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Archives for 2011

401(k) Accounts & the DOL

03/08/2011 by

Last weekend’s Wall Street Journal had a front page article called Retiring Boomers Find 401(k) Plans Fall Short. The article begins by noting that “The 401(k) generation is beginning to retire, and it isn’t a pretty sight. The retirement savings plans that many baby boomers thought would see them through old age are falling short in many cases.”

This article peaked my interest since 401(k)’s are the retirement saving vehicles of our time. The old traditional defined benefit plans that promised a certain benefit every month after retirement until death are dinosaurs. The burden has shifted to employees to fund their own retirement through these and similar plans.

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Need Financial Help?

03/01/2011 by

[pdf-embedder url=”https://www.faicoach.com/wp-content/uploads/2017/03/Need-Financial-Help.pdf” title=”Need Financial Help”]

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Investment Answers with Gordon Murray

02/17/2011 by

“Well, I’ve never heard of that.” I’ve heard this statement through the years and have always thought it to be a mix of arrogance and ignorance. “Well…what else, my friend, in this massive universe have you not heard of?” It’s interesting how many times the late Mr. Murray must have heard this question from interviewers about his best selling book in the month before passing away.

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Leading Economic Indicator

02/09/2011 by

January was a great month for the stock market! The Dow Jones Industrial Average was up 2.7% and the S&P 500 Index was up 2.4%. It was the best January for the markets in 14 years.

Wow! Does that mean we’re going to have a Great Year? The “January Barometer” says so. But is this widely followed stock market indicator just another myth? The “January Barometer” works this way: If January is an “UP” month, it could mean a good year for the stock market. But if January is a “DOWN” month, well, that means that it would probably be a pretty dismal year for investors.

It would be nice if it worked, but unfortunately, the theory just does not hold up to scientific scrutiny.

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What Is The Value Of Human Life?

02/01/2011 by

You may not want to put a price tag on it.  But if we really had to, most of us would agree that the value of a human life would […]

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Retirement & Municipal Bonds

01/11/2011 by

As you know, we are not big fans of Municipal Bonds. You will not find a single Municipal Bond among the 10,000 – 14,000 holdings in any of the Academically Managed accounts that many of you own through me. But often, retirees and those preparing for retirement are heavily invested in municipal bonds and bond funds. Unfortunately, in many cases, their advisors may not have disclosed to them the significant risks that such a strategy bears.

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The Rule of 72 Can Be Revealing To You

01/01/2011 by

Have you ever noticed that the published 3 year, 5 year and 10 year annualized returns on your mutual funds and investments often show 10%+?  I’ve always found this interesting […]

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