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“Get rich quick never work. You will lose your money. Saving faithfully over time will always build wealth- it just takes a little while” _Dave Ramsey Financial Peace University
“Don’t put all your eggs in one basket” _Unknown
"Don’t look for the needle in the haystack. Just buy the haystack.” – John Bogle
"In the long run, I believe having an advisor will pay for itself by preventing me from making irrational decisions during both bad times and good," writes Dennis Friedman.
"If we can’t reliably predict which companies will succeed, we should just buy the whole stock market through low-cost index funds and bet on America for the long haul," argues John Goodell.
“The market always recovers. Always. And if someday it really doesn’t, no investment will be safe and none of this financial stuff will matter anyway.” from book "Simple Path to Wealth"
“The harsh truth is, I can’t pick winning individual stocks and you can’t either. Nor can the vast majority who claim they can. It is extraordinarily difficult, expensive and a fools errand. Having the humility to accept this will do wonders for your ability to build wealth.” from book "Simple Path to Wealth"
"What is the secret of success? I’m rational. That’s the answer. I’m rational. It’s not possible for investors to consistently outperform the market. Therefore you’re best served investing in a diversified portfolio of low-cost index funds [or exchange-traded funds]." Charlie Munger
‘We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.’ Warren Buffett
‘We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.’ Warren Buffett
"Active vs. Passive Investing: The academic research on this is unbelievably clear and consistent...between active and passive investment. It is almost impossible, net of fees, to outperform the market over the long-term. Only 1/3 of professional investment managers outperform the market in any one year. After 10 years it's less than 15%. So, what makes you as an amateur think you can do this if you're not spending all of your time trying to find companies that are likely to beat their expectations?"-- Andy Rachleff, co-founder of Wealthfront
"I don’t know how the market will perform in December.
I don’t know how the market will perform next year.
I don’t know how the market will perform over the next 3, 5, or 10 years.
I do know the odds tilt ever more in my favor the longer I hold.
So that's what I focus on." Brian Feroldi
TIPS:
Start early and invest automatically and regularly equal amounts on a set schedule
Invest for the long haul
Diversify using domestic and international funds
Use index funds: never use banks, insurance companies or brokerage firms affiliated to banks
Pay yourself first per pay period when contributing money to a retirement investment or saving account.
Invest only money you don't need for your daily expenses or for emergencies
Start with a ROTH Ira
Contribute to the 401(k) (or 403(b) at work and save pretax dollars. If your employer doesn't have it contribute yourself to an IRA and if self employed to a SEP
Start by saving just 1% of your salary per month for retirement with an automatic withdrawal from your salary every pay period gradually continue to increase your contribution until you reach 15-20%
Take advantage of the employer match
Use targeted retirement funds (that have index funds)
Use discount brokers like Vanguard, Fidelity or Schwab and save on commission and fees
Know whats in your plan and the commission and fees your are paying
Never use full-commissioned brokers or insurances
Have a money mentor in your life like Dave Ramsey, Suze Orman or Clark Howard.
File for a Saver's Credit if you qualify
Don't pay a professional to manage your money
If you run out of places to invest your money consider a FSA (flexible savings account)
Have diversified income sources to keep your ship afloat if one engine gets torpedoed
Portfolio Back Test: https://www.portfoliovisualizer.com/analysis
Calculators: Retirement, How long will my money last, Etc. https://www.saving.org
Compound calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
Sector Performance: https://www.barchart.com/stocks/market-performance
https://novelinvestor.com/sector-performance/
Fund overlap: https://www.etfrc.com/index.php
401k Fees: How Much is Too Much?
Why You Need To Know Your Company 401(k) Fees
What Is an Annuity, and Why Does Clark Think They Stink?
What Is a Solo 401(k) and How Does It Work?
What Are Dividend Stocks and Should You Invest in Them?
The Best Index Funds: Looking for low-cost index funds to invest in? These mutual funds and ETFs earn Morningstar’s top rating for 2025.
Certificate of Deposit (CD): What Is It, Best Places To Open One
The Only 2 Exceptions To Clark Howard’s Annuity Rule
Team Clark’s Favorite Investment Companies Right Now
5 Keys To Be a Successful Investor
Real Estate Investing Resources from Dave Ramsey
3 Places You Should Never Invest Your Money
Investing in foreign stocks? Pay attention to a country's political and economic institutions
The True Tax Benefit of IRAs and 401(k)s
A Glossary of Stock Market and Financial Investing Terms
Saving and Investing Calculators (Clark Howard)
What Should I Read To Learn More About Investing?
What Are Mutual Funds? And How Do They Work?
Investopedia: a good place to learn about investing and personal finance
Best Financial Advisors in 2024
What’s the Best Place To Get Investing Advice From an Advisor if I Have Limited Assets?
What I Learned Investing My Mom’s IRA
The One-Page Financial Plan the one-page plan isn’t really about details. Instead, it reminds me of what I value most, and helps me make decisions that keep me focused on those values.
Does Clark Think Schwab Is the Best Investment Company?
What Is a SEP IRA and Who Is Eligible?
What Is a SIMPLE IRA and How Does It Work?
When you’re struggling with the basics, a financial fitness coach or an accredited financial counselor may be a better fit than a financial planner. Financial coaches and counselors specialize in budgeting, debt management, retirement planning and creating better money habits in general. Coaches and counselors in private practice typically charge $100 to $150 an hour, although many work on a sliding scale. These accredited financial professionals also are employed by the military, credit unions and other organizations to provide services for free or low cost. You can start your search at https://www.afcpe.org/.
Investment Growth Calculator: This free calculator can help you see how much your savings and investments can grow over time. Just enter your details and see your financial goals come into view!
Roth IRA vs Traditional IRA Calculator
Humble Dollar Portfolio builder
Humble Dollar Guide to ways of investing
Humble Dollar Guide to Investing
Is a 401(k) Safer Than an IRA?: A 401(k) offers legal protections that you don’t get from an IRA. What else should you worry about if you’re concerned about liability and litigation?
Clark’s ‘This, Not That’ Real Estate Investment Advice
What Brokerage Does Clark Recommend For First-Time Investors?
