What You Should Do When the Stock Market Swoons

Nothing. Now, what would be really great is if we could invest more money in the stock markets when they are going up and get out of the stock markets when they are going down. Our return would be much better if we could avoid those nasty market downturns. Many attempt to do just that, … Continue reading What You Should Do When the Stock Market Swoons

How to Take Advantage of the Mutual Fund Company Price Wars

Fidelity has added two zero cost funds to their line-up of low-cost index mutual funds. One fund tracks the U.S. stock market and the other tracks international markets. These new funds are the latest volley in the index fund price wars. So it's a good time to talk about the impact of fees on your … Continue reading How to Take Advantage of the Mutual Fund Company Price Wars

How to Lose Money with Every Dollar You Invest

Recently I was helping my daughter with her bank account and noticed a $1 withdrawal labeled "Stash Fee". It was a fee to robo-adviser, Stash. Normally I would be thrilled by the good news that my daughter was saving and investing. But in this case I wasn't. I had a couple of concerns, but the biggest … Continue reading How to Lose Money with Every Dollar You Invest

The Stock Market is at Record Highs. Should You Get Out?

Both the Dow Jones Industrial Average and the S&P 500, the venerable U.S. stock market indices, closed near record highs on Friday, October 13th. Both indices have been steadily climbing all year. The Dow, including dividends, is up 17.92 percent and the S&P, also including dividends, is up 15.86 percent just this year. The run … Continue reading The Stock Market is at Record Highs. Should You Get Out?

There are Only Three Investment Categories

Investing your hard earned savings can be daunting. There are so many options it can be hard to figure out what to do. You likely have several investment options in your 401(k). And what about all the other options? Are IRAs or ETFs right for you? You can untangle the mess of terminology and options … Continue reading There are Only Three Investment Categories

Home or Retirement?

The housing market in many areas of the country has seen dramatic increases in prices over the last five years. Home prices in coastal metro areas, like Portland, seem to be on fire. If you don't already own a home, your hopes of buying one may be dimming as each month brings higher prices. It takes … Continue reading Home or Retirement?

Where to Stash Your Emergency Cash

As a saver, your first priority is to build up savings for an emergency, namely the loss of your job. Most people need at least three months of expenses set aside to bridge the gap between paychecks should the unthinkable happen. But where should you put your emergency savings? The conventional wisdom says that you should … Continue reading Where to Stash Your Emergency Cash

Paying Off Your Mortgage is Worthwhile Despite Low Interest Rates

I often get asked whether you should pay off your mortgage early. In these times of low interest rates it doesn't seem like you gain much when you do. For a number of reasons, paying down your mortgage shouldn't be your first priority, but if you are otherwise out of debt, and you are meeting your … Continue reading Paying Off Your Mortgage is Worthwhile Despite Low Interest Rates

Robo-Advisers Can be Better than Human Advisers for Small Accounts

Do you work with an investment adviser? How often do you meet with your adviser? What do you talk about beyond the investments? What are you paying for your advice? Unfortunately, for too many people who answer yes to the first question, particularly those with small balances (less than $1 million), the remaining answers are … Continue reading Robo-Advisers Can be Better than Human Advisers for Small Accounts

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