Mistake # 1 – Negligent Investment Management Wealthy individuals may have a lot of money, but they often lack control over where it is invested – and this can cost them in the long-term. A well-diversified portfolio is optimized to achieve the best possible return with the least amount of risk to weather the storms […]
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Entries by jbergner
A lot of retirees are surprised when they turn 70½ and start taking their withdrawals, only to discover that their tax bill gets a whole lot higher. That’s because the money they take out of their retirement accounts for living expenses is treated as federal taxable income, and they are often taxed at their […]
Are you concerned that your portfolio is taking too much risk? Or that your investments are positioned so conservatively that your money has little or no chance to grow? The dilemma is real. Just look at the historical fluctuations from 2000 to 2015 in the graph below. 1Sources: Yahoo! Finance GSPC Historical Prices and StandardAndPoors.com. […]
A lot people who are maxing out their 401k plan each year think this is a smart choice because they are making tax-deferred contributions. But what they are not realizing is that even if that saves them a few thousand dollars each year during the contribution phase, it doesn’t offset the huge tax consequence that […]
Do you know how much money you’ll need to retire comfortably? Do you know what kind of investment return you need to get you to that amount? Not a lot of people do the calculations – and lose money due to poor planning. It’s not enough to just invest in your 401K and hope that […]
Just in case you have not noticed, the interest rates YOU receive on various investments like money market, Cds, bonds etc. have been at historic lows for quite some time. Here is a chart to illustrate: I have managed investment portfolios for over 20 years now. I am a strict adherent to “Modern Portfolio […]
What do you value most in life? Is it family? Money? Independence? These are examples of core values. Your core life values are values that you hold so deep that they form the foundation of the way you live and move and breath. They are the underlying driving force behind how you do your work, […]
Investors are usually quite eager to learn about the next big investment opportunity out there to increase their total portfolio return, however, they are often less enthusiastic about making an effort to minimize their tax bite. There’s money to be made by taking advantage of tax avoidance strategies. So that you don’t overlook any opportunities for improving your bottom line, here are a few simple tax principles that can help save you money.
Five Weird Questions to Determine Life Purpose What’s your life purpose and are you pursuing it? Your true purpose is a “calling” that will most likely reflect your unique set of gifts, talents, abilities, passions, personality traits, and life experiences. It can be a career calling (like motivational speaker or emergency room doctor) or it could be […]
Think about that for a second. If your life were a business would YOU invest in it? What have you been doing all your life up until this moment? You have been investing your time, your energy and your money in a business called “Your Life”. How do you feel about your return on investment […]