The Everyday Investor

Why use Exchange Traded Funds (ETFs)?

The University of Maryland has a study that shows only .06% of active fund managers from 1975 - 2007 beat their corresponding index.
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How important is diversification?

How much do you want to put your eggs in one basket? Even a few baskets?
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What is risk tolerance, and how does it factor into my investment decisions?

Risk tolerance is how much risk you are willing to take with your investments. Let’s look at the market crash of 2008-2009. In early March, when the market finally bottomed out, how did you feel?
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Which should I do first – invest for the future or pay down debts?

Would you borrow money on your house or on a credit card to buy into an investment or put in your savings account?
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Which would be better – a traditional IRA or a Roth IRA?

If you do not need to save on taxes now, a Roth IRA is your best option.  The reason is the taxation of earnings.  With a traditional IRA, you save on taxes now on the amount you contribute.  But you pay taxes when you take the money out on both the original contributions and the earnings it made over time.   With a Roth IRA, you do not save on taxes on the amount you contribute, but you do not pay taxes on the amount […]
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Should I contribute to my company’s 401(k) or to an IRA?

The 401(k) and the IRA offer tax advantaged savings.  The differences to consider are in maximum contribution limits and matching money. Employers typically will offer to match a certain portion of your 401(k) contributions to encourage you to invest for you retirement.  The level is most often a percentage of the dollar up to a maximum – i.e., 100% match on the first 5% of your salary that you contribute.  Anything above 5% will not be matched, and anything below 5% will only be matched […]
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