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Understanding Diversification with the Callan Periodic Table of Investment Returns

“The Periodic Table of Investment Returns depicts annual returns for 10 asset classes, ranked from best to worst performance for each calendar year.”https://www.callan.com/periodic-table/Click on: Download the PDF. I like this visual presentation of how asset categories fluctuate from yielding the highest returns one year to the lowest (or much lower) in subsequent years. The table…

Why save when interest rates are so low?

“What’s the point in saving your hard-earned dollars if you don’t know what it’s for?” asks Ross Menke. “By visualizing that future experience, you’ll feel in real time what lies ahead.”Jonathan Clements explains:“To get started with visualization, write down your goals in great detail. Once your specific goals are established, write down how achieving those goals will make…

Individual Retirement Account Update

The amount you can invest in an IRA is increased for 2019. You can still contribute for 2018 before you file your income tax return.  Quoted from the IRS website: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits For 2019, your total contributions to all of your traditional and Roth IRAs cannot be more than: $6,000 ($7,000 if you’re age 50 or…