What’s the best way to save, and how much money should you save?
Most of the clients that I speak with have saved a lot of money in their U.S. bank and brokerage accounts. As such, we normally talk about the best strategies they can use to invest that money. But for folks who haven’t accumulated a lot of savings,… Read more
Do you want to minimize risk in your retirement accounts? If so, consider diversifying your holdings to include foreign investments.
Investing internationally may boost your returns and minimize risk, as you’re “geographically diversified” and not relying on any single country’s economic performance. Geographic diversification can be achieved by buying foreign stocks,… Read more
Is there a safe investment that carries little risk?
Bonds are often described as a “safe investment” since, compared with other investments, they have a smaller risk of losing principal. However, just because some people call them “safe,” that does not mean they cannot lose money. Bonds are popular because they distribute interest payments on a set schedule,… Read more
What should you do if you receive a lump sum, such as an inheritance, legal settlement, or pension payment? Should it be invested for growth or for income?
Invest for growth
A “growth investment” tries to increase the amount of money you have. Growth investments often entail some level of risk,… Read more
What is risk management, and how does it affect your investment decisions?
Every investment is risky
Every investment carries a chance of making a profit – and a risk of sustaining a loss. However, some investments are riskier than others. Generally speaking, the more profitable investments contain the most risk;… Read more
Premium bonds may be a good investment choice for retirees looking to increase their income. (For solutions to other problems retirees face, download a free copy of The Retirement Planning Book at Profile-Financial.com)
Consider premium bonds
In today’s low interest rate environment, if you park your money in bank deposits or money markets,… Read more
Recently, a couple asked me for advice on how to invest funds that they had just received as an inheritance. They didn’t need the inheritance for themselves, and they wanted to pass it along to their children (four children with a wide range of ages).
The couple’s oldest child was married and wanted to buy a house,… Read more
Conservative investors who buy bonds to avoid high risk might inadvertently be exposing themselves to a potentially devastating risk: interest rate risk.
If you are concerned that you may have interest rate risk or other hidden risks in your investments, call my office at 02-624-2788 to discuss your portfolio.
Are bonds safe?… Read more
Should financial news and media reports affect the way you make your investment decisions?
Recently, a client said: “I just read about _________ (fill in Israeli company name) in The Jerusalem Post, and I’d like to buy 1000 shares.” I hear comments like this fairly often. Since I help people who live in Israel with their U.S.-based IRA and brokerage accounts,… Read more
When you retire, your cash flow changes. Since most pensions won’t replace 100% of your pre-retirement income, you need other ways to increase your monthly cash flow.
A bank may not meet your needs
If you put your money in a regular savings account in the bank, you have little risk of losing your principal…. Read more