Should I Convert a Traditional IRA To a Roth IRA?
10 Questions To Ask a Financial Advisor Before You Hire One
Investing: Self-directed vs. Robo-Advisor vs. Financial Advisor
Warning: How You Should NOT Buy Gold
How to Use Bitcoin in Your Portfolio
Why You Should Spend Your IRA Money Before You Die
Target Date Funds: Clark’s Favorite Retirement Investment
Scammers use Bitcoin ATMs to steal your money
How to Choose Your 401(k) Investments
A Midyear Portfolio Checkup in 7 Easy Steps | Morningstar
What Is an Annuity, and Why Does Clark Think They Stink?
The Only 2 Exceptions To Clark Howard’s Annuity Rule
Periodic Table of Investments: The Periodic Table of Investment Returns depicts annual returns for key asset classes, ranked from best to worst performance for each calendar year.
Sign up for a free Empower account to gain access to track your asset allocation, investment performance, individual account balances, net worth, cash flow, and investment expenses.
What Is a CD Ladder and When Is It a Good Idea?
Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor
Should I Avoid Investing More Than $500,000 With a Single Brokerage Firm?
5 Reasons to Simplify Your Investment Portfolio.
How Much Does a Financial Advisor Cost?
3 Places You Should Never Invest Your Money
How To Find and Choose a Financial Advisor
How to Evaluate Your Financial Advisor
Target Date Funds: Clark's Favorite Retirement Investment
5 Steps to a Minimalist Portfolio: A guide to building an effective, low-maintenance portfolio. Should I Fire My 1% Financial Advisor To Save on Fees?
The Biggest Winners in the Stock Market.
Why It’s Usually a Mistake to Own Individual Stocks.
The Value of International Diversification.
My Company Moved My 401(k) to an Insurance Company. What Should I Do?
My Company Doesn’t Offer a 401(k). What Are My Retirement Account Options?
Why You Should Spend Your IRA Money Before You Die
Best Financial Advisors in 2024
Your portfolio’s core holdings should be total market index funds. But which funds?
Should I Convert a Traditional IRA To a Roth IRA?
The Best International Stock Index Funds
The Best Target-Date Funds for 2024
I Keep $10 Million in High-Yield Savings Accounts and CDs. Am I Too Conservative?
Target Date Funds: Clark’s Favorite Retirement Investment
Shareholder Letters from Berkshire Hathaway Warren Buffett’s letters to shareholders
Humble Dollar Guide to portfolio builder
What Should I Do With My 401(k) at My Old Company?
Best Investment Companies for Investors in 2024
What are your choices if your advisor moves (podcast)
Team Clark’s Favorite Investment Companies Right Now
Model Portfolios for Fidelity Investors
the funds that have destroyed the most of shareholders’ capital over the past decade,
the biggest wealth creators over the past 10 years.
3 Great Target-Date Funds for an IRA in 2024 | Morningstar
Mutual Fund Managers Are Wrong More Than They’re Right
6 Key Reasons Why Investing in a Taxable Account Is Underrated
4 Beginner Investment Mistakes To Avoid
Portfolio Builder- Humbledollar
How To Save and Invest the Clark Howard Way
Finding an Honest Investment Advisor
Which Investments to Keep Out of Your Taxable Account
I Want To Liquidate Investments Instead of Taking Out a Loan for a Vehicle. How Should I Do It?
Comparing Clark’s Favorite Investment Companies in 2024
7 SIGNS YOUR ADVISOR IS DOING REAL FINANCIAL PLANNING
Tax-Efficient Model Portfolios
Best Advice from Mr. Money Mustache
The Best Advice from JL Collins
3 Places You Should Never Invest Your Money
Create a Portfolio You Don't Have to Babysit | Morningstar
Team Clark’s Favorite Investment Companies Right Now
Finding an Honest Investment Advisor
Dave Ramsey's 12% Return Strategy Is Replicable
What Is a CD Ladder and When Is It a Good Idea?
Safe, Consistent Investment Returns
Target Date Funds: Clark's Favorite Retirement Investment
Clark Howard's Advice on Buying Gold
Best Investment Companies for Investors in 2023 (Clark.com)
Why You Should Spend Your IRA Money Before You Die
Why You Should Never Invest With a Bank
3 Places You Should Never Invest Your Money
Best Financial Advisors in 2023 (Clark.com)
The 10 Things You Need To Know About Compound Interest
Inheriting an IRA? Here’s What You Need to Know
If the best investments only get you 10-15% returns a year, how do people become rich from investing? by Doug Armey
The Two-Minute Checkup: a unique financial tool: It aims to offer feedback across someone's entire financial life based on no more than nine pieces of information.
>> How to Hire the Best Money Coach for You
Vanguard Personal Advisor Services | Let's Talk
Stop Being Afraid of a Down Market
How to Waste Money on Investing:
How to Waste Money on Investing:
Don’t take advantage of a retirement plan with employer matching that doubles your money.
Invest outside of a retirement plan instead of fully funding the plan first.
Buy variable and fixed annuities that charge you big commissions and high fees.
Buy load mutual funds and trade them often.
Cash in your 401(k) when you leave your job instead of rolling it to an IRA.
Cash in your IRA when money gets tight.
PODCAST:
PODCAST:
Listen to Why Every Investor Should Own This Fund! from Money Guy Show on Apple Podcasts. https://podcasts.apple.com/us/podcast/money-guy-show/id121362031?i=1000471084923
Listen to Are You Using Your 401(k) the WRONG Way? (You'll Want to Watch This!) from Money Guy Show on Apple Podcasts. https://podcasts.apple.com/us/podcast/money-guy-show/id121362031?i=1000490076787
Be Wise, Your Financial Future is at Stake | Dan Otter | EP 279 : Teachers have been getting taken advantage of when it comes to their investment options. Thankfully, the internet and technology have made it easier to get the word out and help teachers wanting to do better. (high costs annuity inside a 403b
FIX MY 403B: Listen to 220 | Fix My 403b | Nancy Bachety from ChooseFI on Apple Podcasts. https://podcasts.apple.com/us/podcast/choosefi/id1187770032#episodeGuid=11853096-c772-4626-9a53-fb38698d4619
272 | Understanding Compound Interest & Investing for Beginners ChooseFI As the ChooseFI community continues to grow, it's necessary to discuss some fundamental basics that serve the audience who are just getting started, as well as provide a refresher for those who have been on the path for a long time. In this episode,...Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/choosefi/id1187770032?i=1000499878421
Passive Income EXPOSED: 3 Ways to Actually Make Money (2022 Edition) - The Money Guy Show | Investing, Tax, Estate, Retirement, Insurance, Spending, Saving, and Wealth Building Advice
https://moneyguy.com/2022/09/passive-income-exposed-3-ways-to-actually-make-money-2022-edition/
Can a Mutual Fund Consistently Outperform the Market?
