Harmoney Advantage Partner Network

Evaluating Risk in Your Portfolio

If you're like most people, you probably evaluate your portfolio in terms of the return it earns. However, as we were all reminded in 2008, returns aren't the only factor you should consider when determining whether your portfolio is allocated appropriately. Also important is the level of risk you take in pursuing those returns.

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Key Economic Indicators and What They Mean

Late last year, members of the Federal Reserve Board's Open Markets Committee (FOMC) outlined some of the indicators they're watching to help determine when the economy might be stable enough to handle higher interest rates. Here's a primer on some of those indicators and why they're important.

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A Mid-Year Financial Review: More Time to Plan

Mid-year is an ideal time to take a look at your finances, because the demands on your time may be fewer, and the planning opportunities greater, than if you wait until the end of the year. Here are a few tips to get you started.

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Tax savings key benefit of IRAS

Two weeks ago, I explained the need to file our income tax return for 2007 before we can receive the government's economic stimulus rebates. Last week, I discussed how few Americans eligible to contribute to an individual retirement account do so.

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What is the tax impact on my investment returns?

Net profits on your share of your mutual funds' stock sales are taxable to you as capital gains. Unless you are in a tax-deferred retirement account, the taxes will eat into your profits. Here's a suggestion: invest in funds that have low turnover. Your portfolio, overall, should have a turnover of 10% or less per year.

What should I invest my IRA in?

Since IRAs are generally long-term investments, equity investments are generally appropriate for a portion of the account. If you have a low risk tolerance, a better choice might be a short-term fixed income investment. Many people have their IRAs invested in CDs. Municipal bonds should never be used within an IRA because you will sacrifice return and may convert otherwise tax-free income to taxable income when you withdraw the funds.

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