Investing

Investing is the activity of forecasting the yield over the life of an asset. Using Benjamin Graham’s definition, "an investment operation is one which, upon thorough analysis, promises safety of principal and an adequate return. Operations not meeting these requirements are speculative."

John Bogle on Fiduciary Duty and Other People's Money

John Bogle calls for regulatory reform to the investment business in a recent speech at the Roxbury Latin School. Bogle calls for federal laws that would demand fiduciary roles for investment managers: "The stock market casino has become a giant—and costly—distraction to the serious business of investing. Greed, recklessness, and self-interest ride in the saddle of today’s capitalism, and it is high time we undertake the necessary reform, with federal laws that demand the return of fiduciary...
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Columnist Calls the End of Personal Finance

Felix Salmon writes a regular personal finance column for Reuters. Salmon, along with Brett Arends who writes the "ROI" personal finance column for the Wall Street Journal, is a writer whose thoughts are interesting and worth following on a regular basis. In a recent piece titled "The End of Personal Finance," Salmon considers what has taken place in the world of investing and personal finance over the past 12 years. Much of the discussion focuses on the futility (and danger) of accepting...
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Start Thinking of Retirement Account as Part of Your "Longevity Planning"

Forbes magazine publishes a relatively new section called "Forbes Woman" that is dedicated to issues affecting professional and executive women. A recent column discusses financial planning and the need to consider longevity risk when constructing a portfolio--particularly in light of recent capital market volatility . Longevity risk is especially relevant to women since their life expectancies are longer than men. In addition, many women find themselves solely responsible for their family...

Am I better off just buying a CD for $100,000 than an annuity? Is FDIC insurance important? Aren't there less fees too?

It really depends on what your overall financial needs are.  It is true that a certificate of deposit or CD is insured and less costly than an

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What are the differences between variable, fixed and immediate annuities?

There are many, many different types of annuities. 

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