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As concerns about deflation grow, where should you go with your investment dollars? Deflation is a sustained period of falling prices. Some analysts recommend that investors buy bonds, which can do better during deflation. The problem with bonds right now is that the interest rates are extremely low. There’s so little downside to rates, and if rates climb Continue reading If Deflation Comes Where Should Your Investment Dollars Go? Gold, Bonds, Cash, Stocks? A lot has to go wrong to justify today’s rock-bottom bond yields When Japan slid into deflation in the mid-1990s bond investors were caught unawares. As late as 1995 yields on government bonds, a haven in times of deflation, were still approaching 5%. Investors today are not about to repeat that mistake. Inflation may be positive Continue reading Government Bonds – Should you buy TIPS instead? How to invest in stocks, bonds and commodities for deflation or inflation? Do you take on more debt? St. Louis Fed President James Bullard said recently that the risk of deflation has risen, and warned of a period of falling prices and slow growth in the U.S similar to that of Japan in recent years. Fed Chairman Continue reading How to Invest in Stocks, Bonds and Commodities For Deflation or Inflation To have a decent chance at earning returns that are high enough to generate sufficient income initially plus keep pace with inflation, most people will have to invest in a portfolio that contains at least some stocks and bonds. And when you invest in stocks and bonds – as opposed, say, to CDs – you Continue reading How to Make Your Money Last When You Retire Most investors know (or should know) the tried-and-true methods to build wealth. Shift money automatically from your paycheck to a savings plan; take advantage of your employer’s matching contributions to 401(k) plans; eliminate (virtually) all consumer debt; track and trim household expenses; reduce investment fees; and, of course, save more than you’re saving now. But Continue reading Net Worth: Four Ways to Build Wealth Question: I’m 27 and have had a Roth IRA since I was 16 years old. I’ve been maxing out that account since I graduated college, and I now also max out my 401(k). But this year my income will be too high to allow me to contribute to either a Roth IRA or traditional deductible Continue reading An Aggressive Saver Who Can’t Save Enough Not all municipal bonds are created equal when it comes to requiring repayment to investors. “General obligation” bonds are often the safest, analysts say, because even if the issuing government gets into financial trouble, it often cuts expenses or raises taxes to pay back the debt. When water flows, cash flows. Many otherwise skeptical advisers say Continue reading How to Make Sure Your Bonds Are Safe A lot of money has been pouring into bonds and bond funds this past year. The risk and uncertainty could threaten that wealth. An investor buying a 30-year Treasury bond today, and intending to hold until it matures in 2040, faces overwhelming uncertainty about the future. See the full article Thanks to conservative investments in bonds, whole life—and its cousin, universal life—delivered positive returns during the financial crisis. But before you sign up for a policy, beware: You will pay hefty premiums and, in most cases, a steep up-front commission that eats up your first-year premium, leaving little of it for investment. Whole life and universal Continue reading Whole Life Insurance, Looking Good, Can Be A Conservative Foundation for Investments |
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