One of the problems many employees have faced over the last decade is the rapid disappearance of the traditional company pension plan – also known as a defined benefit (DB) plan – in favor of defined contribution (DC) plans. With DB plans, the investment risk is completely borne by the company, while the opposite is…
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With Americans being forced to take more and more responsibility for their retirement savings and growth, the need for making better financial decisions is becoming paramount. Unfortunately, a recent survey by LIMRA, a life insurance market research association, designed to test the financial literacy of the average American, shows that we still have a long…
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Now that the Powerball lottery has arrived in California, I thought it would be good to talk about the impact of unexpected or sudden wealth on one’s life. We’ve all probably dreamed at one time or another about how fantastic our lives would become if we could only win the lottery. I’ve no doubt there…
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The Social Security Administration gives retirees the option of collecting social security (SS) benefits as early as age 62. But they offer a much higher monthly benefit if you choose instead to delay collecting benefits until age 70. How much more? According to Elaine Floyd of Horsesmouth, LLC, a financial advisor consulting company, if you…
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One of the most widely debated investment approaches among financial planners involves active versus passive management, especially when investing in stocks. Indeed, this debate has taken on many of the attributes of a holy war. Those supporting passive investing argue that the odds of any individual investor putting together a portfolio that can consistently beat…
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If you’re like many investors, you like the diversification and perhaps the active management that many mutual funds offer. And there are lots of resources available for you to identify, compare, and choose funds in which to invest. Let’s say you’ve decided to put some of your money into the Pimco Total Return Bond fund.…
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