April is financial literacy month. I believe that lack of financial knowledge is one of the most critical problems that our country faces. (more…)
Posts Tagged ‘Fees’
Posted in Bonds, Books, debt, Diversification, financial planning, Inflation, pensions, Portfolio Investing 101, Retirement, Stock Investing, tagged college costs, Fees, fiduciary resposibility, financial literacy, saving on April 18, 2013 | Leave a Comment »
Guest post by Contributing Editor, Matthew Amster-Burton, Mint.com.
Do we live in the golden age of investing?
Moronic question, right? Of course we don’t. The S&P 500 sits at about the same level it did five years ago. Bond interest rates have never been lower, and the Fed says it’s planning to keep them that way through mid-2015.
Turn on any financial channel and you’ll find as many gloomy predictions as you care to sit through: debt-fueled implosion in Europe, the next flash crash, the shrinking dollar, a stagnant labor market, Great Depression 2.0 (or is it 3.0 by now?). (more…)
Posted in Uncategorized, Markets, Mutual Funds, Investors, Diversification, Personalization, Income Investing, ETFs, Long-term investing, Behavioral Finance, Books, Risk, Active Investing, Financial Advisors, Asset Allocation, financial planning, 401(k), retirement income, tagged rebalancing, volatility, asset allocation, Fees, Behavioral Finance, mutual funds, Daniel Kahneman, David Swensen, investing, retirement planning, management fees on January 5, 2012 | 3 Comments »
Guest blog by Daniel Solin, Mint.com.
The evidence showing that most individual investors significantly underperform the market is compelling. A study done by Dalbar, a leading financial services market research firm, found that, during the 20 years from 1991 through 2010, the average stock fund investor earned returns of only 3.83% per year, while the S&P 500 returned 9.14%.
The ramifications of this study are startling. It’s very easy to capture the returns of the market. All you have to do is purchase index funds that track the returns you are seeking to replicate. You will pay low transaction fees, but your returns should be pretty much in line with the indexes.
There is overwhelming support for buying (more…)
Generally brokerage fees have been dropping steadily over the past two decades. But how have your costs fared? According a piece by Felix Salmon, brokers often charge as much in fees as they can get away with, applying different rules to different clients.
Which raises this important question for any investor: how much are you paying in brokerage fees and charges? (more…)
That’s the sound of your money slowly being eroded away by fees. Fees associated with 4o1(k) plans have come in for some discussion of late. The Labor Department proposed new rules that would require better disclosure of fees and conflicts of interest to employers sponsoring 401 (k)s. (more…)