Too Many Accounts?

October 18, 2017

You’ve probably put a lot of effort into planning for retirement, and you’ve taken advantage of the many different ways to save for it.

When we’ve talked with investors in our retirement consultations, we found that they often had 401(k)s, contributory IRAs, rollover IRAs, Roth IRAs, inherited IRAs as well as assorted taxable accounts that they planned to use for retirement. That’s a lot to keep track of.

Most saw this as a minor inconvenience, but it can be a real challenge. When clients hire us to manage their money, one of the first things we do, when it is in the client’s best interest, is look for ways to consolidate their accounts or at least move their accounts to one broker.

Here are four advantages of having fewer accounts:

1. Easier to manage your investments

When it’s easier to manage your money, you’re more likely to do it. You’ll readily see how your accounts are allocated, and if there are any changes to be made it will be simpler to take action.

2. Save money on trading costs

Fewer accounts could save you money. It could be cheaper to change your portfolios since you won’t have to pay multiple fees to purchase the same fund across accounts.

3. Less paperwork could help you avoid mistakes

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Invest in Your Comfort Zone

August 30, 2017

Have you ever wondered if there was a better way to evaluate risk?

Risk is one of the most important aspects of successful long-term investing, and it can be challenging to get it right.

You’ve probably taken too much risk at some point.

Some investors assume that they have to take substantial risks in order to build wealth, so they’ll try to gain too much from a single investment or make big bets on a few individual stocks. These investors can end up out of the market entirely after a sharp sell-off, however, and they typically buy back in at higher prices.

You may also know what it feels like to take too little risk and miss out on strong gains. If you steered clear of stocks after the 2007-2009 bear market, you forfeited years of terrific returns.

You may need to take some risk if you hope to maintain your quality of life in retirement and also leave something for your children, but how much risk is ‘right’ for you?

A true assessment of risk should answer these three essential questions:

1. How much risk can you tolerate?

2. How much risk do you need to take in order to reach your goals?

3. Are you invested in a way that’s consistent with your risk tolerance and your goals?

For years, investors have answered these questions generally: they think of themselves as conservative investors, so they invest primarily in bonds, for instance. They may not recognize that their bond portfolio may pose significant risks, including the risk that they may not generate enough of a return to meet their investment goals.

Get A More Detailed Analysis of Risk

Today, there’s new technology and decades of data that can give you a more detailed analysis of risk and help you come up with more accurate answers to these important questions.

These tools have helped investors reassess their true tolerance for risk and learn how they can change their portfolios to be more consistent with their risks and goals.

How to Find Your Comfort Zone

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Know Your Investor Rights (Video)

August 22, 2017

Did you know that when you invest in a company, you get the right to vote at company meetings and influence company policy? You don’t have to be a big investor with millions to invest to have a say. You just need to have at least $2,000 invested in a company’s stock in order to […]

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The Biggest Myth of Sustainable Investing (video)

August 15, 2017

When it comes to sustainable investing, many people mistakenly believe that it doesn’t perform well. This is perhaps the biggest myth about sustainable investing, and it’s been repeatedly debunked. Get the facts in FundX President Janet Brown’s new video. You’ll see how sustainable investing has actually performed. And you’ll see why today so many people […]

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What to do about Interest Rates

July 26, 2017

What’s going to happen with interest rates? Rates have been rising this year. The Federal Open Market Committee (FOMC), the Federal Reserve committee that makes key decisions about interest rates, has bumped up rates three times since December 2016. Investors should expect rates to continue to move higher, FundX Chief Investment Officer Jason Browne told […]

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Your Shareholder Rights are at Risk

July 19, 2017

Have you ever felt like you could help a company do better? You’ve probably thought of ways that a company could improve a product or service, or maybe you’ve got an idea of how a company could more efficiently use its resources. But you likely felt powerless to really do anything about it. Investors have […]

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FundX President Janet Brown’s take on 5 Funds & ETFs

July 11, 2017

With interest rates rising, which bond funds are worth owning now and which bond funds should you avoid? And when it comes to stock funds, is this a good time to own commodity funds or large-cap growth funds? These are some of the questions FundX President Janet Brown answered from investors across the country in […]

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Four Foreign Investing Tips

June 13, 2017

Foreign markets have been one of the best performing areas in 2017. Could this be the start of a new trend? Some respected market analysts believe that after eight years of a strong U.S. trend, markets are finally shifting away from the U.S. and toward overseas markets. But remember that even experts can’t always predict […]

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How to Use Foreign Funds

June 9, 2017

How should you use foreign funds? This is a question just about every investor should consider because there are years when foreign markets have had terrific returns, far outpacing U.S. stock funds. When it comes to foreign investing, you have three choices:   1. Avoid foreign investments altogether  It’s natural for investors to have a […]

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