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Financial Tips for College Graduates

On 05/28/2013, in Cash Management, by Jordan Wilson

U.S. News offers 10 financial tips for young adults.

Actually, financial advice for anyone starting out in the work world. Or even for those who have been working for awhile and now want to begin investing.

Good advice. A few comments from my side. 

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Target Date Funds

On 06/18/2012, in Investment Strategies, Mutual Funds, by Jordan Wilson

I keep seeing target date mutual funds pop up in my daily readings. Presumably that means they are a popular item  at the moment.

I can understand why target date funds might be popular with investors. However, they are not investments I would normally recommend to clients.

Here is why. 

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Many readers are a long ways away from retirement.

Messing up on retirement is not yet on one’s radar.

But it should be.

And the sooner you realize how people mess up retirement, the easier it is to avoid problems. 

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Are You Saving Too Much?

On 12/08/2011, in Financial Advisors, Investment Concepts, by Jordan Wilson

I read an article entitled, “Are You Saving Too Much for Retirement?”

I think it is a good article to discuss. No, the article itself is not good. Far from it. Rather this type of article is good to discuss. A big difference. 

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Recession Babies?

On 11/30/2011, in Asset Allocation, Investment Strategies, by Jordan Wilson

Younger investors should be willing to take on the most investment risk.

This is due to the classic risk-return tradeoff from Investing 101. The greater the risk assumed, the higher the expected return over time.

However, young investors today are shying away from risk in their portfolios.

Why is this the case?

Is it because young investors were “recession babies”? 

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Money Making Mistakes

On 06/01/2011, in Investment Strategies, by Jordan Wilson

Some interesting examples of money making mistakes courtesy of CNNMoney.

Superficially, they each provide decent advice for individuals.

But they also provide deeper lessons for investors.

And an overall moral that applies to all examples. 

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Risk-Averse Young Investors

On 02/18/2011, in Uncategorized, by Jordan Wilson

Just watched an excellent little video.

Excellent for two reasons.

One, it agreed with some of my recent comments on asset allocations.

Two, I have better hair than the Bank of America representative. A rare feat these days.

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Asset Allocation: Common Shares

On 02/09/2011, in Asset Allocation, by Jordan Wilson

The final core asset class is common shares.

Yes, I know the final class is equities, but I consider preferred shares to be more fixed income in nature.

We can also use percentage allocations for these equities.

Once again, the right allocation is determined by your own comprehensive investor profile. Keys include your current financial situation, phase in the life cycle, and risk tolerance.

Here are a few thoughts from my side.

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Asset Allocation: Fixed Income

On 02/07/2011, in Asset Allocation, by Jordan Wilson

Fixed income is the second core asset class.

Here we can start to look at percentage allocations when investing.

Again, the investor profile will determine the appropriate amount to invest in fixed income.

Within the profile, the phase of one’s life cycle and the investor’s risk tolerance are keys.  

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What asset allocation should you consider?

As I have written already, one’s asset allocation should be unique to his or her comprehensive investor profile. You will need to come up with your own allocation formula.

But perhaps I can offer some advice in general.

Today we will look at cash equivalents.

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