A recent poll by the Investor Protection Trust, a non-profit devoted to investor education, found that almost 60% of respondents — all professionals who work with the elderly — deal with elderly victims of investment fraud “quite often” or “somewhat often.” The respondents included state securities regulators, financial planners, medical professionals, social workers, caregivers, and…
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Vanguard, the large mutual fund company, recently released a study that attempted to answer the following two questions: Do hedge funds consistently outperform standard market benchmarks? Do hedge funds represent “alternative” investments with good diversification potential relative to stocks & bonds? Vanguard’s conclusion: “No” to both questions. Titled “A mixed bag: Performance of hedge fund…
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The President’s Advisory Council on Financial Capability recently released Money as You Grow, a website that provides 20 essential, age-appropriate financial lessons—with corresponding family activities—that kids need to know as they grow. Written in down-to-earth language for children and their families, Money as You Grow is intended to help parents equip kids with the knowledge…
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I’m frequently asked by people facing layoffs or early retirement whether or not it’s better to keep your pension and 401(k) or roll them over to a traditional IRA (assuming the pension allows lump-sum rollovers). Here is a table comparing these choices. Given all these differences, what’s the right choice? It depends. If you are…
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According to a recent Employee Benefit Research Institute study, the proportion of retirees living below the poverty line has been growing steadily since 2005. Poverty rates for people ages 65 to 74 climbed from 7.9 percent in 2005 to 9.4 percent in 2009. The increase was even steeper for older retirees, jumping from 7.6% to…
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I mean that quite literally. Volatility causes a drag effect on investment returns. And although modern portfolio theory teaches that investments with expected higher returns generally have higher volatility, volatility itself always negatively impacts returns. This is not a theory but a mathematical fact that can easily be demonstrated. Let’s take a hypothetical example. You’ve…
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