The Truth About Money with Ric Edelman The latest SPIVA performance scorecard for funds was recently released. Listen to Ric Edelman dig into the data and share a surprising finding. Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-truth-about-money-with-ric-edelman/id274994551?i=1000502588432
MORE QUOTES:
‘If you like spending six to eight hours per week working on investments, do it. If you don’t, then dollar-cost average into index funds.’
‘If you like spending six to eight hours per week working on investments, do it. If you don’t, then dollar-cost average into index funds.’
Buffett has long advised most investors to use index funds to invest in the market, rather than trying to pick individual stocks. By picking individual stocks you’re working against the pros who have extensive intelligence on companies. In contrast, if you buy an index fund based on the S&P 500 index, you’ll own the market, the target that everyone is aiming to beat. By all means, if you enjoy investing, then do it, but most investors are going to be well served by using an index fund and especially by avoiding trading in and out of stocks. Another advantage of using index funds — immediate diversification, which lessens your risk.
What is the best investing advice you have received? by Drew Saelens Long term index fund investor:
The best investment tip I ever got was at a wedding in 2006. A friend of mine who is a hedge fund manager also attended. I wanted some hot stock tips from him. He looked at me soberly and seriously and said,
“The best thing you can do is to buy index funds. I meet with the management teams of these companies and pay millions of dollars for research. I have more information than you’ll ever have and we often still don’t beat the market. The individual investor stands no chance buying individual stocks. Buy index funds and hold them.”
That is the advice a true friend will give you. He knew the game and played it at the highest levels. He didn’t try to posture and tell me about some high flying stock. He told me the reality of the situation.
Low-cost index fund investing is one of the reasons I was able to grow my investments by over $200k in three years and why I didn’t lose sleep during the recent market corrections
“Imagine you have $100,000 invested. If the account earned 6% a year for the next 25 years and had no costs or fees, you'd end up with about $430,000. If, on the other hand, you paid 2% a year in costs, after 25 years you'd only have about $260,000.That's right: The 2% you paid every year would wipe out almost 40% of your final account value. 2% doesn't sound so small anymore does it?” Vanguard site
More quotes on "Quick Tips on Investing":
I have set up automatic contributions to my Roth IRA to max it out. - MoneyManifesto.com
I set a 1-month freeze on any money I deposit in my investing accounts. It keeps me from throwing the money at the first idea that comes to mind and cuts down on investment fees. - Joseph Hogue
I dump into the market chunks of $1,000. When my "Honey Pot" account has $1,000 more than I need in an e-fund, it just gets put in index funds. - BrokeMillennial.com
Any time CapitalOne Investing has a bonus deal on custodial accounts, I take it. I've set up 5 accounts for my kids for college with a min. of $25 invested and a bonus of $50. I don't know of any other way to make that kind of money that fast. They let you do it multiple times. - Linsey Knerl
For our Roth IRA's, we fully fund them as quickly as possible every year and then start saving for the next one... that means they were fully funded for 2016 in January and we're saving for 2017 now. - BudgetingInTheFunStuff.com
I use Acorns, max out my Solo 401(k), HSA, IRA, and then leave the rest in my business account creating a tax barrier so I don't touch it. - Paul Burckhardt... Who then left this gif to show how well it's been going ;)
Why You Should Spend Your IRA Money Before You Die
Should You Follow the 4% Rule When You Retire?
How to conduct a year-end portfolio review
What Is Environmental, Social and Governance (ESG) Investing?
Do I Need a Financial Planner?
Facet Wealth Review: Is It a Fiduciary and How Much Does It Cost?
What’s the Rule of 72 and Why Should I Care?
How to Conduct Your Own Portfolio Makeover | Morningstar
I Keep $10 Million in High-Yield Savings Accounts and CDs. Am I Too Conservative?
7 Questions To Ask a Potential Financial Advisor
Guarantee Yourself a Lifelong Income Stream
A Fast Way to Find Out If a Financial Advisor Is a Fiduciary
Ready to invest? See how to open an account | Vanguard
Tutorial: How do I buy an ETF or stock? | Vanguard Support
How To Build Passive Income For Financial Independence
Ranking The Best Passive Income Investments
considering a fancy stock purchase? Like crypto or AI? Look Under the Hood
How To Find and Choose a Financial Advisor
New IRA Withdrawal Rules: Early Withdrawal Penalties & Exceptions
Best Places for Beginning Investors To Put Savings
What Is an Annuity and How Does It Work?
Target retirement funds for a child or beginner
What Brokerage Do You Recommend for First-Time Investors or Kids?
What Is a Roth 401(k) and How Does It Work?
My Financial Advisor Isn’t a Fiduciary. Should I Switch?
U.S. savings bonds : Learn about the types of U.S. savings bonds, how to buy or redeem them, and calculate their value. Find out how to change a bond’s ownership, replace it, and whether it is taxable.
3 Places You Should Never Invest Your Money
Which Is Better: Lump Sum Investing or Dollar Cost Averaging?
THE STOCK MARKET offers limited downside and unlimited upside
Where Do I Invest After I’ve Maxed Out My 401(k)?
Best Short-Term Investments: The Safest Accounts for Your Money
An Investing Road Map for Early-Career Accumulators
An Investing Road Map for Midcareer Accumulators
An Investing Road Map for Pre-Retirees
An Investing Road Map for Retirees
2023 Vanguard Review: Updated Pros & Cons
The Dangerous Investment Mistake That’s on the Rise
The Stock Market Will Pick the Winners For You.
