Part #1 of this series, The First Step is Signing Up, breaks down the various reasons why Americans aren’t participating, and the steps for signing up for your company sponsored plan. But what if your company doesn’t offer a 401(k)? Millions of Americans are facing a Retirement Crisis. As we learned from our first piece in this series, only 14% of all American employers offer a 401(k). Not being able to contribute to an employer-sponsored [...]

Financial science and experience show that our investment efforts are best directed toward areas where we can make a difference and away from things we can’t control. We can’t control movements in the market. We can’t control news or financial headlines. No one can reliably forecast the market’s direction or predict which stock or investment manager will outperform. But each of us can control how much risk we take. We can diversify those risks across [...]

DO YOU PARTICIPATE? Americans aren't saving enough for retirement. Recent studies show that Two-thirds of all Americans don't contribute anything to a 401(k) or other retirement account available through their employer. Millions of people aren't saving, because either they don't have access to a plan, or just can't spare the cash. It doesn’t help that the information on how to participate is stuck in the middle of a large stack of new employee paperwork that [...]

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When tested, consider the source and maintain a long-term perspective. Why doesn't the media run more good news? Because bad news sells! It sells because fear is a more powerful emotion than greed. If people preferred good news, the media would supply it. Newspaper editors know it, which [...]

This report features world capital market performance and a timeline of events for the past quarter and the past year. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic. CLICK BELOW! QUARTERLY MARKET REVIEW

CLICK ABOVE! Have you ever been asked about your investing risk preference? Or have you been investing based upon gut instincts, hunches or emotions? Maybe you've discussed risk in a subjective way based upon your age. What if I asked you: "How far can your portfolio fall, within a certain period of time, before you make a poor investing decision?" 4 out of 5 people have more risk in their portfolios than they realize. But [...]