In previous piggy bank series articles, we touched on the two most common savings vehicles for education needs – custodial accounts and 529 college savings plans. While both of them offer simplicity, low costs, and valuable tax savings, they lack the flexibility desired by certain families. For example, parents may prefer their child to have […]
Keeping Big-Picture Focus in 2020
Over the last decade, there have been many notable themes in the market. In spite of how it sometimes felt, the market continued to climb the proverbial wall of worry and rewarded faithful investors handsomely. All asset classes surged forward, building wealth for their shareholders. Commodities were the only asset left out in the cold. […]
The Piggy Bank Series: 529 College Savings Plans
When it comes to saving for college, it feels like no matter what we do, the cost of tuition seems to be out of reach. As evident in Graph 1 below, over the past forty years, college tuition has risen more than twice as fast as the Consumer Price Index (CPI), averaging about 6.6%, compared […]
The Race to Zero: The Advent of Commission-free Trades for Investors
GREAT NEWS! Charles Schwab announced that starting on October 7, 2019, transactions to buy and sell stocks and ETFs are FREE! However, Schwab was not the first large broker to make this offer. It is likely that Schwab was reacting to a free commission offering from Interactive Brokers that began the last week of September. […]
The Piggy Bank Series: Custodial Accounts
Before I had any idea what money was about, I was given a white, ceramic piggy bank. The object itself was absolutely boring, yet I loved the idea of inserting metal objects (coins) into the “tummy” of the pig, hearing the clank, and knowing that they were in a safe place. Yes, cash was pretty […]
Fear Sells
Fear dominates headlines and can keep us up at night. It seems to be the business reporters’ job to assess all possible downside scenarios. If these negative headlines never materialize, people are happy. If they do materialize, the listeners cannot say they were not warned. And the cycle goes on and on and on…… Is […]
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