Portfolio Builder - HumbleDollar
Team Clark’s Favorite Investment Companies Right Now
It’s a snap to see if someone’s a registered broker by looking them up on Finra’s BrokerCheck, which contains a wealth of information.
Why You Should Spend Your IRA Money Before You Die
Questions to Ask a Financial Advisor at Your First Meeting
What Brokerage Does Clark Recommend For First-Time Investors?
Reviewing Vanguard Personal Advisor Services
Setting Up a CD Ladder: The Pros, Cons and How-To
What Should I Read To Learn More About Investing?
Start Here, Go Anywhere: WELCOME TO OUR comprehensive and continuously updated financial guide. Visiting for the first time? You might start with the financial life planner and the portfolio builder. Looking for a particular topic? Check out the table of contents or try the search function. Are you an instructor using the guide with students? Here are some tips.
Active Funds Continue to Fall Short of Their Passive Peers | Morningstar
IRA vs. 401(k): Which Is Better?
Do You Have the Right IRA for Your Retirement?
Should I Have Gold in My Portfolio Right Now?
ETF vs. Mutual Fund: Which Investment Is Better?
8 Questions To Ask Your Financial Advisor
Should You Manage Your Own Investment Portfolio?
The Difference Between Investment Advisers and Mutual Fund Money Managers
How to Invest in Target-Date Funds
Want a simple yet resilient investment portfolio?
Cheap Way To Buy Amazon, Apple and Other Stocks
How To Find A Financial Advisor [Questions To Ask]
What Fee Percentage Is Acceptable for a Company 401(k)?
Investing in The Next Big Thing
Forgetful Investors Performed Best
Should I Invest Instead of Paying Extra on My Low-Interest Mortgage?
When You Should NOT Contribute to a Bad 401(k)
Beware The Free Lunch (Or Dinner) Investment Seminar
3 Places You Should Never Invest Your Money
6 Types of Investment Fees You Need To Uncover
Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging?
Three Fund Portfolio: Why Simple Is Often Better
The Ultimate Excel Finance Dashboard
Optimal Order for Investing Your Money
DIY Mutual Funds Investing for the Little Guy
How to Make Money When Markets Are Flat
Managing Your 401k In Your 50s
Will the Real Financial Planners Please Stand Up?
What Is a Fiduciary Financial Advisor and Do I Need One?
Choice of Financial Adviser Can Dramatically Affect Retirement Savings
Use This Rule To See When Your Money Will Double
Can Performance Trump Fees When It Comes To Investing?
Getting Financial Advice From Family and Friends Can Be Costly
Ranking The Best Passive Income Investments
5 Questions to Ask a Financial Advisor
Why You Should Spend Your IRA Money Before You Die
What Is an Annuity, and Why Does Clark Think They Stink?
Can You Save Too Much in a Health Savings Account?
Claim for Lost, Stolen, or Destroyed United States Savings Bonds
What Is a Fee-Only Financial Planner?
Time for Gold? : Tempted to buy gold? Rick Moberg lists nine key issues to consider, everything from lousy long-run returns to unfavorable taxation to the difficulty calculating a fair value.
Clark Howard's Advice on Buying Gold
How to Recover from a Bad Investment
How to Invest if You’re Worried About a Recession
Portfolio charts Portfolio Charts explores practical worldwide index investing strategies using intuitive charts and real-world examples that look beyond the raw numbers. It is a labor of love by an individual investor just like you, and my mission is to provide tools and resources that empower everyday people to achieve their financial goals while enjoying the journey.…
Portfolio Visualizer: s an online software platform for portfolio and investment analytics to help you make informed decisions when comparing and analyzing portfolios and investment products. Our suite of quantitative tools covers portfolio modeling and backtesting, Monte Carlo simulations, portfolio optimization, factor models, and tactical .
Portfolio Visualizer: s an online software platform for portfolio and investment analytics to help you make informed decisions when comparing and analyzing portfolios and investment products. Our suite of quantitative tools covers portfolio modeling and backtesting, Monte Carlo simulations, portfolio optimization, factor models, and tactical .
Portfolio Visualizer is an online software platform for portfolio and investment analytics to help you make informed decisions when comparing and analyzing portfolios and investment products. Our suite of quantitative tools covers portfolio modeling and backtesting, Monte Carlo simulations, portfolio optimization, factor models, and tactical asset allocation models.
Build Your Stax: stock market simulation game...How high will your stax grow? Presented By. You've got 20 years to grow your wealth. Who will have the biggest stax? Play in Group. Play Alone.
Team Clark's Favorite Investment Companies Right Now
Getting Financial Advice From Family and Friends Can Be Costly
FS Safe Withdrawal Rate Formula
Understanding the Time Value of Money
Why Annuity-Averse Clark Makes an Exception for This Type
9 key questions to ask when investing
6 reasons to stick with index funds
When Are Roth Accounts Better then Tax-Deferred?
10 Types of CDs: Which Certificate of Deposit Is Best for You?
The Dangerous Investing Mistake Clark Wants You To Avoid
What Fee Percentages Are Too High For Your Investments?
How to Buy Bitcoin and Other Digital Currencies
6 Best Stock Trading & Investment Apps
Savvy Strategies for Your Health Savings Account
3 Places You Should Never Invest Your Money
How To Save and Invest the Clark Howard Way
Don't fall in love with individual stocks
What Is a Spousal IRA and What Are the Rules?
Are You Paying Too Much for Financial Advice?
