FAQs from The Ultimate Guide to Traditional and Roth 401(k) and IRA Retirement Accounts

Since publishing The Ultimate Guide to Traditional and Roth 401(k) and IRA Retirement Accounts, I’ve received a number of questions about retirement plans that weren’t covered in the article. I’ve responded to these questions in the comments to the article, but I thought it would be helpful to discuss some of them in a separate […]


Do low cost mutual funds outperform high cost mutual funds?

A reader recently asked whether the expense ratio of a mutual fund or the fund’s performance was the most important factor when selecting an investment. It’s an important question. What’s the point in investing in a low cost fund if it underperforms higher cost funds? Mutual funds report their performance net of expenses. So if […]


Why do mutual funds close to new investors (and 3 funds that have reopened)?

Image credit: MobilFunk7The Wall Street Journal reported this weekend that three mutual funds previously closed to new investors are reopening to accept new money. I’ll share the three funds with you, but first I thought this would be a good opportunity to talk about why mutual funds would ever close to new investors. The primary […]


Freddie Mac Uses YouTube to Warn of Foreclosure Scams

Freddie Mac has posted a video on YouTube to warn of foreclosure scams. It’s a 2 minute video that describes certain foreclosure scams that have surfaced in the wake of the sub-mortgage debacle. Here’s the video:  


How I beat the S&P 500 five years running and why you should (and should not) be impressed

I have not only beat the S&P 500 the last five years, I’ve clobbered the S&P 500. The S&P 500 has returned about 14% annually since 2003. While working on some posts about my investments for The Dough Roller, I set about calculating my returns for the past five years. I even had to order […]


Four Incredibly Useful Financial Calculations You Can Do In Your Head

I came across four useful financial calculations that you can perform in your head and thought I’d pass them along. Here they are: What am I giving up in retirement savings when I spend money today? This is an easy one–add a zero to the price tag. Assuming you have 30 years to retirement and […]