401k

Portfolio Report Card: A $671,459 Retirement Plan with Taxing Problems

In this new and first episode of the Portfolio Report Card, Ron DeLegge, Founder at ETFguide analyzes and grades a $671,459 retirement portfolio for B.L. in Spokane, WA. Many investors still don’t understand the difference between an architecturally sound investment portfolio versus one that’s not. And the Portfolio Report Card is designed to identify strengths …

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Investing Trends in 2020: Where to Invest

This is an excerpt from our latest video, Investing Trends in 2020 and Where to Invest with Lynn Dolan at ETFguide and Dave Mazza at Direxion Investments. Lynn: As we head into a new decade, the market is already taking shape and new investment themes and trends are starting to take shape. Here to discuss …

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Investing great John Bogle: “Here’s how to use ETFs!”

Note: This 2013 interview between Ron DeLegge at ETFguide and John Bogle from the Vanguard Group is from ETFguide’s archives of investing greats. Bogle passed away on January 16, 2019. Hi everybody. I’m Ron DeLegge with ETFguide.com and we’re pleased to have with us John Bogle, founder of the Vanguard Group, author of many books, …

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Is Your Retirement Cushion Adequate?

As we get closer to retirement, we need to have an adequate cushion, or would I like to call, a margin of safety? Why? Well, because as we age, our investment time horizon compresses, meaning we have less time to recover should the stock market suffer a severe decline. Now, I’m not the one who …

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How to Minimize Taxes on Your Investments

Taxes are tangled web. So tangled, Will Rogers once quipped, “The only difference between death and taxes is that death doesn’t get worse every time Congress meets.” For the investor, taxes represent a real threat to wealth and a cost that must absolutely be controlled. And the only way to do this is to take …

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Tough Financial Questions that Require Honest Answers

With 2016 now officially history, a new year is upon us. And the great part about each new year is the opportunity for a fresh start. But before completely ignoring or forgetting what happened in 2016, the beginnings of a brand new year offer more than just a clean slate, but an opportunity for all …

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(Podcast) Your 2016 Investing Philosophy in Just Three Words

The beginning of a new year is always an important moment for personal reflection. And whatever it is that we want from our lives – whether it’s to become a better spouse, begin a new exercise routine, or just become better people – we must recognize that change is imperative if we’re going to reach our goals. …

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4 Things to Understand about Your Portfolio’s Margin of Safety

Does your portfolio have a margin of safety? I ask that question because the total U.S. stock market (NYSEARCA:SCHB) has been rocky over the past few weeks and now has a year-to-date (YTD) loss of -1.23%. And since most investor underperform the stock market and the index ETFs tied to it, it’s fair to assume …

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The Cost of Investment Advice is Still Too High

There are 118 million U.S. households and 108 million have under $500,000 of investable assets while 100 million have less than $100,000 to invest. What does it mean? It means the vast majority of the investing public still doesn’t meet the dollar minimums required to work with a licensed financial advisor. And for those who …

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Monster Tax Bills

Portfolio Report Card: Analyzing a Frugal $1.15 Million Account

Today, there is a singular focus by certain investors on minimizing investment cost. In their world, cost is the only thing that matters. Unfortunately, this exceedingly narrow view fails to acknowledge that curtailing your portfolio’s cost is only part of the overall puzzle for obtaining satisfactory investment results. What do I mean? Think about it …

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Portfolio Report Card: A $850,613 Portfolio with Sluggish Results

Your investment portfolio is nothing more than a reflection of who you are. In other words, it’s a personal statement about how you approach financial risk, investment cost, diversification, and taxes. If you’re disorderly when it comes to these aspects of your investment plan, the unwelcome consequences will be a disorderly portfolio with disorderly results. …

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Portfolio Report Card: A $294,439 Retirement Plan with a Tax Threat

Some of us got started late at saving and investing for retirement. And while the financial services industry enjoys browbeating people who lack discipline, got distracted or got into trouble and temporarily paused saving money, I think empathy is due when empathy is warranted. This week’s Portfolio Report Card is for K.E., a 60-year old …

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Monster Tax Bills

Portfolio Report Card: Analyzing a Self-Managed $1.45 Million Investment Plan

What are the hallmarks of a well-built investment portfolio? Low cost, broad diversification, tax-efficiency, risk compatibility with the owner, and performance that matches or beats an apples-to-apples yardstick. My latest Portfolio Report Card is for a married couple, C.J. in Orange County, CA. He is 57, she is 58 and they asked me to grade their …

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Portfolio diversification

Portfolio Report Card: A Poorly Designed $863,309 Advisor Managed Account

How can a person tell the difference between a healthy and unhealthy investment portfolio? Naturally, it’s by how well (or poorly) a portfolio does at addressing crucial areas like taxes, cost, diversification, risk, and performance. Here’s the problem: Poorly constructed portfolios are usually ignorant about these first four things, which explain why unsatisfactory performance results …

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Portfolio Management 3

Portfolio Report Card: A Misaligned $182,000 Retirement Plan

What does the optimal investment portfolio look like? Is it the portfolio with the hottest stocks and ETFs? Is it the portfolio managed by famous money managers? Actually, the optimal portfolio is perfectly compatible with you. Furthermore, optimal portfolios deliberately minimize investment cost and taxes, diversify across a variety of asset classes, and deliver investment …

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Roller Coaster Ride 2

Portfolio Report Card: A Risk Heavy $696,000 Investment Plan

Your investment portfolio is nothing more than a reflection of you. Put another way, it’s a personal statement about how you view risk, taxes, diversification, and investment cost. If you’re negligent in building an investment portfolio that fails to correctly address these key areas, your performance results are likely to suffer. My latest Portfolio Report …

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Portfolio Report Card: A $569,742 Retirement Plan with Sluggish Performance

Why do we take unnecessary risk with our investments? Is it because we’re gluttons for punishment or is it because we’re incredibly brave? Often, it’s because we’re simply distracted or unaware. Although the S&P 500 is still hanging on to its year-to-date gain, stock market volatility or “VIX” has advanced more than 30% over the …

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Portfolio Management 3

Portfolio Report Card: A $200,598 Retirement Plan Stuck in Neutral

Whenever we begin a journey, the excitement of getting started frequently overtakes us. We begin with unrealistic expectations and end disappointed. The investing experience of many people follows this unfortunate pattern. If you’re in this situation, there’s hope. Before I do a Portfolio Report Card for J.W. in Nashville, TN, here’s some background on him: …

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