When it comes to saving for college, most people think about setting up a 529 College Savings Account. However, you can also use individual retirement accounts (traditional IRA or Roth IRA) as well as 401(k) plans to pay for most college expenses. But you have to make sure to follow the rules carefully; otherwise you…
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If you were to review the historical performance of any mutual fund, asset class, or investment portfolio over any period of time, you’d certainly notice quite a bit of variation in the returns. Take the S&P 500 (representing the largest 500 U.S. companies), for example. The returns from this asset class over the last five…
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I wrote last year about small business owners who plow most of their savings into their businesses to the exclusion of their retirement and other financial goals. I had cited a 2006 study by the Small Business Administration that found that only about a third of such entrepreneurs had individual retirement accounts or had made…
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First of all, what the heck are bitcoins? If you haven’t heard of them, they are one of a class of so-called digital currencies, mediums of exchange which are created and stored online, in contrast to ordinary paper and metal money. There are currently over 400 digital currencies in existence, with a total market value…
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The Securities and Exchange Commission (SEC) voted last week to impose new rules on money market funds aimed at preventing mass selling during financial panics. The most significant change was the elimination of the fixed $1 share price for certain types of funds. Mary Jo White, SEC Chairwoman, announced: “Today’s reforms fundamentally change the way…
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On top of concerns that the stock market may be highly overvalued right now, investors also have to worry about their bond portfolios. With interest rates continuing to hover around historic lows, bond investors worry that as rates rise, the value of their bonds will drop. We painfully experienced this effect last May, when interest…
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