Creating and Following a Real Financial Plan

The Right Type of Life Insurance for Your Estate Planning Needs Life insurance has been associated with estate planning for decades. Life insurance works for estate taxes because they are due when death occurs, the same trigger that pays life insurance death benefits. But one life insurance size doesn’t fit all estate planning situations. This…

 

Are ETFs “Weapons of Mass Destruction”?

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   A Worksheet Approach to Selecting a Financial Planner Most individuals interview potential financial advisers before making a final selection to help them determine whether they are making the right choice. But what questions should you ask? The purpose of this article is to give…

 

Closed-End Bond Funds Versus Individual Bonds – A Case Study

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   What Bond Calls Mean for Your Cash Flow In a falling interest rate environment, or in one where interest rates have fallen in the not-too-distant past, it is especially important for investors to understand bond calls if they own individual bonds, bond funds, annuities…

 

You Could Spend More Years Being Retired Than Working

There might be a limit on how long humans can live. Jan Vijg, a geneticist at Albert Einstein College of Medicine, published research in the journal Nature putting the upper limit for longevity at 115 years. More precisely, The New York Times quoted him as stating, “Humans will never get older than 115.” Vijg’s conclusion…

 

Retirement Can Be Long Enough for Something to Go Haywire

An interesting point was brought up at this week’s CFA Institute’s Financial Analysts Seminar: retirement is a long enough period of time for something to go haywire. The point was brought up by Barton Waring, a retired chief investor officer for Barclays (which is now BlackRock). He raised the topic during a discussion about retirement…

 

Retirement Readiness is Being Assessed in the Wrong Manner

This week’s AAII Weekly Features highlight these valuable AAII articles: Methods for Valuing a Stock Based on Profitability and Growth: By using different valuation methods, a range can be established for determining whether a stock is cheap or expensive. Retirement Readiness is Being Assessed in the Wrong Manner: No consensus exists on an acceptable risk…

 

The Top Mutual Funds Over Five Years: Health Care Remains on Top

This week’s AAII Weekly Features highlight these valuable AAII articles: The Top Mutual Funds Over Five Years: Health Care Remains on Top: Health care has not only remained the best-performing category, it now boasts seven of the 10 funds with the highest five-year returns. The Right Type of Life Insurance for Your Estate Planning Needs:…