Submitted by Arthur Stein Financial, LLC on December 22nd, 2017
As December 31 approaches, I review my clients’ taxable investment accounts for “tax-loss harvesting” opportunities.
Tax-loss harvesting is an important year-end investment strategy. It refers to selling investments that declined in value, which generates capital losses. Those losses are then used to offset capital gains on client tax returns. That benefits them by reducing the capital gains taxes they pay.
Submitted by Arthur Stein Financial, LLC on December 12th, 2017
Bitcoin -- a “digital currency” or “digital money” -- is receiving a lot of attention. Not surprising since the Bitcoin price increased 1700% this year, from $952 to $17,371 as of December 12. Definitely Impressive.
Submitted by Arthur Stein Financial, LLC on September 8th, 2017
Your home may be at greater risk of flooding than you think. Storms are not the only cause of floods. And global warming increases flood risks from storms because:
-- Flood zones change more rapidly than flood zone maps and global warming may cause flood zones to change even more rapidly in the future.
-- Global warming increases precipitation, making floods more likely, even in areas not shown on flood zone maps.
Yet, you probably don’t have flood insurance.
Submitted by Arthur Stein Financial, LLC on August 18th, 2017
S&P 500 Index funds are one of the most common investments for individual investors. But what are “index funds” and how do they compare to “indexes?”
Submitted by Arthur Stein Financial, LLC on July 29th, 2017
A good way to describe stock and bond market returns during the first six months of 2017 is “placid.” As in low volatility with a gradual upward trend. That is a beautiful combination. But will it last?
Submitted by Arthur Stein Financial, LLC on July 24th, 2017
The
G Fund is often described as the safest of the TSP investment funds. Sometimes it is called the “super safe” G Fund that “never has a bad day.”
As a result, TSP participants keep a higher portion of their TSP balances in the G Fund than any other Fund.
Submitted by Arthur Stein Financial, LLC on July 18th, 2017
A good way to describe TSP Fund returns – and the stock and bond markets -- during the first six months of 2017 is “placid.” As in low volatility with a gradual upward trend.
The other news is that I Fund (stocks of non-US companies) finally rewarded investors with double-digit returns.
Submitted by Arthur Stein Financial, LLC on May 26th, 2017
Mike Causey interviewed me Wednesday on the Thrift Savings Plan (TSP, the 401k for Federal employees and retirees). You can listen to the podcast by clicking here.
Submitted by Arthur Stein Financial, LLC on May 23rd, 2017
Worried about running out of money during retirement? Well, that's a legitimate concern. But "running out of money" isn't a very exact term.
Most retirees will never run out of income. They will always have “permanent income” from Social Security (and maybe a pension). What retirees need to worry about is running out of investments and investment income.
Submitted by Arthur Stein Financial, LLC on May 23rd, 2017
President Trump’s budget proposal, submitted to Congress today, would reduce pay and retirement benefits for Federal employees and retirees. The two biggest reductions result from increasing employees’ FERS contributions and eliminating the Cost of Living Adjustment (COLA) for the FERS annuity (pension).
