Investing Articles for Beginners and Pros Alike

Here you'll find our articles on investing. We cover everything from asset allocation to mutual fund selection to investing in 401k, IRA and other retirement accounts. The goal is to help you become a better, more successful investor.

DIY Investing Is the Only Way to Avoid Conflicts of Interest

Chris Mamula

I have become a personal finance junkie and proponent of do-it yourself (DIY) investing over the past few years. However, this was not always the case. My wife and I used a financial advisor for the first decade of our careers. In retrospect, we learned that we were paying far more than we realized. In […]

Published or Updated: December 1, 2016

How to Retire Early With a Roth IRA Conversion Ladder

If you are planning on early retirement, one of your biggest concerns is probably how you will be able to survive in the retirement years before you turn 59 1/2. Like most people, the vast majority of your savings and investments are probably in tax-sheltered retirement plans. Of course, you will also have to pay […]

Published or Updated: November 29, 2016

My Experience With the Vanguard Advisory Services

Michael Toub

This review of Vanguard Personal Advisor services is based on my actual experiences.  I migrated my spouse’s portfolio to Vanguard and considered using its advisor service to maintain that portfolio.  The portfolio was held at a large, full service broker and was being charged an annual fee of 1.5% of assets under management.  By comparison, […]

Published or Updated: November 22, 2016

How to Get Out of a Bad Variable Annuity

Chris Mamula

In a recent post, I explained the basics of variable annuities (VAs) and their components. I also shared how we were sold a variable annuity that we later realized was not in our best interest. Hopefully, that post will prevent others from repeating our mistake. As mentioned in the previous article, our experience is (unfortunately) […]

Published or Updated: November 8, 2016

Variable Annuities: What They Are and Why They’re a Bad Idea for Most Investors

Chris Mamula

I received my initial financial education, particularly as it relates to investing, courtesy of the school of hard knocks. My wife and I spent the first decade of our careers investing with an advisor, one who was paid by commissions on the products we were sold. In the process, we made many massive and expensive […]

Published or Updated: November 9, 2016

How to Use a Health Savings Accounts to Save For Retirement

I‘ve recently received a couple of emails from readers about Health Savings Accounts. One comes from Robert, who writes: I would like you to cover HSAs in the future podcast. We just started using one, and we are getting confused and occasionally tripped up by some of the rules. And a podcast listener named Patrick […]

Published or Updated: October 24, 2016

Is Betterment or Vanguard Better for Your Money?

I recently received an email from a reader name Shameer. His message prompted a great question, which I wanted to share with you all: “Would you suggest having my SEP IRA at Betterment or Vanguard? It’s new, I have no money in there now. But I wanna choose and be done with it. I’m listening […]

Published or Updated: October 17, 2016

Why You Need to Worry About Asset Protection Planning

Evan Gautier

At its core, asset protection planning is about keeping your money and property safe from those who might take it from you via the legal system. Commonly, people engage in asset protection planning to minimize risk of loss from potential litigation, divorce, or to protect against would be creditors. In this article, we’ll cover asset […]

Published or Updated: October 10, 2016

Real Estate Versus Stocks: Where Should Your Nest Egg Go?

There is a debate that comes up often when discussing long-term investing. Are real estate ventures or stocks the better choice for investing, either for early retirement or financial freedom? Let’s take a look at the rates of return on investment in both stocks and real estate, and see how they compare. The Long-term Performance […]

Published or Updated: September 21, 2016

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