Assessing Your Life Insurer’s Financial Performance

When evaluating most investments, either initially or periodically, smart investors use financial statements, conduct credible analysis and seek genuine expertise. Cash-value life insurance (e.g., whole life, universal life, etc.) can be a terrific product, providing both financial security and attractive investment returns. However, when it comes to the life insurance industry’s products, finding reliable information,…

 

Most AAII Readers Go It Alone When Making Financial Decisions

The mission of AAII for nearly 40 years has been to help individual investors become better managers of their own assets. Our readers and members tend to be self-directed investors who do their own research and manage their own accounts. AAII Weekly Survey Question However, to get a clearer idea of exactly how self-directed our…

 

How to Check Out a Financial Advisor

Editor’s Note: Portions of this article were excerpted with permission of the publisher, John Wiley & Sons (www.wiley.com), from “Getting Started in Finding a Financial Advisor,” by Chuck Jaffe. Copyright 2010 by Chuck Jaffe. You would think figuring out who to turn to when you need financial help would be as simple as telling yourself,…

 

Screening for Stocks Based on the Latest CAN SLIM Criteria

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   Focus on the Value of a Business, Not the Stock’s Valuation Valuation ratios do not tell you what you are getting for your money, whereas intrinsic value allows you to assess the stock’s potential. Rupal Bhansali, manager of the Ariel International (AINTX) and the…

 

AAII Readers Reveal Their Greatest Financial Planning Concerns

We are now less than two months from the April 18 federal tax filing deadline. Taxes are traditionally due on April 15, but the IRS pushes off the due date if it falls on a weekend or holiday. This year, April 15 falls on a Saturday. The next business day, Monday, April 17, is a holiday…

 

Guidelines for Choosing a Financial Adviser

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   The Tax Advantages of Qualified Charitable Distributions From IRAs The U.S. tax code allows someone who is already at least age 70½—not someone who will turn 70½ later this year—to directly transfer up to $100,000 of funds from their traditional individual retirement account (IRA)…

 

Why Your Financial Adviser Should Be a Fiduciary

Many do-it-yourself investors may wonder if this article is relevant to their situation. But think about your life during retirement and your interest may change. As we age, it’s common for even do-it-yourself investors to seek the services of a financial adviser, especially in our later years. Given that you may eventually engage a financial…

 

Insights From Conversations With Great Investors

Warren Buffett said that among the lessons he learned from Benjamin Graham was that “price is what you pay, value is what you get.” Though Buffett used the phrase in a discussion about bonds and stocks in his 2008 letter to Berkshire-Hathaway shareholders, the adage applies to many other objects. One such object is the…

 

10 Axioms For Reaching Your Retirement Goals

What’s the key to making good investment choices? It isn’t necessary to understand the inner workings of the securities markets or the mathematical economies underlying investment theory. Instead, 10 axioms of effective investing provide the critical cornerstone for guiding investment philosophy and making decisions. This will ensure that you meet the universal goal of creating…