TIPS

Investing for Millennials: Tips for Spending and Saving

There’s no denying that we’re living in an age of instant gratification. We’re constantly told to “live in the moment” without a thought of tomorrow. The problem is, tomorrow always comes, and we’re increasingly less prepared for it. Retirement savings, for instance, are falling by the wayside. While we all imagine our golden years to...

When Will It Make Sense to Buy Bonds Again?

In the good old days, investors seeking income at little risk knew just what to do: buy bonds. For decades, it worked like a charm, and investors also scored capital gains as interest rates declined. Then, record low interest rates reduced the income return from bonds and made them very risky. Suddenly, you had to...

How to Play Economic Climate Change

Scientists believe that there have been at least five major ice ages in the Earth’s past, based on geological data and climate cycle analyses. So how much data will it take for economists to embrace the notion that we’re in an Economic Ice Age? Using faulty models and linear extrapolation techniques, the so-called “dismal science”...

Dividend Stocks Beat Annuities in These Markets

Saving for retirement can be very difficult because of longevity risk – that is, the chance that you might live long enough to outlast your savings. The traditional solution has been an annuity, which transfers the longevity risk to an insurance company and pays you an income for the remainder of your life. However, annuities...

TIPS Are Unloved and Under-Owned

Let me ask you a personal question… Do you use protection? Because based on the recent, wild action in the markets, it seems as though many people have been practicing unsafe investing. Across the market, people are finding themselves overexposed to richly valued equities and underexposed to volatility-dampening U.S. Treasuries. They ignored the myriad warnings...

Fire Your Broker if He Recommends This Old-School Investment

For almost half a century, Wall Street has been telling us a whopper. Specifically, that a so-called “balanced” portfolio – 60% in stocks and 40% in bonds – is an ideal way to stay invested in the stock market while reducing risk. Especially if you’re a conservative investor or retiree. Dozens of mutual funds exist...