DIY Mutual Funds Investing for the Little Guy
NAPFA: National Association of Personal Financial Advisors
Need an Advisor? Here's 13 Questions to Ask
In Praise of Target-Date Funds | Morningstar
Why You Need to Be Diversified to Protect Your Portfolio
The Simple Magic of Investing in a Three-Fund Portfolio
Why You Should Never Invest With a Bank
7 Mistakes You’ll Definitely Make Hiring a Financial Advisor
17 Bitcoin ETFs and Cryptocurrency Funds You Should Know
An Awesome (and Free) Investment Tracking Spreadsheet
Low-Cost Protection - with index funds
Investing in The Next Big Thing
The Dangerous Investing Mistake That’s on the Rise
How Much Should I Invest? Create Precise Monthly Investment Goals
A Beginner's Guide To NFTs: What They Are, How To Invest, And More
JL’s Guided Meditation for When the Stock Market is Dropping
Why Are Bitcoin Prices So Volatile?
Investment Basics: How Diversification Can Protect Your Money
Do-It-Yourself Mutual Funds Investing for the Little Guy
Bury Your Money: Put Your Money & Investments in “Time Capsules” (and stay invested no matter what)
How I learned to stop worrying and love market volatility
When is the Best Time to Start Investing?
Are Real Estate Investments Worth the Effort?
Are You Investing or Gambling?
Is There a Safe Way To Invest in Real Estate?
Trying to make investing simple
Investing for Beginners: Complete Guide to Getting Started
Best Investment Strategy for New Investors
The Savings Strategy That Can Help You Fight Inflation: series I bonds
Active Versus Passive Investing Performance In Stocks And bonds
Active strategies remain popular with both individual investors and their wealth managers. Why?
My Cliffs Notes on How to Make, Save and Invest Money
12 Horrible Investment Mistakes
A Simple Portfolio Is All You Need
How to Know If an Investment Is Too Risky
When and How to Hire a Financial Advisor
the risk of self-inflicted investment wounds
What Is a Fiduciary and How Do I Know if My Financial Planner Is a Fiduciary?
Bogleheads 4 Fund Portfolio – Guide to Asset Allocations, Pros & Cons
8 Best Vanguard Funds to Save for Retirement
#1 Rule Savers and Investors Should Know To Double Your Money
M1 Pies: Level Up Your Dividend Strategy and Optimize Your Portfolio Like a Pro :M1 Pies, M1 Finance’s flagship portfolio tool, allows you to follow in the footsteps of some of the heaviest hitters in finance today. It is a completely human hands-off fund manager. Not only does this give you the tools necessary to step up your market game, it gives you a nuanced advantage to specialized investing.
With M1 Pies, M1 Finance team has taken decades of market evaluation, combined the past with the present, to help give you the future you desire from your portfolio with M1 Pies.
Strong Reasons To Hire A Financial Advisor
Why they believe in active funds?: The data tell us that most actively managed funds underperform competing index funds—and yet many folks still buy active funds. Why? Adam Grossman lists seven possible reasons.
Vanguard Digital Advisor Review
9 Types of Online Tools Every Stock Market Investor Should Be Using
What Is Socially Responsible Investing and How to Start
Form ADV: Ask for the ADV form for advisors. This form tells you who he is, how they do business .:
Impact Investing: What You Need to Know
Investing for Beginners: Start Here if You Don’t Know Anything
Motley Fool vs. Zacks vs. Morning Star Comparison
Just remember: When it comes to investing, less can be more.
Does Clark Think It's OK To Invest in Stocks?
How a 1% Fee Can Sabotage Your Retirement Savings
How To Save and Invest the Clark Howard Way
How To Start Investing for Beginners With Little Money
Roth IRA Basics: 11 Things You Must Know
Invest in a Roth 401(k) If You Can
ETF vs. Mutual Fund: Which Investment Is Better?
Everything You Must Know About "Backdoor" Roth IRAs
Top 3 Target Date Fund Companies
Bonds vs. TIPS: Which is Better
Series I savings bonds: A safe investment with a high return
How Investment Fees Can Ruin Your Portfolio Returns
Watch out for fees: What a Drag
How To Retire a Millionaire With a 401(k) Plan
I’m 20, and I’m Actually Saving Money. Where Should I Put It?
How To Become a Millionaire With an IRA
The Pros & Cons of Alternative Investments
10 Best Stock Trading Apps for 2021
What Is a Mutual Fund - Definition, Types, Pros & Cons
What Is an Annuity, and Why Does Clark Think They Stink?
How to Read a Stock Chart | A Step-By-Step Guide
How To Monitor Your Investments
In Praise of Target-Date Funds
Target Date Funds vs. Index Funds: Which Are Better for You?
Best Financial Advisors in 2021
Why This Top Robo-Advisor Is Great for New Investors
Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
5 Money-Smart Reasons to Get a Health Savings Account
CFPB’s Know your financial adviser is a guide to help you ask the right questions and find a knowledgeable and trustworthy financial adviser.
Full-Service Financial Advisor vs. Hybrid Robo-Advisor: What's Best for Me?
Personal Capital Review: How It Works, Pros & Cons
Schwab Intelligent Portfolios Premium Review
0 Questions To Ask a Financial Advisor
How Much Does a Financial Advisor Cost?
How To Find and Choose a Financial Advisor
Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?
How To Find and Choose a Financial Advisor
Is Your Financial Planner Acting in Your Best Interest?
Measuring Your Investment Returns
What Is a Fiduciary Financial Advisor and Do I Need One?
The Best Target-Date Funds for 2021 and Beyond
How To Save and Invest the Clark Howard Way
Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
Vanguard Funds and the Impact of Fees on Your Investment
Fidelity Personalized Planning & Advice Review
The Big Difference Compound Interest Can Make to Small Savings
Best Investment Companies for Investors in 2021
Portfolio Builder - HumbleDollar
Fidelity Investments Review 2021: Pros & Cons
Charles Schwab Review 2021: Pros & Cons
Vanguard Review 2021: Pros & Cons
Vanguard Personal Advisor Services Review
Should I Pay Off Debt, Save Money or Invest?
Who Should Use a Robo-Advisor?
Should You Manage Your Own Investment Portfolio?
