Are individual bonds better than mutual funds when rates rise?

With the U.S. Federal Reserve poised to start raising interest rates more aggressively this year, many people – including some investment advisers – have expressed concerns about investing in fixed-income mutual funds.

For those unfamiliar with bonds, the dilemma is that when rates rise, bond prices fall, and vice versa. The fear is that bond funds, which hold numerous bonds, risk losing value whenever the Fed increases rates.

Writing a love letter to clinch the house deal

It’s Valentine’s Day, so don’t forget to write a love note to your spouse, your children, your significant other – and the owner of the house you’ve fallen in love with.

Playing hard to get isn’t going to work in the current housing market. Potential buyers are pulling out all the creative stops to make an impression and win over the hearts of sellers, and I’m here to tell you that it works.

Saving money in the new year

As the adage goes, it is never too early or too late to save.

While the Bay Area may seem to be the cradle of riches and instant millionaires and billionaires, the country in general has a savings problem. Recent statistics indicate that 50 percent of the baby-boomer population has saved less than $100,000 for retirement, and 37 percent less than $50,000.

Would you invest in the Republican Party?

You might be forgiven for thinking that this article is about politics. It’s not. It’s about investing. And it’s generally not a good idea to mix the two.

Late last year Point Bridge Capital LLC in Fort Worth, Texas, filed for the creation of a new exchange-traded fund (ETF) focused on those companies whose employees have contributed the most to Republican candidates or to political action committees. They plan to use the ticker symbol MAGA, which stands for “Make America Great Again.”

Reviewing the four biggest Bitcoin myths

When the value of an investment suddenly soars or collapses, it tends to get a lot of media coverage. In 2017, that investment was Bitcoin.

This highly publicized cryptocurrency started 2017 priced at $978 and, as of early December, reached a value of more than $17,000. That’s a return of more than 1,600 percent in less than a year. No wonder everybody is talking about it. But should you invest in it?

How to worry less about your investments

I don’t suppose that worrying is ever a good idea. If there’s something in your life you are concerned about, and you have the ability to change it, then you can and should do so. If you have no control over it, worrying about it won’t improve anything and might even negatively impact your health.

Nowhere is this more relevant than with your invested savings. Many of the people who come to me for advice start by telling me how worried they are about their investments. If you’re one of those people, I may have a simple solution to help you alleviate all of that stress.

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