Archive | Retirement Planning

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No-fee Mutual Funds Improve Investment Returns

Over two years ago Fidelity Investments began offering several index or passive, no-fee mutual funds. The two main funds track indices of the entire domestic stock market and all of the international stock markets. No-fee funds have the potential to increase your investment returns. Management and administration fees otherwise reduce the fund’s return. At the […]

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Retirement Account Minimum Distributions Suspended

The recently enacted CARES Act suspends the requirement that most retirement account owners take a distribution from their accounts for 2020. There are some exceptions, of course. And if you’ve taken an unwanted distribution, there are some opportunities to roll that money into another tax-deferred account. The suspensions generally apply to inherited IRAs. Unfortunately, an […]

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Index Funds Beat Popular Managed Funds in 2015

Portfolios of Fidelity and Vanguard stock index funds topped the 2015 performance of portfolios of actively managed funds recommended by Kiplingers, Money, and Forbes. The Fidelity portfolio’s 2015 real return topped Kiplinger’s by 0.66%, Money’s by 1.85%, and Forbes’ by 2.29%. This analysis shows that even the experts often miss picking stock funds to beat the market. […]

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Rebalancing Retirement Accounts Made Easy

When do you rebalance your retirement accounts? You have chosen and implemented an asset allocation (the percentage of stocks and bonds in your portfolio) that matches your desired risk and reward level. But you just received your year-end retirement account statement. The weighting of each asset class in your portfolio has changed! What happened? Over […]

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Retirees Win With a Fiduciary Duty

The Obama Administration proposed this summer to impose a fiduciary duty on financial advisors that provide retirement advice. This duty includes the duties of due care, loyalty, and utmost good faith when advising a client. This proposal puts investors’ retirement interests first rather than the profit interest of the advisor selling a financial product that may […]

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