ROI is short for “return on investment”. It’s a term often used by business owners. But what does ROI mean to individual investors and is it important? If we break this down a little you’ll easily understand the meaning of “return on investment” and why it’s so important to anyone who wants to make smart […]
Investing Strategies
They don’t teach investing in school. It’s no wonder that so few of us really understand how investments work, what mutual funds are and how to select the right investments for our unique situation.
The following articles explain how the stock market, mutual funds, annuities,stocks and bonds work in plain English. They demystify investing and empower you to make better investing decisions for you and your family.
What is Value Investing?
What is value investing and why is it important right now? With the stock market having risen in the past few years and prices being on the high side of their historic range it’s time to start looking for bargains. Value investing is exactly that – the search for stocks trading at bargain prices. And […]
High Yield Strategies – Beware the Dangers
Good for you for doing all you can to maximize your retirement income. But be careful. Many people get lured into high yield strategies and later have to deal with some very nasty “surprises” like big losses in value, slashed dividends or both. Let me give you a few examples from last year*. Precious metals […]
What is a Proprietary Fund?
If you are an investor you may own a proprietary fund and not even be aware of it. That’s bad news because these funds are expensive and typically perform very poorly. Worse, they belie the relationship between you and your financial advisor. What is a proprietary fund? A proprietary fund is a mutual fund that […]
What is Slippage?
It doesn’t matter if you buy stocks or mutual funds or ETFs. You still need to think about “slippage”. But what is slippage and why should you care? What is Slippage? Slippage is the difference between what you expect to pay for a stock or ETF and the actual price you get. It is also […]
Why Financial Change Is Tough
Why do you think financial change is so hard to achieve? In my experience, there are several reasons and I’ll explain the main culprits. The good news is that if you become aware of these obstacles, you can neutralize the roadblocks and go on to reinvent yourself successfully and permanently. Let’s identify these hurdles and […]