Having a child changed my whole world, in ways massive and small – most of which are beyond the scope of this blog. One of the most profound changes I experienced can be summed up in one, innocuous-sounding word: worry. The sheer number of options for a parent to worry about is astonishing. One of the things I worry about
So you want to invest in an equity ETF. But how to go about choosing? Knowing that ETFs are generally index funds, you’ll want to pick an index. And hands down, the most recognized index among US investors is the S&P 500. (I have no scientific evidence for this. But ask any novice investor to name an index and you’ll
Risk is a tricky thing. Most of us consider ourselves competent – or even superior – evaluators of risk, yet the world is full of people who take shockingly foolish chances, as well as those who worry needlessly about every outcome, no matter how remote its chances. This indisputable fact does not suggest that we see our risk-assessing capabilities accurately.
Bonds are an important part of any investment strategy. As your time horizon shortens, bonds can be used to reduce the volatility (which should always be read as another word for “risk,” by the way) of your total portfolio. The trade off for this, of course, is that bonds offer lower potential returns than stocks. Bonds provide interest income, which
Increasingly, I am seeing opinion and data-based pieces questioning the value of a college education. Exploding student debt rates and outrageous price tags make for flashy headlines and strong opinions, but the pros and cons list is, for lack of a better word, complicated. Now, in the interest of full disclosure, I come down on the pro-college side. My parents
Target-Date Funds are a big topic in mutual funds right now, for investors and fund companies alike. Investors see them as a one-stop shop for retirement investing. Fund companies have found target-date funds to be a gold mine. Morningstar reports that target date funds account for one third of investment flows for companies that offer them. The concept of a