Answers in Portfolio Management

Portfolio Management is a form of investment management where a person or group of people takes control of money given to them by investors who trust the managers to implement a strategy to help them achieve their investment goals.
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Lonnie D Mclane Level 1
Although this information is correct, you should consult with an advisor to discuss you complete set of options, and if conversion of your spouses account should be maintained seperate and explore your most appropriate action. In addition, discussion ...(more)
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Jean Fullerton Level 1
If you were listed at the sole primary beneficiary on your husband's IRA account you should be able to contact your adviser and/or account custodian and have them send you the forms to rollover his account into yours. If you are over 70.5 note that you ...(more)
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Besides the previous comments, there is an assumption made that the two securities' returns are highly correlated with each other. If they are not, it is not statistically correct to depend on beta as a risk measure.
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I personally use Pensco Trust Company. They have great service and wide range of features.
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Too few in my opinion. ETFs are a great low cost alternative to mutual funds.. 401k Plan Advisors have been slow to recognize this reality. I would have expected ETFs to have become a bigger part of 401k investing by now just as it has become big part ...(more)
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Sara, unfortunately there are no guarantees in life or in the world of investing. In the current low interest rate environment and with the stock market having gone up so far so fast, a return of that size over the near and intermediate term will certainly ...(more)
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If you are not getting statements, try contacting whoever it was who helped you set up the account, or the business you worked for when setting up the account.
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Your employer will (or should) have the contact information for the company handling your 401k account. Once you get in touch with the plan provider, they will be able to describe the process of gaining online access to their investor portal; assuming ...(more)
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Sara, I would tend to agree with many of the comments already posted. A properly allocated and diversified portfolio can put you in a good position to earn annualized returns of 7% or more, however, there is risk involved and there would be no guarantee. ...(more)
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Randy Brunson Level 18
Good question Sara, A 7% return isn't unreasonable to expect, over an appropriate measuring period. I'm a bit concerned that you are looking to "ensure" this each year. As Prateek references above, a 7% return is possible, though there will be some ...(more)
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Rich Winer Level 20
Sara, It's not unreasonable to expect a 7% average annual return from a diversified portfolio of stocks and bonds over a full market cycle; but there is no guarantee. Also, as Prateek implied, since we have not had a severe bear market since 2008, when ...(more)
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The only way to ensure a minimum 7% return is by investing in Investment Grade Bonds that are paying 7% in interest. Unfortunately, in today's low yield world, it is an anomaly. You have to be willing to accept credit risk to have a chance at earning ...(more)
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A.J. Blackstone Level 14
As long as you have "ensure" and "invest" in the same thought, you aren't ready to invest.
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Very few plans offer ETFs because it's slightly more difficult to track a target asset allocation when dealing with shares (like an ETF) rather than partial shares (like a mutual fund). Also, intraday trading causes ETFs to be subject to greater order ...(more)
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Use a website like https://www.feex.com/nerdwallet/should-i-rollover-my-401k/. Your statement may not include all of the outside fees or the mutual fund expense ratios.
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Chris Schiffer Level 14
Wayne, Typically it takes a week to 10 days to process and make its way through the mail. Do you have a rollover account set up to deposit the funds? You have 60 days to another qualified retirement plan or traditional IRA. This transaction is not taxable ...(more)
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Your statements are the best place to start, be it monthly, quarterly, or annually. In a 401(k), You will probably see some sort of administrative (plan) fee, and then you'll have to look at the expense ratio of each fund (listed in your plan materials ...(more)
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I wish this was an easy process, but unfortunately the rules that were supposed to make it easy to figure out what you get charged for fees are getting buried in places that make it hard to find. What you want to do is ask your benefits or human resources ...(more)
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Most likely you are not paying an direct fees on your 401k or IRA account, however, you are definitely paying fees on the funds within the account. You can find out the fund fees either by looking at the funds prospectus or going to www.morningstar.com ...(more)
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Look at the right side of your account when you log into your 401k, then click on one of your investment vehicles it should show you something like this 0.85 or 1.25 if so that is what you are being charged for that piece, don't worry every one has to ...(more)
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Please have a personalized analysis done by a professional to determine the answer to your question. Bottom line... it depends on the stock options and the stocks you own. Examples - If an option is not yet in the money, you may want to wait and not ...(more)
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This is a great question! I wrote a pretty extensive article on this subject a couple years ago that outline all the advantages and disadvantages of each. Hope it's helpful: http://olesenwm.com/2011/12/rsus-or-options-which-should-employees-choose/
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Danna Jacobs Level 1
In addition to the above points, there may be significant tax implications to selling the stock options. Have an advisor or accountant review this closely so you understand all of the downstream effects of this decision.
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John Essigman Level 17
Hmmmm.... If you need fast cash then I would suggest a separate cash account or emergency reserves. Frankly, stocks or options are generally a poor choice if you need liquidity. Regards John Essigman www.bluecreek.net
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Hi, I would additionally ask whether the stock options pertain to a stock that is lightly traded and therefore subject to volatility or the risk of illiquidity. Or are the options for a high quality blue chip stock?
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Hi David, I have a few questions before I can offer advice. Where these stock options incentive stock options (ISO) or non-qualified stock options (NSO)? Or Restricted Stock Units (RSU) that were granted to you? If so, long since they were granted and ...(more)
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This video may help answer your question as to diversification. For specific recommendations ask your Financial Pro https://www.youtube.com/watch?v=2Rbe16o0r04
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Just remember as Carolyn said not all active managers are created equal. An investor should always understand the risks involved with either strategy. A good Financial Services pro can help you pick the best of the best, you can also use tools like Morningstar ...(more)
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The premise of active management is an underlying belief by the fund manager that value (i.e. increased performance, decreased risk, etc.) can be added through his/her investment process to the management of a mutual fund, versus just a passive stance ...(more)
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"If my investment advisor is diligent, can he not take risks while being alert in frequent buying and selling at the best price?" That's what a trader attempts to do. It's different than what an investment manager should do for most clients, including ...(more)
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