Blog

How exactly do bonds work?

Aug 25th, 2021 • Lisa W.
If you are an investor — and if you have a retirement account, you are! —  there is a pretty good chance that your money is invested in a mix of stocks and bonds. Likely you are pretty comfortable with the basic mechanics of what a stock is; a share is a small ownership piece … more »
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Take Advantage of Low Interest Rates Now!

Jun 29th, 2021 • Lisa W.
From the “Silver Linings” file cabinet, you have undoubtedly noticed that interest rates have remained low. For savers, this is not good news but if you have outstanding debt, steady income and a strong credit score, this may still be a very opportune time to consider if you can reduce the cost of what you … more »
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How do I allocate assets based on my risk preference?

Jun 22nd, 2021 • Lisa W.
Perhaps you have already completed the job of understanding investment fundamentals such as asset allocation, diversification and risk capacity and tolerance. Now what are you supposed to do about it? While there is no formula per se, there are some fairly well established concepts. Your starting point is your capacity to take on investment risk … more »
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What Exactly is a Target Date Fund?

Apr 20th, 2021 • Lisa W.
If you participate in a workplace retirement plan (401(k), 403(b) or similar), there is a very strong possibility that you are invested in a target date fund (TDF). In 2020, 50% of 401(k) accounts were held exclusively in target date funds, and 75% of accounts contained at least one TDF. But do you know exactly … more »
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