Since target date funds came to the forefront in the post-2008 downturn and in a legislative initiative called the Pension Protection Act of 2006, the investment has been questioned about methodology. The question academics, plan providers and investors often ask is simple: what sort of glide path is my fund on? Here is a list of questions you should ask of TDFs to determine whether they will do as promised. Target Date Funds: The Shape of the Glide Path
If you have a good idea, the thinking suggests, you keep building on it until the point of saturation. Exchange traded funds (ETFs) may not have reached the saturation point just yet but with the advent of actively traded ETFs, the tipping point may be closer than you imagine. Should you heed the call and invest in something simply because the name suggests it is the investment you need? Here are five thoughts on the state of actively managed ETFs.
Most of us make a seriously flawed assumption about retirement. This sort of assumption, according to the Center for Retirement Research at Boston College, puts 51% of American households at risk of not having enough to sustain their pre-retirement lifestyle in a post-retirement world.
Retirement Risk and Taxes
Target date funds are the darlings of the skittish post-2008 investor, the new-hire and the plan sponsor who believes they are doing the right thing by their employees. In fact, they may not answer it at all.
Join Paul Petillo on Financial Impact Factor Radio as he discusses everything from retirement to insurance, investing to estate planning, from getting started to preparing to stop. It is where talk about money comes Alive!
On this Financial Impact Factor Radio we welcome Phil Davis of Phil's Stock World to the show to explain what is essentially another language and something we have yet to discuss on the show: how to use options, puts and calls in our investment toolbox.
On the show we were joined by Bob Harris, a man who has exploited the concept of competition with his previous project Lending Tree, where he made famous the tagline; "When banks compete, you win". Now he has taken that thinking, that spirit of competition to a new, more micro level, suggesting that the competition between utilities for your business is something you should consider. As so WhiteFence.com was born.
Listen to Financial Impact Factor Radio with your host:
Using metaphors for retirement such as "journey" or "financial highway" conjure up images of something languid and purposeful, even if the destination is less clear.
Your Financial Highway to Retirement
We can't really help ourselves. And increasingly, when it comes to investing and retirement planning and simply making personal finance decisions, there is an incredibly large chance we will do so with our emotions.
Investing Heart in Hand
Today on the Financial Impact Factor Radio with Paul Petillo, Dave Kittredge and Dave Ng we are joined by Erin Arvedlund, personal finance columnist for the Philadelphia Inquirer. Her "Your Money" column debuted in 2011. And she comes with a great deal of street cred: financial journalist who has written for Barron's, The Wall Street Journal, Moscow Times, The New York Times, TheStreet.com and Portfolio.com. This interview hopes to give you some direction on where to begin, how to stay with your plan and with any luck plot a new and steadier course for yourself.
Retirement Planning is one thing for certain. It is definitely not working.
What is Retirement?
Unlike the self-directed retirement plans offered in the workplace, where the choices are limited to whatever the plan sponsor offers, the self-directed IRA holds no restrictions. Along with mutual funds, stocks and bonds, these investors also can add ETFs to their portfolio. But using this type of security requires a bit more consideration. Here's what you need to know about ETFs in your IRA.
Today on the Financial Impact Factor (with Paul Petillo, Dave Kittredge and Dave Ng) we welcome Kathleen Burns Kingsbury, a wealth psychology expert and behavioral change specialist. She teaches financial services professionals how to connect, communicate, and collaborate more effectively with their clients to increase client retention and improve profitability. She is also the author of "Creating Wealth from the Inside Out" and the forthcoming book "Women and Wealth".