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7 Investing Moves You Need to Make by December 31

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Whenever things are going really well — as is the case right now on Wall Street and probably in your retirement portfolio — it's only natural to want to leave things be. Why try to fix what's not broken? But even the most patient buy-and-hold investors understand that you must revisit your strategy from time to time to make sure things are unfolding as you originally envisioned. The end of the year, when your thoughts are naturally focused on family, the coming year, and to-do lists, is a perfect time to do just that. To make this process easier, MONEY has put together a checklist of seven important steps to take now before the year ends to set your investment portfolio up for 2018 and beyond.
1. Remember to give yourself a raise.
Chances are, you got a slight bump in pay this year—perhaps a modest cost-of-living adjustment or a merit raise. Average pay for American workers rose a little over 2% over the past 12 months.
If you can, boost your 401(k) savings rate by that amount…

3 costs that can destroy retirement

Retirement security is a holy grail that many investors chase. A recent AARP survey revealed that 74 percent of private sector workers are anxious about having enough money to live comfortably in retirement.
Although increasing savings may seem like the answer, creating a sustainable retirement strategy is a bit more complex. Investors must also plan for costs that can detract from their portfolio's growth. "Taxes, long-term care and inflation all have the potential to eat away at your retirement savings," says Marcy Keckler, vice president of financial advice strategy at Ameriprise Financial in the greater Minneapolis-St. Paul area. "Not planning properly could result in a substantial blow to your portfolio from a sudden need for extended care, or inflation could slowly chip away at your nest egg."
Health care may be the biggest threat. Long-term care poses two problems for retirees. First, the cost can be staggering. Genworth Financial puts the average annual…

Why You Should Always Keep Investing Simple

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A friend recently asked if I would invest $10,000 for him. I shrugged it off but he proceeded to tell me that he needed to make a quick buck to pay for some medical expenses he was about to incur...
Many people view the stock market as a "get rich quick scheme" -- you just need to know how to play the game.
This wasn't the first time I've been asked by someone to invest their money to make some fast cash. I know it won't be the last, either.
In these sorts of situations, I try to tamper their expectations by letting them know that it's really not that simple (or easy). I tell them that even if I were to generate a "quick" 10% annual return on their investment, it doesn't really add up to much in the short term. After all, a 10% return on $10,000 is only $1,000... And that's over the course of 12 months. It's most definitely not going to be enough to cover any major medical bills.
Unfortunately, stories like this are common. The thinking …

Top 6 Things No One Tells You about Retiring

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To make your retirement years truly golden, understand what may be coming your way.
Many of us look forward to retirement as the reward for a lifetime of hard work. While the post-work years can truly be golden for those who plan for them, many retirees are caught off guard by the facts of their new life. Here are six things you should know about before you leave the working world for good.
1. Required minimum distributions can seriously raise your costs
Once you reach age 70 1/2, you're typically required to take money out of your traditional IRA and your traditional 401(k) plan each year. While those distributions start relatively small, they increase as a percentage of your account balance each year after that until you reach age 115. 
Withdrawals from these account types are treated as taxable income, which means you'll owe income tax on the amount distributed. This increase in your taxable income may expose your Social Security benefits to taxation as well. As if that wer…

3 Ways to Have a Happy Retirement, According to People Who've Already Retired

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“Happiness,” it’s been said, “is like a butterfly. The more you chase it, the more it will evade you.” In other words, by actively pursuing a happy state, you reduce your chances of achieving it.
That may be true from a philosophical standpoint, but when it comes to retirement planning, new research suggests there may in fact be specific steps you can take to enjoy a more rewarding post-career life.
Researchers from The American College, Eastern New Mexico University, and Texas Tech looked at financial, lifestyle and other data on 1,526 retirees to see what makes for a more satisfying retirement.
When it comes to having a more enjoyable retirement, the experiences of older Americans shows that there are three main ways you may be able to tilt the odds in your favor.
1. Spend more money on having fun.
When the researchers examined how retirees spend their money — on everything from cars and housing-related items to food and insurance — they found that spending in only one category tend…

Brokerage of Irwin Consulting Solutions in Singapore and Tokyo, Japan

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“Working with Clients to Maximize”
We Work for our Partner’s Benefit
1. Irwin Consulting provides an assorted and coordinated portfolio of creative, client-centered brokerage products and services by building upon Global's powerful regional presence, as well as its market-pioneering and value-enhanced research expertise. Irwin Consulting can deliver to its clients the proper tools and know-how they need to reach their financial goals.
2. Irwin Consulting encompasses the primary asset markets spanning many countries worldwide. Irwin Consulting delivers a wide-ranging service package, with an unrelenting commitment to provide first-class client service. We aim to assist clients attain their financial goals through our award-winning investigation and disciplined professional advices on listed and non-listed securities.

Irwin Consulting Management in Singapore and Tokyo, Japan’s Management

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“Expert Advice on Complex Securities Issues”
Asset Management & Planning
The asset management know-how of Irwin Consulting has been developed over many years. Our financial methods combine convention and creativity. Refined strategies with a long-term perspective and a traditional slant focus on stability and order. Most of all, we aim to satisfy the needs of our clients.
Our approach is definitely unlike most asset management companies, who seem to use rather sluggish “portfolio theory” asset diversification methods mixed with fairly dynamic stock-picking strategies founded on “bottom-up” elementary investigation and/or technical study.
Our clients, we believe, deserve a better deal by providing them with an overall, holistic method intended to keep them completely invested in a semi-passive, finely-assorted portfolio of ETFs, taking protective steps to safeguard asset only during comparatively rare times of major downside fluctuations (bear markets).
Irwin Consulting issue stock-p…