Most 529 and 401(k) plans offer a pretty broad range of U.S. stock mutual funds. There are large cap funds, small cap funds, value and growth funds, actively managed vs. passively managed funds, and occasionally even industry sector funds. When it comes to bond funds, however, most plans limit you to just one fund that…
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This has not been a happy holiday for the U.S. stock market. As of this writing the S&P 500 is down about 20%. The month of December is on track to be the worst for stocks in 50 years, and the large market drop the day before Christmas, ordinarily a quiet trading session, was record-breaking.…
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Are you holding a variable annuity (VA) that you purchased some time ago from an enthusiastic insurance salesperson? It behooves you to periodically review it to see if its purpose, cost, and value are still aligned with your financial goals. Below are some steps you can take to better understand what you bought and whether…
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Once again the capital markets are exhibiting a high degree of volatility. Yesterday the Dow fell 799 points, representing a 3.1% decline. The media attributes the loss to new uncertainty over the alleged trade “agreement” reached with China in Buenos Aires last week that had been touted so positively by Trump. Other political concerns in…
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This year has not been kind to most asset classes. US stocks are negative for the year, international stocks (particularly in emerging markets) have been clobbered, commodities are down, and even bonds have been unable to provide a positive return. Coming on the heels of 2017, one of the best years for all asset classes,…
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From October 1 through October 31 the S&P 500 dropped over 7%. And this came on the heels of a gain of over 9% between the beginning of 2018 and the end of September. Why did this happen? The explanation is quite simple although likely far from satisfactory. As I have written previously, there are…
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