ROTH IRA

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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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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A Wonderful Fluke

One online dictionary defines the word “fluke” as an “unlikely chance occurrence, especially a surprising piece of luck.” Alternative descriptions include chance, coincidence, and accident. All of these synonyms are accurate adjectives for the cryptocurrency market. For the record, I am not cryptocurrency hater. In fact, my stake in Litecoin – a smaller cousin of Bitcoin – …

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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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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 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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Race Cars 2

Portfolio Report Card: A $496,000 Investment Plan with an Adventurous Flair

All investment portfolios are comparable to a novel, where each individual chooses their own personal genre and classification. If your investment portfolio was a novel, what genre would it be? Adventure? Comedy? Drama? Mystery? Horror? My latest Portfolio Report Card is for MD in Temecula, CA and he’s got an adventurous portfolio. He’s also 61-years …

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6 Really Bad and Sad Portfolio Types

We live in a Golden Era of misaligned investment portfolios. These are rogue, poorly designed portfolios (401k, IRA, Roth IRA, UGMA, 529 plans, etc.) that are architecturally unsound. And for whatever reason, the people who own them are intent on self-destruction. The Portfolio Report Card method I invented for analyzing and grading portfolios uncovers most …

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Slow Turtle

Portfolio Report Card: A $408,303 Retirement Account Stuck in First Gear

World-class investment portfolios deliberately minimize taxes and investment costs. Likewise, a well-built portfolio is handcrafted to perfectly match the unique investor personality of the individual. Since May, I’ve already executed Portfolio Report Cards on $10.6 million in investments and too many investors are still coming up short. This time around, my latest Portfolio Report Card is for S.G., …

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3 Telltale Signs of Disorderly Portfolio

Since mid-May, I along with a growing army of independent portfolio analysts, have already graded $10.6 million in investment portfolios. Some of the individual investors are old, some are young. Some have years of investment experience and others are novices. Some are risk averse, while others are not. I’ve analyzed 401(k) plans, traditional IRAs, Roth IRAs, 403(b) retirement …

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3 Big Shortcomings of Target Date Funds

Around 41% of all 401(k) savers have are using target-date mutual funds (TDFs) and the numbers keep rising. Experts in the financial services industry applaud this trend, but are target-date funds really the panacea to a secure retirement income? TDFs attempt to match a person’s age and risk tolerance with a projected retirement date. For …

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How Much Money is Enough for a Comfortable Retirement?

In 2011, the oldest members of the Baby Boom generation reached retirement age and over the next 15 years, around 8,000 Boomers per day will turn 65. And as more Americans contemplate life in retirement and preparing for it, they need to have a clearer picture of what their income (NYSEARCA:AGG) needs will be after …

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MyRA is Dead on Arrival

During his State of the Union address, President Obama unveiled his new plan to increase retirement savings. The plan is dubbed “MyRA” and is geared for people without a company sponsored retirement plan. Sadly, MyRA is more than a futile attempt at preventing people from retiring without money. It’s another shining example of grandstanding and …

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