Bonds should be the least amount of trouble in setting up or managing a portfolio. Here are some essentials to consider before setting your bond allocation. Ok, here we go with the basics for bond investment selection and management: Think About Your Allocation to Bonds Versus Stocks There is a big difference for a portfolio with 20% bonds versus one with 80%. If you have minimal bond exposure, … [Read more...]
12 Investing Concepts – Part 3
This is the third of several guest posts by Nathan Bush on 12 investing concepts. CONCEPT SIX—FEES It does cost money to buy, sell, and hold securities. If you need advice, that cost also (one-time fee or ongoing percentage of assets under management). The construction of indexes and funds cost money. There are sales commissions. It is your money but everybody wants some of it, and do … [Read more...]
Where Do I Put My Cash?
In our zero-interest-rate policy world, "Where do I put my cash?" is a frequently asked question. According to Bankrate.com, average savings and money market accounts are yielding only 0.47%. That's right...less than half a percent. Let's compare that to inflation. According to the Cleveland Fed, their forecast for ten-year inflation calls for an average rate of 1.82%. This means cash … [Read more...]