Managing Capital Gain Distributions
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"My mutual fund lost money and I didn’t sell any shares. Why do I still have to pay tax on capital gain distributions?" Here's why.
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Financial Blog For Busy Professionals & Impact Investors
Should you invest in Bitcoin? You may be surprised by my answer.
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Google is the leading search engine today, but before Google, there was Excite, Lycos, and many more that did not catch on. Given that perspective, it is reasonable to assume that many of today's cryptocurrencies will not last another 10 years, falling by the wayside to a single cryptocurrency that hasn't been invented yet.
Read MoreCurrent Economic Outlook and Your Portfolio: It is Time for a Check-Up
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We are staying on top of some key economic developments this quarter. While shifts are being made constantly in this ever changing landscape of the economy, here is a review of the current economic outlook and interest rates.
Read MoreWhen Target-Date Funds Aren't the Best Solution
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We really like target-date funds. They are a simple and convenient solution for those that want an all-in-one investment strategy and don't want to worry about rebalancing. However, there are two situations where they aren't the best choice.
Read MoreWe are not Robo-Advisors
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Robo-advisors fill a need. They are serving people with a small amount of money who haven't traditionally been served by advisors. That being said, PWR is not a robo-advisor and we have no plans to become one.
Read MoreAsk Linda: Pre-tax versus Post-tax savings
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Linda Answers: Should I save to my pre-tax 401k at work or my Roth IRA? I cannot fully fund both.
Read MoreHow to Recognize a Ponzi Scheme
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We are even seeing a new wave of Ponzi schemes involving virtual currencies, such as Bitcoin. Here is a summary of what to look for to protect yourself against Ponzi schemes.
Read MoreImpact Investing: The Myths
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Impact investing opportunities continue to grow with one of every five dollars being invested sustainably as of 2016. Regardless, there are myths about impact investing that continue to persist, despite evidence to the contrary. For our second post in a series on impact investing, we debunk these common myths.
Read MoreImpact Investing: The Lingo
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Impact Investing is an investment strategy that seeks to create a positive social and / or environmental change while also generating a financial return.
Read MoreDiversification with International Exposure
/Feeling uneasy with the global economy right now? Remember: Portfolios that include international exposure have historically performed better (and with less risk) than those that don't. The goal of diversification is to have broad exposure to different areas that are not perfectly correlated (such as the US and international markets). When one part of the portfolio goes down, it is offset by another part that behaves differently.
Trying to time movement in the market is not a viable strategy. We know the markets will react to political & economic events - we just don't know when or by how much. Successful market timing requires getting two things correct - when to get out of the market and when to get back in. When investors react emotionally, they tend to buy high and sell low.
During the planning process, I help you determine a balance you are comfortable with, and can stick with, always at a time when things are not emotional.
Linda Rogers, CFP®, EA, MSBA is the owner and founder of Planning Within Reach, LLC (PWR). Originally from New Jersey, Linda services clients throughout San Diego county and nationwide. She leads the design of PWR's investment portfolios which utilize broad, low-cost investments that integrate environmentally, socially, and governance (ESG) factors.
Planning Within Reach, LLC (PWR) is a fee-only and fiduciary wealth management firm offering one-time comprehensive financial planning, ongoing impact-focused investment management and tax preparation services in San Diego and nationwide. PWR is a woman-owned firm that specializes in busy professionals and impact investors. Planning Within Reach, LLC and their advisors do not receive commissions and do not hold any insurance licenses or brokerage relationships.