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Library » Understanding Reinvestment Rate Risk in Today’s Environment: Avoiding Going Broke “Safely”

April 03, 2014 | Active Management

While risk is often defined by various statistics, the broadest definition of risk to investors is failing to achieve one’s investment objectives. There are three basic portfolio risks that can prevent an investor from reaching his/her goals: Capital Risk - the possibility of sustained losses …

Library » A Historical Perspective on the Asset Allocation Decision

March 26, 2014 | Active Management

Introduction To a large extent, investment objectives are driven by investment time horizon, magnitude of withdrawals, and risk tolerance level. These goals must be identified and prioritized in order to determine an appropriate asset allocation. Establishing the appropriate asset allocation for …

Library » Is a Roth IRA Conversion Right for You?

March 11, 2014 | Planning for Retirement

Introduction Traditional and Roth IRAs are two powerful tax-advantaged savings vehicles. While Roth IRAs were first established in 1997, historically low tax rates during the past decade and the ability of investors of all income levels to convert Traditional IRAs to Roth IRAs (since 2010) have …

Library » Retirement Portfolio Withdrawal Requirements

February 28, 2014 | Planning for Retirement

Introduction It is well known that tax-advantaged savings vehicles can provide benefits to investors over the long-term when compared to portfolios that do not provide tax advantages. However, investors are often unsure to what magnitude their “tax-advantaged” or “tax-deferred” accounts are …

Library » Why Security and Sector Diversification Are Important

February 20, 2014 | Active Management

Security diversification refers to the allocation of a portfolio across different securities, so that no single security makes up too large a percentage of the portfolio. Sector diversification takes this idea one step further, making sure that the portfolio is distributed among multiple …

Library » The Re-Emergence of Collective Investment Trust Funds

February 15, 2014 | Retirement Plans

Introduction As the retirement plan industry has evolved, so has the structure of investment vehicles used in 401(k) plans. Collective Investment Trust funds (CITs) have been available for decades (first launched in 1927) and were offered in very early 401(k) plans. However, the early versions …

Library » Should I Set Up a Revocable Trust Structure as the Primary Distribution Method of My Estate?

January 09, 2014 | Estate Planning

When having an estate plan prepared, individuals generally either have a Will prepared, which directs the distribution of their estate after their death, or they have a Revocable Trust prepared, which is combined with a simple Pour-Over Will that directs everything in the estate into the …


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