Stock Series | JLCollins (reader's version)
What To Do With a Lump Sum, Inheritance or Windfall
7 Strategies to Make Smart Investments at Any Age
Best Low-Risk Investments with High Returns for 2021
The Biggest Mistake People Make When Opening an Investment Account
But how does bitcoin actually work? YouTube
6 Best Stock Trading & Investment Apps in 2021 - Clark Howar
10 Best Investment Companies for Small Investors
Is a Roth IRA Better Than a Traditional IRA? -
2 Big Investing Mistakes That Actually Made Me Smarter
Financial Planning We Can Afford
Why You Should Start Investing at a Young Age
This Chart Will Tell You How Much Every $1 You Invest Will Be Worth by Age 60
4 Things to Know Before You Buy Fractional Shares
Best Stock Research Tools for Investment News, Analysis & Ratings in 2020
Your Guide to Roth Conversions
Trying To Time The Market Can Half Your Investment Returns: 5 Things You Should Do Instead
Do-It-Yourself Mutual Funds Investing for the Little Guy
How Much Should I Invest? Create Precise Monthly Investment Goals
Understanding the Time Value of Money
Sequence Of Returns Risk - Why You Should Care
Is a Roth IRA Better Than a Traditional IRA?
Why So Much Financial Advice is Wrong
The Iron Triangle of Investing: Choose Two…
When is the Best Time to Rebalance Your Portfolio?
7 Penalty-Free Ways to Withdraw Money From Your Retirement Account
6 Reasons You Should NOT Do a Roth Conversion
Do I Need a Financial Planner?
Safe, Consistent Investment Returns
How to Build a Bond Ladder to Create a Cash Flow
28 Investing Tips From Today’s Financial Geniuses
6 Fixed-Income Options for a Low-Yield Environment.
The 10 Things You Need to Know About compound Interest.
The Big Difference Compound Interest Can Make to Small Savings.
Compound Interest for Poor People
Playing the market is a bad idea, especially now
11 Best Ways to Invest $100 or Less - Frugal Rules
How To Start Investing With $1,000
Where To Put Your Money for the Short Term
Fees: THE TRIPLE THREAT TO YOUR INVESTMENT RETURNS
8 Key Points to Confident Investing
7 Ways to Slay Your Fear of the Stock Market
The Best Places for Beginning Investors to Put Savings
Vanguard Funds and the Impact of Fees on Your Investment
Finding affordable financial planning
Interest in private-company investments appears to have grown Should you buy?
Options for Investing Small Amounts
How to Invest in Index Funds - Easy Guide - The Dough Roller
What is Your Biggest Financial Risk?
What do you get when you buy a target-date retirement fund? Bill Ehart looks under the hood at Fidelity, Schwab and Vanguard—and discovers major differences.
If you own a jumble of stocks, bond funds, ETFs and more, you need to figure out whether this adds up to a sensible portfolio. Adam Grossman shows you how—using a seven-step process.
Finding Higher Investment Returns (and Realistic Returns)
This Account Can Help Women Save Their Retirement
The Big Difference Compound Interest Can Make to Small Savings
Investing in Stocks vs. Bonds - Differences to Consider
The Best Investment Apps in 2020 - The Dough Roller
Can You Trust Your Financial Advisor?
5 Investing Lessons That Changed My Life in My 20s
What to Do If I’m Scared The Economy is on the Brink of Collapse?
Investing With Family … the Good, the Bad, the Meh
Should you Get Rid of your Financial Advisor (& Become your Own)?
The Complete Guide to Withdrawing Funds Early From Your 401(k), IRA and Roth IRA
Almost zero: IT’S NEVER BEEN cheaper to build a globally diversified portfolio of index funds.
These are the Highest Investment Fees You Need to Avoid
Beginner’s Guide to Researching Stocks
CD Ladder: What It Is and How to Build One
12 Types of CDs: Which is Best?
Don't invest in things you don't understand
The 7 Mistakes That Investors Keep on Making
What Is an Index Fund and Why Should I Invest in One? - Clark Howard
What Is a CD and Should You Open One? - Clark Howard
6 Types of Investment Fees You Need to Uncover
6 Best Investing Books for Beginners
These Are the Best Investment Options For Busy Moms
8 Basics That Beginning Investors Must Know
How to Invest in the Stock Market With Little Money
6 Ways You Can Begin Investing with Just $100
Of All the Fees You Pay, This Is the Worst
403(b)wise :: The Leading Source of 403(b) Information on ...403bwise.com is the best source for unbiased 403(b) news and information anywhere, and is an essential guide for all participants of 403(b) retirement savings plans.
The 9 Best Short Term Investments for Any Savings Goal
How a summer job could turn you into a millionaire | Clark Howard
A Beginner’s Guide to Investing | DailyWorth
5 Questions to Ask When Picking a Target-Date Fund | Money Talks News
How to Save for Multiple Financial Goals
Stocks Vs. Mutual Funds Vs. Index Funds Vs. ETFs: A Full Comparison
VANGUARD: Get a complete portfolio in one all-in-one fund
Use a less-is-more approach to win at 401(k) investing
Mutual Fund Analyzer | Investor.gov https://www.investor.gov/financial-tools-calculators/financial-tools/mutual-fund-analyzer The Financial Industry Regulatory Authority (FINRA) Fund Analyzer offers information and analysis on over 18,000 mutual funds, exchange traded funds (ETFs) and exchange traded notes (ETNs). This tool estimates the value of the funds and impact of fees and expenses on your investment and also allows you the ability to look up applicable fees and available discounts for funds.
What Is the Savers Credit? - TurboTax Tax Tips & Videos https://turbotax.intuit.com/tax-tips/tax-deductions-and-credits/what-is-the-savers-credit/L3LyopRkK Formerly called the Retirement Savings Contributions Credit, the Savers Credit gives a special tax break to low- and moderate-income taxpayers who are saving for retirement. This credit is in addition to the other tax benefits for saving in a retirement account. If you qualify, a Savers Credit can reduce or even eliminate your tax bill.
How to Get Over Your Fear of Investing
Best Stock Brokers That Offer Free Trades
How and Why to Diversify Your Investments Portfolio - Guide
Annuities: The Good, The Bad & The Ugly
Can You Manage Your Own Investments? YES!
How to Beat 80% of Investors With 1% of the Effort
Silly Things Active Stock Market Investors Say
Passive Index Investing is Boring. And it's Spectacular.
