worse.

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Annuities Amid ‘Financial Repression’

January 2, 2013

In the arsenal of retirement planning tools, annuities are among the most expensive – but that does not necessarily make them the best. Entering into an annuity contract at the wrong time can be costly. A period of “financial repression,” for example, renders annuities ineffective and unattractive. Financial repression describes measures by which a government channels funds to itself as a form of debt reduction. Main characteristics include large government …

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Managing Employer Stock Positions

October 4, 2012

If your compensation at work includes stock in the company that employs you, you may end up with too much of a seemingly good thing.

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Taking Control Of 401(k) Fees

October 4, 2012

More than 60 million Americans have 401(k) plans. I bet only a few actually know the costs associated with their plans or how those costs can impact their retirements.

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U.S. Treasury Makes A Bet On Low Interest Rates

September 10, 2012

The first addition to the U.S. Treasury’s lineup in over 15 years seems to be a big gamble.

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Suffering From Financial Repression

August 6, 2012

Feeling repressed? Take two aspirin and call your central banker in the morning.

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Beware Mutual Funds Using Hedge Fund Strategies

January 6, 2012

With hundreds of mutual funds that use hedge fund strategies being rushed to market, there are bound to be some real dogs. After a decade of low stock market returns and high volatility, investors are clamoring for products that seek to profit regardless of the market environment. Mutual fund companies are doing their best to fill the void with products that employ hedge fund strategies. The $2 trillion private hedge …

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Understanding Investor Biases

October 10, 2011

Emotions and money each cloud judgment. Together, they create a perfect storm that threatens to wreak havoc on investors’ portfolios. One of the biggest risks to investors’ wealth is their own behavior. Most people, including investment professionals, are prone to emotional and cognitive biases that lead to less-than-ideal financial decisions. By identifying subconscious biases and understanding how they can hurt a portfolio’s return, investors can develop long-term financial plans to …

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Capital Gains Planning Strategies

October 10, 2011

Capital gains tax rates are at historic lows, but they are in the political crosshairs. It’s a good idea to take advantage of planning strategies now. Capital gains contribute to a taxpayer’s adjusted gross income. An investor realizes capital gains when he sells investments for more than he paid for them; capital losses are the opposite. All of an investor’s capital gains and capital losses are first combined to create …

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IPOs for Small Investors

IPOs for Small Investors September 8, 2011

IPO officially stands for “Initial Public Offering;” but on Wall Street it really means “Immense Profit Opportunity for Important People Only.”

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