January 6, 2015
A new year is dawning. Why not make 2015 the year you get ahead, financially and personally? While many Americans remain stuck in a pessimistic rut carved out by the Great Recession, others are taking a more positive approach: abandoning old, unhealthy habits and cultivating new disciplines that allow a person to seize the ample opportunities in today's post-crisis economy. As your financial advisor, my wish for you this holiday season is that you'll achieve success—as well as satisfaction—in the year ahead by ringing out the old and ringing in the new. In that spirit, here are five New Year's resolutions I've drawn up for investors seeking greater prosperity in 2015. More »
November 5, 2014
It's that time of year again. The clock is ticking down on 2014, and on December 31 at midnight, your last opportunity to save on this year's tax bill will expire. Don't be discouraged, though. There's still plenty of time to act. Here are five easy strategies you can put to work right now, with the potential to shave off hundreds or even thousands of dollars in taxes before the band strikes up Auld Lang Syne on New Year's Eve.More »
July 15, 2014
For the past five years, Wall Streeters have been speculating—eagerly, but mostly in vain—that interest rates were about to rise. However, the federal funds rate (the rate banks charge each other for short-term loans) has remained stuck at zero to 0.25%.
Still, it's a pretty sure bet that at some point, the Federal Reserve will snug up its ultra-easy monetary policy—and interest rates will pop. Let's take an educated guess at when that moment might arrive, together with the likely consequences for your bonds and other interest-sensitive investments.More »
Thu, 26 Mar 2015 18:10:58 ET
Civil war in Yemen! Undoubtedly, the world would be a better place if the price of oil (WTI) had jumped $2.22 a barrel today -- to $51.43, basis the May futures -- for other reasons. For beleaguered energy investors, though, Saudi Arabia's intervention in the Yemeni conflict does yield a side benefit, however unintended. More »
Mon, 23 Mar 2015 19:28:20 ET
'Why so many changes?' asks a friend. It seems we've been shuffling quite a few pieces in our model portfolio of late. But there's a method to it all. More »
Thu, 19 Mar 2015 16:21:07 ET
The Federal Reserve has spoken. Sort of. As I predicted in Tuesday's blog, the nation's central bank, in its policy statement released Wednesday afternoon, dropped any reference to being 'patient' before raising interest rates. More »
Here comes Janet Yellen with her tiny tap hammer! After more than six years of fastening interest rates to the floor (near zero on short-term money), the Federal Reserve is about to start prying the tacks up. Slowly. Gently. For many kinds of stocks and some bonds, that's great news. But not for all.
In this month's visit, I'll help you get a handle on who the winners and losers are likely to be. Hint: If you want to beat rising rates, even slowly rising ones, you need investments that can produce a more and more bountiful cash flow, year after year. Later, we'll revisit a favorite theme of mine over the years: so-called "balanced" or all-weather mutual funds. One of my early picks in this space has rocketed nearly 750%. (It's still a buy.) First, though, let's find out why, after all the hemming and hawing is done, the Fed really will get around to boosting interest rates later this year—and what you can do to build wealth in a stress-free manner as we transition to the new era just ahead. More »
I am trying to buy or research a stock you discussed, but the ticker symbol you mentioned in Profitable Investing doesn't work. How can I find the right ticker symbol?
Unlike the common stocks and mutual funds most investors are used to, certain investments, including preferred stocks and international stocks, may have a welter of different ticker symbols depending on what quote lookup or brokerage service you look for them on. More »
Richard E. Band is the newsletter world's #1 authority on investing for low-risk growth. His flagship Total Return Portfolio has grown nearly sixfold since its inception in 1990, while taking far less risk than the popular stock market index funds. More »
I've been following Richard's advice for something like ten years now, after trying and discarding a number of other newsletters. I'm using many of his Incredible Dividend and other portfolio ideas and retired last year at age 59 1/2. We are so comfortable with our investment income, I wish I had retired several years earlier, since the income stream did well even during the last big downturn. Thank you, Richard! Note: I have also turned on some younger family members to your newsletter and fully expect the advice to help secure their futures as well!
–R.F., Hayward, CA