Easy Ways to Invest with Vanguard
Robinhood (An App for Free Stock Trading)
M1 Finance Review--Completely Free Automated Investing!
Roth 401(k) vs. Roth IRA: What Is the Difference?
Investing in Gold: 10 Facts You Need to Know
Rick Ferri from the Boglehead Podcast comes on the show to talk about his story, and how he left Wall St to invest in Index funds. Listen to Escape from Wall Street from ChooseFI on Apple Podcasts. https://podcasts.apple.com/us/podcast/choosefi/id1187770032?i=1000470047552
The Tipping Point - HumbleDollarTip
from Ric Edelman (Financial Planning - Edelman Financial)
"When there is a downturn in the market you need to stop taking money out of your portfolio of your long term investments to cover expenses. You should have 2 years worth of savings and use these savings to cover expenses above and beyond any social security or pension coming in. This is to prevent taking money out when the stock market fell a lot and your portfolio has fallen a lot in value. You dont want to run out or money in this scenario. As significant downturn is when you need to take >= 5% of your portfolio for over a year"
The Big Difference Compound Interest Can Make
Why do investors persist in trying to beat the market?
This Tool Shows How Much Your Nest Egg Loses to Fees | Money Talks News
Learn about about investing in JL Collins’ Stock Series or by reading his book, “The Simple Path to Wealth.” This is great for beginners or for someone like me who likes to keep things simple! Also, check out Bogleheads Investment Philosophy and follow his principles/rules to smart investing.
The investment game that lets you grow your wealth over 20 years. How high will your stax grow?
FINANCES
Why All My Investments Are With Vanguard
Vanguard.com - Vanguard Personal Advisor
Get a customized financial plan to help you reach your goals for less.
Partner with an advisor · Minimize your taxes · Investment Coaching.
At Vanguard-open account you can also go online, open an account under the Personal Investor section and decide if you are opening a regular investment account or a retirement account (Roth, IRA). Fill the online application, set it up, link it to your checking account and fund it. You can add to it automatically or manually moving forward all online. Two good mutual funds from Vanguard to start
investing: Vanguard 500 Index Fund or Vanguard Total Stock Market Index Fund.
The Bogleheads community: Bogleheads are every-day citizens with an interest in investing and personal finance. The members not only discuss their own financial issues, but enthusiastically provide help to others. The Bogleheads Community encompasses the forum, the wiki, two investment books (The Bogleheads' Guide to Investing and The Bogleheads' Guide to Retirement Planning), a presence on Facebook and Twitter, and The John C. Bogle Center for Financial Literacy. Taken together, we're attempting to reach out and provide education, assistance and relevant information to investors of all experience levels in as many ways as possible.
Do You Need a Financial Planner?
Check out your broker, your mutual fund expenses and the latest scam at this securities regulator www.finra.org
To find a full service financial planner go to Napfa ...
Other places that you can go and create an investment portfolio for a small fee:
Free tools to evaluate your portfolio:
1) Personal Capital: Financial Software and Wealth Management (they can also help you with a budget so you can take control of your money now. Will help manage assets and investments, get objective advice and strategiess. Good for those planning financial freedom. They have a spreadsheet for retirement.
2) FutureAdvisor: Online Financial Advisor & Investing Advice
3) Morningstar – Independent Investment Research
DRAFT - Investment Analysis You Can Understand DRAFT uses crowd sourced data to create the ultimate investment benchmark for investors with a long-term strategy.You can compare your Returns, Allocation, and Fees to those of your investment peers—specifically the top 10% (using historical 5 year return) for each category.The DRAFT analysis includes portfolios from your peers as well as some of the largest investment firms in the world.
FeeX, easily reduce your investment fees and retire with more. is a free service that finds and helps you reduce fees in your IRA, 401(k), 403(b), brokerage and other investment-type account
buying and selling municipal bonds. Just type the name of the bond you have.
buying and selling municipal bonds. Just type the name of the bond you have.
www.njaes.rutgers.edu/money/riskquiz
Check out www.finance-weblog.com for financial blog
Go to www.Bankrate.com or www.banx.com and they will show you banks offering high interest rate on savings accounts, certificate of deposit and money market accounts. Online banks can afford to offer higher rates because they don’t have expenses such as branch offices. Also go to individual bank Web sites too as the rates listed there can be better than the ones at secondary sites.
Brokerage services buying guide
Brokerage services and financial institutions like banks may charge you $55 or more to help you purchase short term T-bills, Treasury notes maturing in 2-10years, Treasury Inflation-Protected Securities (TIPS) or 30 year Treasury Bonds. If you go to www.TreasuryDirect.gov they let you buy them in multiples of $1,000 at no charge.
www.sec.gov/investor/pubs.shtml links to the publications section of the Office of Investor Education and Assistance Web site that has several brochures regarding investments such as “Invest Wisely: An Introduction to Mutual Funds and Mutual Fund Fees and Expenses”
Learn about stocks, bonds and mutual funds by taking free investing classes at www.morningstar.com If you pass the test at the end of each course you might earn a Morningstar subscription.
Don’t miss out if your company matches any part of your contributions to a 401K. It’s free money on top of a tax break since what you set aside is not subject to income tax. The boost the match gives your retirement can be astounding.
Online financial calculators are a good way of determine what you need at retirement. The more detailed the online questionnaire the better your estimate will be. Examples of online calculators are at www.fidelity.com, www.troweprice.com, www.dinkytown.net and www.choosetosave.org.
The National Association of Unclaimed Property Administrators is holding billions of unclaimed stocks, dividends, life insurance proceeds, bank accounts and other assets that are unclaimed. To find out if any of these assets are yours got to www.missingmoney.com or www.unclaimed.org . They do not charge any fees for the service.
For tracking investment portfolios and getting advice and compare go to www.morningstar.com .
