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Great Ways to Give Investments to Kids

Great Ways to Give Investments to Kids

There are a growing number of investment options that make it simple and cost effective to give financial gifts to kids. Quite a few of these options are aimed at tech-savvy investors. 

 

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Featured

Why International Stocks

Why International Stocks

Take full advantage of the diversification and return of foreign stocks.  

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Client Letter December 2015

Client Letter December 2015

Employment Data, the Truth behind the Headlines
Terror attacks and the Market 

November ended with slight declines for the month in target risk portfolios, but with healthy gains for the latest three month period, marking a recovery from the late summer and early fall correction.  

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Retirement Readiness: you've got to measure it to manage it

Retirement Readiness: you've got to measure it to manage it

At TWM we’re taking both a top down and a bottom up approach to the problem of retirement readiness. Our hope is that these combined approaches result in progress on the original mandate of 401(k) plans, and the ultimate goal of any retirement plan: retirement readiness through income replacement.

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PowerShares QQQ ETF

PowerShares QQQ ETF

PowerShares (QQQ) is one of the largest and most actively traded ETF’s in the United States. The main objective of the fund is to track the 100 largest, nonfinancial stocks in the cap-weighted Nasdaq-100 index. This being said, QQQ has a strong presence in the technology (55.02%) , consumer discretionary (19.5%) and biotech (15%) sectors, offering a level of diversification that is desired and essential in many portfolios. Take a look in closer detail to the fundamentals of the ETF by clicking here!    

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Online Enrollment in an instant

Online Enrollment in an instant

Have you enrolled in your 401(k) plan? 

...
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Retirement Savings -- Just 1% more can make a big difference

Retirement Savings -- Just 1% more can make a big difference

Increasing your savings by just 1% more now could mean living the retirement you want.

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How much should I be saving?

How much should I be saving?

Beginning with the first paycheck you received, you’ve likely been hearing a consistent message from family, friends and employers encouraging you to save for retirement.  While this is certainly invaluable guidance, it’s not clear to most how much should be saved to reach a goal of financial independence.  Are you on track for a successful retirement? 

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Investment Update November 2015

Investment Update November 2015

Shaken Not Stirred

James Bond usually gets roughed up pretty good as he goes about his missions, but invariably comes out golden in the end. And like 007’s infamous martini, global stocks markets were shaken in August and September, only to recover vigorously in October as the S&P had its best month since 2011 with an 8.4% return. 

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Kids Need Financial Role Models

Kids Need Financial Role Models

By Michelle Singletary, Washington Post

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Client Letter November 2015: Shaken Not Stirred

Client Letter November 2015: Shaken Not Stirred

James Bond usually gets roughed up pretty good as he goes about his missions, but invariably comes out golden in the end. And like 007’s infamous martini, global stocks markets were shaken in August and September, only to recover vigorously in October as the S&P had its best month since 2011 with an 8.4% return.

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Nice Job Mr Gentile

Nice Job Mr Gentile

TWM News

Nice job, Mr. Gentile. Congrats to TWM’s Jordan Gentile who just passed his Series 65, the Uniform Investment Adviser Examination! His business card now reads Assistant Financial Adviser and, among his many duties, he will be serving as client account manager for our Legacy and Growth accounts.

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DFA Commodity Strategy Fund

DFA Commodity Strategy Fund

The DFA Commodity Strategy Institutional fund’s objective is to gain exposure to the broad commodity market, by investing in both domestic and international intermediate term, fixed income securities.

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Embracing the Winners .... and the Losers

Embracing the Winners  .... and the Losers

Commodities and Emerging Markets have performed poorly in the last few years. Should you sell low?

While it would be fun to hold a Portfolio in which all of the asset classes were going up at the same time, it would be a nightmare if they were all moving down at once.

To protect against epic losses, investors seek uncorrelated returns — asset classes that behave dissimilarly so that a portfolio’s ingredients don’t all move in the same direction at the same time.

But diversified portfolios should be built with the knowledge that including uncorrelated assets means always having to endure pain in part of the portfolio. That part will be going down or remaining flat, since it tends to move differently from the uncorrelated part that is going up.

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1721 Hits

Embracing the Winners .... and the Losers

Embracing the Winners  .... and the Losers

Commodities and Emerging Markets have performed poorly in the last few years. Should you sell low?

While it would be fun to hold a Portfolio in which all of the asset classes were going up at the same time, it would be a nightmare if they were all moving down at once.

To protect against epic losses, investors seek uncorrelated returns — asset classes that behave dissimilarly so that a portfolio’s ingredients don’t all move in the same direction at the same time.

But diversified portfolios should be built with the knowledge that including uncorrelated assets means always having to endure pain in part of the portfolio. That part will be going down or remaining flat, since it tends to move differently from the uncorrelated part that is going up.

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Investment Update October 2015

Investment Update October 2015

Several years of unusual calm in equity markets gave way to a succession of sharp swings in the last quarter as investors reacted to a plethora of concerns. The net result was the worst quarter in four years with the Vanguard Total Stock Index tumbling 7.3%, and the Vanguard Total International Index losing 11.6%.

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1039 Hits

Confronting America's Retirement-Savings Crisis

Confronting America's Retirement-Savings Crisis

Understanding investor behavior is key to reining in the problem, according to investment expert Charles Ellis, who is someone we have a tremendous amount of respect for. Much of what he says will resonate with you as we focus on participant success measures in your plans.

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Navigating Risk

Navigating Risk

When you weigh risk, you are attempting to predict future outcomes without knowing whether the results you expect will actually occur. With recent market volatility stemming from a myriad of issues, it may sometimes seem impossible to accurately foresee which risks will have the most impact. More than ever before, it is important to understand the nature of risk, how it affects you and your money, and what you can do to manage it.

By rethinking risk, you can set yourself up at the top of the food chain to beat the sharks at their own game and capture your share of investment returns.

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Rebalancing: Why and How

 

Portfolio rebalancing is like a tune-up for your car: it allows individuals to keep their risk level in check and minimize risk.

 

It also helps you to take advantage of differences in performance among investments in a diversified account by buying low and selling high. This article explains why rebalancing is important. For those participants not invested in a Target Risk Model Portfolio, it explains how to set up automatic rebalancing for your account at Ascensus.

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Client Letter October 2015

Client Letter October 2015

Staying Put and Avoiding the Market's Sentimental Journey

When the market "corrects," what's being corrected?
The sharp decline in bullish attitudes amond investors is a very healthy development that increases the likely longevity of the current bull market.

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