One of the oldest debates within the investment community is between the benefits of value investing versus growth investing. Numerous arguments have been made in favor of both approaches at different times. A basic understanding of the two approaches must first be gained to evaluate a point of view. Value Investing is based on the…
The real estate market can be a great investment opportunity for the average investor, if the timing is right. Real estate, like any asset class, is cyclical in its behavior. This can present short-term as well as long-term opportunities. Many investors have opted to buy individual properties as their primary residences as well as for…
Retirement savings options have expanded dramatically over the last four decades. Defined contribution plans such as 401ks have progressively become the primary source of private sector savings since the early 1980s. Unfortunately, for those in a higher income range, annual dollar value caps associated with contributions are imposed. In 2014, the maximum annual salary deferral…
In the course of building a long term investment portfolio, the focus should be based on not just returns…but risk-adjusted returns. The premise behind a multi-asset portfolio is combining multiple asset classes in which each produces a positive long-term return, without being highly correlated. This can produce more consistent longer-term returns…while offering a lower overall…
People can find themselves under a pile of debt for a variety of reasons. Sometimes we fall upon hard times due to a set of unfortunate circumstances beyond our control. Other times we may have simply lived irresponsibly for periods in our life and not given enough consideration to the long-term implications of our actions….
In 1980 an amendment to the Investment Company Act of 1940 permitted publicly traded investment companies to register as Business Development Companies (BDC). BDCs are similar to Private Equity Companies and Venture Capital funds in that they invest in startup entities as well as established small and mid-sized businesses. The key difference with a BDC…
Many of us do not always recognize the potential danger of becoming permanently disabled. The U.S. Census says that you have about a 1 out of 5 chance of becoming disabled for at least some period of time. The average duration for a long term disability (LTD) is about a two-and-a-half-year absence from employment. Long…
Employee stock purchase plans (ESPP) are a common benefit that many publicly traded companies offer to their employees as an additional savings option to supplement their other defined contribution plans. There can be a number of benefits associated with these plans, as well as some potential disadvantages. Under a qualified ESPP, the employer permits the…
As a result of two major market panics in the last two decades, the use of variable annuities as a solution to the financial needs of the consumer has increased. These products have been marketed and re-marketed in various different formats with numerous bells and whistles. In some cases a variable annuity may make a…
Life insurance planning is a topic that is often very confusing for the average individual. There are various different types of insurance products available, and it is not always clear which solution is the most suitable for an individual to select. In order to make an educated decision, it is imperative to obtain at least…
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