Category Archives: Investing

Recent Graduates / Early Career Typically in your 20’s Cash Flow:  Allocate at least 20% of your gross income to long-term savings and / or paying off debt.  Now is the time to get money invested so it can compound. Start identifying spending habits and patterns by creating a budget or trying out the WholeWallet30. Tax Planning:  For many during this stage, it makes sense to save to a Roth versus pre-tax retirement vehicle since starting salaries tend to be lower than inRead More

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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. WeRead More

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William Bernstein was interviewed in the September issue of Money.  Here are some highlights: 1.  How young people should invest – no surprise here:  “For the average person, you’ll want a very high stock allocation.”  The reason is that you have three to four decades of earnings potential ahead of you.  “So even if your investment capital when you’re 26 years old falls by one-half, your total worth has fallen by only a couple of percent because you still haveRead More

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