INSIGHTS

Outsmarting the Ivy League?

Outsmarting the Ivy League?

Each year, the National Association of College and University Business Officers and Common Fund Institute produce a study on the returns of college endowments.[1]  This study tracks the results of University investment portfolios by size of their endowments.  Of the schools participating in the study in 2016, more than 93 had endowment assets exceeding $1-billion.

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Is it Time to “Beary” This Bull Market?

Is it Time to “Beary” This Bull Market?

It was Friday, March 6, 2009, and the stock market was in the midst of a six month freefall. In the last six months the Fed had stepped in and bailed out the banking system with the TARP program, Bear Stearns had been bailed out, the government salvaged Freddie Mac and Fannie Mae who guaranteed over half of the nation’s mortgages, and Lehman Brothers, the fourth largest investment bank in the United States, declared bankruptcy.

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Planning for Health Care Costs in Retirement

Planning for Health Care Costs in Retirement

According to the Employee Benefit Research Institute’s 2016 Retirement Confidence Survey, just 27% of workers and 37% of retirees have estimated how much they would likely need for retirement health expenses.  This is somewhat surprising given the level of concern that many people (rightfully) have when it comes to future health costs.  In fact, several recent surveys indicate that health care costs are at or near the top of the list of retirement concerns.

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How Are You Paying the Company’s Retirement Plan Expenses?

How Are You Paying the Company’s Retirement Plan Expenses?

Retirement plans such as 401(k)’s and profit sharing plans are an excellent way for small business owners and their employees to save for retirement.  As with any type of service, there are costs associated with providing a retirement plan.  These costs, or a large portion of these costs, are normally paid as a percentage of a participant’s account balance.  This discussion will examine the traditional way small businesses have paid for retirement plan expenses, explore some alternative methods, and analyze the long term impact the differing fee structures can have on retirement accounts.

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Does a Roth IRA Conversion Make Sense for You?

Does a Roth IRA Conversion Make Sense for You?

With the introduction of the Roth IRA beginning in 1998, investors were given the ability to make contributions with after-tax dollars while foregoing any tax deductions from income on the front end. In exchange they received tax-free growth on contributions and earnings with the ability to make tax-free withdrawals.

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Nobody Knows Anything

Nobody Knows Anything

At times like these when you try to comprehend what is going on around you, I go back to take some solace in advice from one of the men that would be on the Mount Rushmore (pardon the analogy) of investments.

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