6 Essential steps to diversify your portfolio

6 Essential steps to diversify your portfolio

Diversification is often considered the only free lunch in investing. In one of my earlier blog posts, I talked about the practical benefits of diversification. I explained the concept of investing in uncorrelated asset classes and how it reduces the overall risk of the investments.  In this article, I will walk you through 6 essential Read more »

15 Mistakes in personal retirement planning

As a fiduciary financial advisor, I help my clients achieve their financial goals and ensure a safe path to retirement. I often encounter issues, which if not resolved on time, can impose serious threats to meeting these life objectives. In this article, I would like to share  my experience and guide you through some of Read more »

Municipal Bond Investing

Municipal Bond Investing

What is a Municipal Bond? Municipal bond investing is a popular income choice for many American.  The muni bonds are debt securities issued by municipal authorities like States, Counties, Cities and their related companies. Municipal bonds or “munis” are issued to fund general activities or capital projects like building schools, roads, hospitals and sewer systems. Read more »

High Dividend ETF Strategies

High Dividend ETF Strategies

Introduction The market has been observing consistently declining yields ever since the start of the financial crisis in 2008. In the current low yield environment, 10-year Treasury bond pays a mere 1.6% in interest and S&P 500 yields just above 2% in dividends. Furthermore, we observe negative interest rates in Japan, Switzerland, and Germany. At the Read more »

4 Steps to determine your target asset allocation

4 Steps to Determine your target asset allocation

One of the financial advisors’ primary responsibilities is to determine and document their clients’ target asset allocation. The target allocation serves as a starting point and guideline in diversifying the client portfolio and building future wealth. Clients’ unique financial goals, lifestyle, investment horizon, current and expected income and emotional tolerance to market turbulence will impact Read more »

A Guide to Investing in REITs

Guide to investing in REITs

On August 31, 2016, S&P 500 will introduce a new sector – Real Estate. Up until now real estate companies, also known as REITs,  belonged to the Financial sector. They were in the company of large financial and insurance corporations. The new category will have 27 stocks, $567 billion of market capitalization and approximate weight Read more »

Мaximize the benefits of Roth IRA

Мaximize the benefits of Roth IRA

Roth IRA is a tax-exempt investment account that allows the owner to make after-tax contributions.  The plan has a tax free status. All investments grow tax-free. The plan offers a lot of flexibility and few constraints.  There are many ways to maximize the benefits of Roth IRA ownership. Save for the future. Opening a Roth Read more »

Introduction to portfolio diversification

Introduction to portfolio diversification

Introduction Portfolio diversification is one of the main pillars of retirement planning. The old proverb “Never put all your eggs in one basket” applies in full strength to investing. Even the Bible talks about diversification. Ecclesiastes 11:2 says “Divide your portion to seven, or even to eight, for you do not know what misfortune may occur Read more »

How to build your 401k plan

How to build your 401k plan

401k plans are a powerful savings tool for retirement With total assets reaching $4.8 trillion dollars 401k plans are the most popular retirement vehicle and are increasingly used by employers to recruit and retain key talent.  401k accounts allow employees to build their retirement savings by investing a portion of their salary. Contributions to the plan Read more »

A beginner’s guide to ETFs

Guide to ETFs

A beginner’s guide to ETFs. The ETF industry was born as a result of the market crash in October 1987. The initial goal behind ETFs was to provide liquidity and mitigate volatility for market participants. Over the last 20 years, ETFs became a favorite investment vehicle for individual investors and asset managers. Today, globally there are 6,870 Read more »