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Is a 60/40 Investment Allocation for Everyone?

  One of the most important choices we have with our investments is the allocation of our dollars. How much will we invest in stocks, in bonds, or in any other assets? Large or small, growth or value?  Studies have shown that over…
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Thin(k) About Your 403(b) Plan: Catch-Up Contributions – A 403(b) Plan’s Special Extra

We talk a lot about 401(k) plans, but many nonprofit organizations including churches, non-profit hospitals and public-school systems use the 403(b) as a qualified retirement plan for employees.  And, like the 401(k), you can “catch-up”…
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Thoughts in Charts: U.S. Currency

I took a trip to Europe after I graduated from college. My parents bought the plane ticket, and I was responsible for my “walking around” money. I wasn’t in the habit of following the currency market, so standing at the exchange counter…
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Thoughts in Charts: Keeping a Global Perspective

As US investors, it’s important to pay attention to how the international market is behaving. The panel on the left shows that US returns were stronger from 2005 to 2019, followed by EM, Europe ex-UK and then Japan. Now let’s look…
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Thin(k) About Your 401(k) Plan: A Non-401(k) Plan Week – A Fascinating Resource of Reports From McKinsey

McKinsey has recently published a fascinating and useful collection of reports Charting The Path To The Next Normal: A daily chart that helps explain a changing world - during the pandemic and beyond.  The page is full of charts linking to…
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Diversification – What Happened?

We’ve heard it time and again – “Don’t keep all your eggs in one basket.”  This childhood lesson finds its way into most investment portfolios, with diversification being an important and well-accepted principle in developing…
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Thin(k) About Your 401(k) Plan: Retirement Savings Tax Credit – Drive Employee Participation

Plan administrators often ask me about how to increase employee participation rates in their 401(k) plans.  How do I get my employees to save when they don’t feel that they can spare the money?  The Retirement Savings Tax Credit could be…
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Thoughts in Charts: The Curve May Change the Strategy

I was talking with a mentor late last year, and she was telling me about this incredibly “reasonable” request from a client. He was asking for a very low risk 2% annual income from an investment that he was happy to hold for the next 15…
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Fellow Women – Bring Together Money and its Meaning in Your Life

Five months into a quieter isolated life, many of us have taken to online yoga classes, healthier home cooking, and meditation as ways to deal with the disruption. But as you strive to bring peace into your life, are you at peace with…
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Thin(k) About Your 401(k) Plan: Target Date Funds - 401(k) Plan’s Investment Choice

Targeted Date Funds (TDFs) are clearly here to stay with more and more 401 (k) Plan Participants using them as a primary investment option.  Vanguard’s recently release report, How America Saves 2020 shows that 80% percent of participants…