Article
4 Min Read
17 Dec 2025
How Many Stocks Do You Need for a Diversified Portfolio?
There are many opinions on this topic. Here are a few fundamental points to consider, With patience and a methodical approach, you can be on your way to a strong portfolio. If you’re building a portfolio of individual stocks, you’ve probably considered the question of how many you actually need. Unfortunately, there seem to be […]
3 Min Read
17 Dec 2025
How to Protect Your Investment Portfolio and Mitigate Downside Risk
Investing your life’s savings is different from investing speculative assets. For core assets, assets you can not afford to lose, safety becomes as important as growth. However, in order to capture growth one must invest in equities. Yet the more an investor places in stocks, the more the investor increases his risk. Diversification along various […]
4 Min Read
17 Dec 2025
Buy High, Sell Low
It violates the most fundamental element of investing, yet thousands of investors practice it every day. As soon as the market or sector they are investing in loses ground they sell and go looking for the hot market. Eventually a new fund or sector with some strong recent gains is chosen to invest in and […]
3 Min Read
17 Dec 2025
A Checklist for Bond Investors
Investments in bonds should be tailored to your investment objectives, risk tolerance, and other personal circumstances. Answering some fundamental questions will help you determine the role bonds should have in your portfolio: What are your overall investment objectives?Investors committed to growth are looking for appreciation of capital, with little concern for income, so bonds will […]
6 Min Read
17 Dec 2025
Stock Broker, Banker, or Money Manager?
In an age of do-it-yourselfers, handling your own investments might sound like a good idea. But many have found out during past crashes that tackling the stock market is not as easy as some online stockbrokers made it seem. Investing on your own requires proper education in investments and finance. You need to know how […]
8 Min Read
17 Dec 2025
The Percent Risk Model: Size Does Matter
It’s time now, once again, to dispel those ugly rumors that “size doesn’t matter” Indeed, size does matter in investing, and it matters just as unambiguously as when parallel parking a Buick in heavy traffic. The difference being (among other things) that in parking a ‘land shark’ like a Buick, it is the 3-mile long […]
3 Min Read
17 Dec 2025
Are Muni Bonds Appropriate for You?
No investment, including municipal bonds, is appropriate for every investor. Before purchasing, consider their advantages and disadvantages to see if they are appropriate for your portfolio. Some of the advantages include: Some disadvantages of muni bonds include:
5 Min Read
17 Dec 2025
You Can Protect Your Assets from Catastrophic Medical Expenses
It is a personal nightmare. You are sick, really sick and need time off to get well and whole again. You feel vulnerable, scared, ache and you are physically exhausted, unable to function. Your friends and family are really worried about you. Money. You think about money. You need money for medical bills that keep […]
8 Min Read
17 Dec 2025
Ruminations on Variable Annuities vs. Taxable Accounts
It appears to me that the most expensive, tax-inefficient mutual funds are generally compared to the most inexpensive annuities to make the case for annuities. However, in a comparison of what a competent advisor would actually recommend for a taxable alternative, annuities appear to be poor choices. To fairly compare the two (and remove compensation […]
4 Min Read
17 Dec 2025
Don’t Overload Your 401(k) with Company Stock
Your 401(k) may be a great retirement-savings vehicle. Your earnings grow on a tax-deferred basis, and you typically fund your plan with pretax dollars, so your contributions can lower your annual taxable income. Plus, you may even get an employer match. But if you’re really going to get the most out of your 401(k), you […]
6 Min Read
17 Dec 2025
How China’s Stock Market Affects US Indexes
By Anna B. Wroblewska Between plummeting oil prices, a Shanghai stock market that had to be shut down twice in as many days, and the worst start of a year in history for the S&P 500, it’s been — to put it mildly — a bit of a January. China has taken center stage as regulators attempt […]
4 Min Read
17 Dec 2025
Before Picking a Financial Advisor, Ask the Right Questions
The introduction of online stock trading has made it easier than ever for you to become a “do-it-yourself” investor. But just because you can do it doesn’t necessarily mean that you should. To achieve your long-term financial goals, you may need to work with a financial professional, someone who can analyze your needs, assess your risk tolerance, help […]
5 Min Read
17 Dec 2025
Should I Invest My 401(K) in Individual Stocks?
By Anna Wroblewska. Individual stocks can have unlimited upside and don’t come with management fees. So are they a good bet for your 401(k)? Here’s how you can decide whether stocks are right for your 401(k) and limit the risks associated with them. Please note: This article assumes that your 401(k) comes with the option to invest […]
4 Min Read
17 Dec 2025
Five Ways to Cover College Tution
There is no escaping the fact that college costs are rising. According to the College Board, a non-profit composed of more than 4,700 educational institutions, the average annual tuition is $30,094 for four-year private universities and $8,893 for four-year public universities. Thats a hike of 14% and 27%, respectively, over the past five years As […]
5 Min Read
17 Dec 2025
How to Plan for Retirement as a Stay at Home Parent
By Anna Wroblewska. Are you a stay-at-home parent? Whether you’re new to the job or have been in it for years, one thing you shouldn’t forget about is retirement planning. Here’s how you and your spouse can make the most of your options to help ensure a healthy financial future as a retiree. First things first: […]
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The blog articles on this website are provided for general educational and informational purposes only, and no content included is intended to be used as financial or legal advice. A professional financial advisor should be consulted prior to making any investment decisions. Each person’s financial situation is unique, and your advisor would be able to provide you with the financial information and advice related to your financial situation.