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Financial advisors use a variety of investment strategies to replace retiree employment salaries or business income. These include bond ladders, systematic withdrawal programs (SWPs), guaranteed minimum withdrawal benefit (GMWB) products, and even strategies in the relatively...

Target date funds offer the premise of a one-stop solution for investors seeking professional allocation strategies. They are commonplace in 401(k) and other similar employer-sponsored retirement plans (aka, defined-contribution plans). According to Vanguard, 88% of defined-contribution...

In investing there are a few universal truths. One of them is that at some point, a stock’s price will fall. There are myriad reasons why a stock’s price falls and it is up to you to determine the cause. By identifying why the price is falling, you are far better equipped...

The percentage of individual investors describing their market outlook as “neutral” is now at its lowest level in more than two years, according to the latest AAII Sentiment Survey. Pessimism extended its rebound, and optimism is higher as well. Bullish sentiment,...

The allure of target date funds is simple: a single fund that provides a diversified portfolio and alters its allocation as shareholders approach the date when cash withdrawals will be taken. The promise of an “all-in-one solution” to investing for retirement is attracting...

Covered call writing is one of several ways options are traded. While often done on an ad hoc basis, one can assemble and manage a portfolio of covered call option positions as either a part of a larger portfolio or on a stand-alone basis. Such an approach does require more detailed...

Optimism among individual investors about the short-term direction of the stock market rebounded to a four-week high in the latest AAII Sentiment Survey. Neutral and bearish sentiment both declined, but remain above their respective historical averages. Bullish sentiment, expectations...

An InvestmentNews.com article reported that Fidelity Investments will lower expense ratios on 27 index funds and ETFs on July 1, ramping up its competition with Vanguard. According to the article, the Fidelity 500 Index fund (FUSEX), which tracks the Standard & Poor’s...

There are many headlines warning investors about the next possible financial emergency—the lack of liquidity in the bond market. The meaning of liquidity and the essence of the problem are not obvious. The media tends to look at the bond market as a monolithic block with bond...

What’s the allure of dividend-paying stocks? Dividends provide a segment of return that is always positive. Increases in dividends provide an increased positive cash return and, consequently, increase the value of the instrument producing that return. Positive fluctuations are...