Were you aware of a little-known tax credit called the Saver’s Credit? Low income workers who save for retirement using a 401(k), IRA, or Roth can earn a tax credit worth up to $1,000 for individuals and up to $2,000 for couples. Formally known as the Retirement Savings Contributions Credit, this tax credit was first…
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You may be familiar with the term “tax loss harvesting.” Towards the end of each year, many investors routinely sell assets such as stocks or mutual funds with embedded losses in order to offset the current taxes they will have to pay on gains from other assets. This strategy generally works well during periods of…
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You may not be aware that you can utilize a retirement plan for investments other than stocks, bonds, and mutual funds. There are numerous custodians that will help you take the money in your retirement plan and buy land, paintings, unregistered securities, or even self-finance a new franchise or business start-up. And you get to…
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I never thought I’d find myself writing about politics, but a recent 60 Minutes interview highlighted the need for someone to speak out. As I write this, the election is over, and things haven’t changed much. The Democrats still control the White House and the Senate, and the Republicans still control the House. Our country…
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There are many indicators that provide clues as to the future performance of one or more capital market asset classes. Unfortunately none are perfect, otherwise 2008 might not have turned out so ugly. Today I’d like to explain two useful indicators that bond investors would do well to heed: LIBOR and the TED spread. LIBOR,…
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I’ve written often about the importance of saving for retirement. And also about the value of starting as early as possible to maximize the compounding of your returns over time. Well, why not start saving as a child? With a little help from you, even your younger children can start a Roth IRA to shelter…
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