What future investment returns should you expect?

John Bogle, founder of The Vanguard Group, said in an interview with Bloomberg Radio last year that he expects stock and bond returns to be significantly lower than they have been throughout his 87-year lifetime.

How to select the right financial adviser

There is a notion that financial advisory services are only for the super-rich or the financially illiterate. That could not be further from the truth.

Even the most successful athletes have coaches. Why? A good coach will help them stay the course during tough times and guide them through logical and reasoned decisions. An ethical and competent financial adviser can bring similar value.

ETNs are not the same as ETFs


Green

Exchange-traded funds (ETFs) have become wildly popular over the past decade or so, with current growth eclipsing that of more traditional mutual funds. Therefore, it is important not to confuse them with similarly named exchange-traded notes (ETNs). They are more different than similar, so it is important to understand both of them before making an investment decision in either.

Here’s a quick primer on ETFs: Like traditional mutual funds, an ETF represents a basket of assets such as stocks or bonds. Unlike a mutual fund, investors cannot buy ETF shares directly from an investment company. Instead, they buy them from other investors, just as with stocks. That has two implications:

What makes the Dow special?


When it’s time for a physical checkup, most people go to a general practitioner. Although an ear, nose and throat specialist would have more expertise in those particular organs, it’s your entire body that you want to evaluate.

Why isn’t it the same with the stock market? If you tune in to any news channel or pick up any newspaper, the one U.S. stock market benchmark you will inevitably find reported is the Dow Jones industrial average. Yet the Dow is not very representative of the market, or even of industrial stocks. So why has this benchmark become so ubiquitous as a stock market performance measure?

Which is better: No advice or bad advice?

By Artie Green

What you need to know about saving for your kid's college

Most of you have flown on commercial flights, so you know that prior to take-off, they warn you about disasters. What do they want you to do if there is a loss of cabin pressure and the oxygen masks drop down? Those of you who answered, “Put your own mask on first before putting them on your kids,” are correct.

Why should you do this seemingly selfish act? It’s simple: You want to be breathing and conscious so that you can help your kids put their masks on.


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