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What could go wrong with trying to time the market?

Market Timing 101 (Part 1)

Key Points

  • The opportunity cost associated with the poor timing of initial investment allocations can be significant.
  • After missing out on a period of good performance some investors may be further compelled to employ additional timing measures that can further exacerbate under-performance.
  • Market timing, the tactical timing of when to be invested and when not to, although sensible at a high level, is far easier said than done.

Continue reading → What could go wrong with trying to time the market?

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Don’t Miss Out, You’ll Regret It (Part 7)

Key Points

  • Housing, education, and healthcare costs continue to rise year after year.
  • The rise in these three categories of spending have outpaced other categories for many decades.
  • If this trend were to continue unabated, almost all household income will eventually end up going into these three buckets alone.
  • This path is unsustainable on many levels. Yet, for now there are government programs out there that can help soften the blow. Not ideal, but better than nothing.

Continue reading → Don’t Miss Out, You’ll Regret It (Part 7)

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Careful. There’s more to think about than just your IRA.

Don’t Miss Out, You’ll Regret It (Part 6)

Key Points

  • There are many tax-advantaged investment options beyond IRAs.
  • Similar to Traditional and Roth IRAs, there’s Traditional and Roth 401ks.
  • Then there are Simple IRAs, SEP, etc.

You would be locking away over $50,000 a year in tax-advantaged accounts. But only if you take advantage of all of your options. Read on for more about these less-well-known retirement plans.

Continue reading → Careful. There’s more to think about than just your IRA.