Posts Tagged ‘Investing’

A Life Changing rally on tap?

Written on May 2nd, 2017 by Jamesno shouts

Interesting article.  Could it really happen?

Filed under Investing Tags:

Personal Finance FYI: the 401k series – the basics of Coke’s 401k plan

Written on October 25th, 2016 by Jamesno shouts


Written on January 20th, 2016 by Jamesno shouts

Filed under Investing Tags:,

is it time to invest in Emerging Markets?

Written on September 10th, 2015 by Jamesno shouts

I like pictures.  They tend to tell a better story of what is actually happening.  Case in point is this chart of Emerging Markets fund, EEM.  This is the proxy for how Emerging Markets are performing, pretty lousy for the past 4 years!  Most investment models say that you should have 3 to 5% allocated toward Emerging Markets, but it hasn’t worked so well.  I’ve been out of Emg Mkts for over a year now (outside of India), but the asset class is coming back on my radar screen.  I will look to possibly add this asset back to client accounts later this year or early next:


Personal Finance FYI – Episode 5: Asset Allocation?

Written on April 15th, 2015 by Jamesno shouts

sometimes a visual helps put it in perspective

Written on April 7th, 2015 by Jamesno shouts

So, a lot of folks are scratching their heads wondering where the big gains of the market are this year?  This 4 month chart of the Dow Jones sort of puts in perspective.  A lot of oscillating up and down but in the end no real change in 4 months:



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Personal Finance FYI – Episode 2: stocks, bonds, mutual funds and ETF’s

Written on October 17th, 2014 by Jamesno shouts

.gov is getting worried about retirement savings

Written on October 30th, 2013 by Jamesno shouts

In the financial services community we are bombarded with the dismal statistics about how much the average citizen has (or has not) accumulated for retirement.  There has long been efforts to encourage people to not only build a cash savings but to contribute to workplace retirement plans.  Sometimes this is a head scratcher when you also see our government so focused on getting consumer spending up since it is said to power the economy, but that is another topic.

Not to long ago there was the push to automatically enroll employees in 401ks when they joined a company.   But unfortunately the progress has been slow and with many small businesses not offering retirement plans and the large amount of workers in part-time positions the problem doesn’t seem to be getting better.

The newest idea out of the Treasury Department are “retirement bonds”.  While not a done deal it is being discussed heavily as one additional solution to the retirement problems facing this country.  This bond would be issued by the US Gov. , tax deferred like an IRA and eligible to be held in an IRA once you reached a certain value.  These bonds would be available via automatic payroll deduction, similar to the past when employees were allowed to purchase “savings bonds” directly via payroll deduction.

I think most acknowledge that we have an impending issue and maybe this is one small step toward correcting, however it will take quite a bit more to rectify the situation.  Maybe we could learn from the success of programs in other countries.  I recently had the opportunity to speak with some financial planners visiting from Australia and became intrigued with their retirement program.  I’ll try to post a quick summary on that program in the next few weeks.

financial planning news

Written on March 27th, 2012 by Jamesno shouts

Financial Planning News for March:

What would I do with $20k – his perspective

Written on November 12th, 2009 by Jamesno shouts

Okay, so we thought a fun experiment would be to have Hope and I answer this question at the same time without reading each others posts.  We may be identical or polar opposites, I won’t know until I read her’s later today.

What would I do with $20k if it was dropped in my lap unexpectedly?  (part Planner / part Miser perspective)

  • I like cash cushions, so immediately $10k would be tucked away into a savings/investment account.
  • Reduce some debt:  apply $5k toward my truck loan.
  • $2500 into each of the kids college fund.

That was easy.  I wonder how close my answers will match up with the Wife’s?

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