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8 votes
1) Please describe your overall advising and investment philosophy. 2) Will you act as a fiduciary at all times as defined by federal law? 3) Will you disclose all compensation clearly - in writing? 4) Will you be receiving third party compensation contingent ...(more)
0 votes
It depends on the carrier...403(b)'s are often annuity based. From a tax perspective, the contributions and rollover guidelines are the same.
4 votes
You can compare it to one of the numerous bond indexes that match the type of bond you are measuring. Check out teh various indexes at morningstar.com
16 votes
Carolyn Taylor Level 15
Your savings will be spread among a number of assets because a Target Date Fund (TDF) invests in a variety of underlying funds, however diversification is not quite that simple. The question is the overall asset allocation and how it will change over ...(more)
6 votes
Index funds are mutual funds which are designed to match the performance of a market index. As an example, a mutual fund may be intended to track the Russell 3000 Index. Such funds are usually passively managed, and as such, tend to capture the increases ...(more)
4 votes
Purchasing the stock of a company provides investors with an ownership interest in a public company. It gives the investor an opportunity to participate in the appreciation and depreciation in the price of the stock over time. Additionally, stockholders ...(more)
18 votes
Ted S. Rich Level 12
The intuitive answer to this question is actually the correct one -- he probably cannot. One of the most important items any client needs to understand fully about any financial product or advice offering is this one -- how EXACTLY does the person offering ...(more)
4 votes
I agree with Ted - well said, Ted!
11 votes
In most cases, my answer would be "no", but as usual that answer comes with some caveats. The following is what I believe is the order in which one should invest their excess cash flow. First, contribute to your 401K plan to the level where any company ...(more)
15 votes
Ted S. Rich Level 12
This is very dependent on the advisor's business model and on the needs of the client, but most of the time the answer to this question is No. The technology age we live in now allows advisors of all types to work very effectively with most clients regardless ...(more)
9 votes
Jean this is an excellent question. The answer is that it depends. Many larger company 401(k) plans offer a menu of solid, low cost options with relatively low administrative costs due to their size and buying power. This is not universal to all large ...(more)
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