Join a women’s investment club. Find one through the NAIC Web site, www.betterinvesting.org
6 Types of IRAs Every Woman Needs to Know About
Join a money club which is a support group that pools resources to learn about saving and investing: www.moneyclubs.com
s an online software platform focusing on quantitative, factor based investing tools. Portfolio Visualizer offers a growing set of tools including:
Portfolio analysis tools for asset class allocation and portfolio backtesting
Monte Carlo simulation to test long-term expected portfolio growth and survival
Portfolio optimization and efficient frontier visualization
Asset analysis tools for asset correlations, factor analysis and performance attribution
Tools for testing tactical asset allocation models based on moving averages, momentum, market valuation and volatility targeting
CUSTODIAL ACCOUNTS
CUSTODIAL ACCOUNTS
Use Schwab Intelligent Portfolios™ - Automated Investment ... to set up a custodial account for your child. It will build long term wealth until your child reaches adulthood based on goals you are trying to reach.
The RIC-E TrustThe Retirement InCome — for Everyone Trust® (called the RIC-E Trust® for short, pronounced RICKY) is a way for parents, grandparents and others to help a child they love enjoy a more financially secure retirement. The idea is to let you set aside money that grows without taxes until the child reaches retirement age. The account also grows outside of the donor’s estate.
1st time investor with $1000 or want to open an account for a minor? You can open a Roth IRA account and fund it with the
$3,000. You can do it for yourself or a minor that is working. You can talk to a
$3,000. You can do it for yourself or a minor that is working. You can talk to a
Vanguard retirement specialist if you are the custodian.
HIRING A FINANCIAL ADVISER
HIRING A FINANCIAL ADVISER
If you want to hire an adviser instead of doing it yourself .. it is easy to protect yourself:
1) Go to Federal Communications Commission | The United States of America or finra and put the name of the adviser or the name of their firm and get their history.
2) Get a 2nd opinion or even a 3rd opinion
3) Google the name of the person and the firm they work for to see what comes up
4) Read this article: How to choose an adviser: 18 questions to ask
5) Dont fall for outrageous claims were they promise your massive profits or out of the ordinary gains that no one else is offering
6) Last question and the most important one: Ask them "Are you a fiduciary?" Fiduciary means that he/she is legally obligated to serve his/her client's best interest. Not everybody is required to be or is a fiduciary. And even if they say to you that he considers himself a fiduciary it doesn't mean necessarily that he actually is a fiduciary. Ask an adviser if they are willing to sign a
Fiduciary Pledge: Download the Fiduciary Pledge or give you something similar in writing.
7) Finally.. when you start investing never send or make a check directly to the adviser or its firm. Make sure this advisor has a separate well recognize institution (like Vanguard or Schwab or Fidelity) where there is an account under your name were you send your check. Just make sure that the account in that financial institution is in your name not in the name of the advisor or his firm. And always get a copy of your monthly account statement directly from the institution not from the adviser or its firm.
When should you use a financial advisor? And how much do they cost?
Hiring a Fee-Only Financial Planner? Here's What You Need to Look for First
Q&A: How to avoid hiring a Madoff-like financial advisor
https://garrettplanningnetwork.com
About the Garrett Planning Network. Everyone needs competent, objective financialadvice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments.
https://www.forbes.com/advisor/personal-finance/meet-mark-zoril-the-96-a-year-financial-advisor/
Financial advisor Mark Zoril had his Minnesota-based firm Plan Vision running for two years before he realized he could charge $96 a year for his services. "I simply don't think that there is ...
https://www.xyplanningnetwork.com
Every XY Planning Network advisor offers virtual financial planning services, so you're not limited by location. Find Your Ideal Financial Advisor. Search by location, specialty, or keyword below. No advisors were found for your search criteria. Tip: widen your search radius or search your entire state.
Investment Advice Charles Schwab: We offer personalized guidance, award-winning service and expert perspectives that help investors achieve their goals
Fidelity Investments offers Financial Planning and Advice, Retirement Plans, Wealth Management Services, Trading and Brokerage services, and a wide range of investment products including Mutual Funds, ETFs, Fixed income Bonds and CDs and much more
John C. Bogle Center for Financial Literacy,
Bogleheads® is the title adopted by many of the investing enthusiasts who participate in this site. The term is intended to honor Vanguard founder and investor advocate John Bogle. The Bogleheads® emphasize starting early, living below one's means, regular saving, broad diversification, simplicity ...
Brightscope: is a financial information and technology company that brings transparency to opaque markets. BrightScope data drives better decision-making for individual investors, corporate plan sponsors, asset managers, broker-dealers, and financial advisors.
Become a real estate investor (minus the hassle of buying property): Real estate investing can be a great way to diversify an investment portfolio (a great move right now), generate income and enhance your returns. Whether you’re looking for a hands-on approach (buying physical property) or want passive exposure (via REITs ETFs and stocks), there are easy ways to invest in real estate.
A visual history of U.S. bull and bear markets since 1926
BUYING STOCKS
BUYING STOCKS
I don't recommend individual stocks if you are serious about investing. But if you just want to have fun and experiment using your beer or cigarette money (nothing serious) use Robinhood - Free Stock Trading, were you can buy stocks with no trading costs and no commission
M1 Finance is an alternative to buying stocks by the amount of money and not by the amount of shares
COIN COLLECTORS
COIN COLLECTORS
You might have a coin worth thousands. To find out if you do visit www.pocketchangelottery.com or http://numismedia.com/fmv.shtml
For more coin related resources around:
CoinThrill.com — my almost defunct blog on coin collecting, though still chock full of fun articles and pictures ;) (Still waiting to “trade up” my $50 bill btw for the next item!! If you got anything you’d like to trade for it, lemme know!)
How to Sell Your Inherited Coin Collection — a guide I put together if you must depart with your acquired coins… *tear*
Tips on how to get started collecting if you’re new (article here on this blog)
QUOTE:
"Check out Fundrise, my favorite real estate investing platform. I’ve personally invested $810,000 in private real estate to take advantage of lower valuations and higher cap rates in the Sunbelt. Roughly $160,000 of my annual passive income comes from real estate. And passive income is the key to being free." Financial Samurai
Bogleheads investing principles:
Have a plan.
Invest with consistency.
Never bear too much, or too little, risk.
Diversify.
Never try to time the market.
Use index funds when possible.
Keep costs low.
Minimize taxes.
Invest with simplicity.
Stay the course.
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