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financial planner

401(k) Vesting: What It Is and Why It Matters
www.thesimpledollar.com

You’ve almost certainly heard that if you’re saving for retirement, taking full advantage of your 401(k) employer match should be your first step. That match represents an immediate 50% to 100% return on investment, which is better than anything you’ll find anywhere else. It’s the standard advice because it’s good advice. Making sure you’re getting the […]

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The Pros and Cons of Investing With Robo Advisors
www.thesimpledollar.com

The last few decades have been very good for individual investors. Vanguard introduced the first publicly available index fund in 1976, and since then index mutual funds and ETFs have exploded in availability. Given what we know about investing – namely that minimizing fees and using index funds both increase your odds of success – […]

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I’d Rather Be ‘Average’ Than Broke
www.thesimpledollar.com

When you read up on investing, it’s easy to get the sense that there’s one way to invest for “average” people, and another way to invest if you really know what you’re doing. You know what I’m talking about. You’ll hear people say things like, “Index investing is great for the average investor,” or, “If […]

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Questions About Financial Coaching, Letterboxing, Bag Dumps, and More!
www.thesimpledollar.com

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Certifications and financial coaching 2. Selling valuable items through mail 3. Starting college advice 4. Thinking of quitting my job 5. Restaurant bloat […]

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Six Times You Should Hire a Financial Planner (and Three Times You Shouldn’t)
www.thesimpledollar.com

Financial planners get a bad rap, and to a large extent that’s deserved. Far too many “planners” are really just salesmen in disguise, tasked with leading their clients into high-cost products sold by the companies they work for. But there are good financial planners out there if you know where to look, and in the right […]

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What a Good Financial Planner Does (and Doesn’t Do)
www.thesimpledollar.com

When just about anyone can call themselves a financial planner, it’s understandably hard for consumers to know whom to trust for financial advice. See, unlike doctors and lawyers who have to meet certain standards in order to hold themselves out as certified professionals, there are virtually no requirements you have to meet in order to […]

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Everything You Need to Know About Expense Ratios
www.thesimpledollar.com

If you want better investment returns, one of the smartest things you can do is find lower-cost investments. Not only are smaller fees a good predictor of future returns (the smaller the better), but cost is one of the few investment variables that’s directly within your control. You can’t control the markets, but you can […]

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