If you own a small business, chances are you expect to use the equity you’ve built up over the years to fund all or part of your retirement. At the same time, you may want to pass on ownership of the business to your family to ensure that they can benefit from it beyond your…
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If you’ve been working for a midsize or larger employer, chances are you’ve been utilizing a 401(k) to save for retirement. And even if you haven’t, you probably have an Individual Retirement Account (IRA) into which you’ve been saving every year. The great thing about these savings accounts is that the IRS gives you a…
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For those of you who have not been following recent news about the Federal Reserve Bank (the Fed), Janet Yellin, Chair of the Board of Governors, announced some time ago that the Fed is likely to raise interest rates at its upcoming September 16th meeting. Historically the Fed has always been vague about discussing the…
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Having just lived through a couple of the most volatile stock market weeks we’ve seen in a long time, it’s natural for your thoughts to shift to capital preservation. From the 1980s through the dot com bust you could have allocated a portion of your investment portfolio to money market funds knowing that it would…
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The 531 point drop in the Dow Jones Industrial Average on Friday August 21st was certainly headline-grabbing in its magnitude. It represented a one-day 3.1% drop in the index and resulted in a 10% correction from its high in May. It’s completely natural during such times for your stomach to turn over as you worry…
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You’ve probably heard or read that you should periodically rebalance your investment portfolio. That means selling assets from asset classes that currently exceed your target allocation and buying more in asset classes that lag, in order to maintain your target allocation over time. The presumed benefit is higher returns, reduced portfolio risk, or both. Unfortunately,…
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