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June 18, 2018

Why Do You Want Money?

By MrMoneySmartly @ Money Smartly Happiness  0 Comments
Why do you want money?!  To most people that sounds like a pretty silly question: we want money to buy things! The truth is people want money for different reasons and for different times of their lives.  Some want to save for a wedding, buy a house, get a degree, save for children, go on
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March 17, 2018

Should You Invest in Bonds or Pay Down Debt?

By MrMoneySmartly @ Money Smartly Bonds, Debt  0 Comments
Carrying debt while investing is known as “leverage.”  Leverage can increase your net worth if you’re investing borrowed money at a higher return than the interest rate you pay to borrow the funds.  However, high return assets such as stocks come with high volatility.  Rather than using bonds to decrease your risk exposure, consider paying down debt.
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March 12, 2018

How To Prevent Volatility From Ruining Your Target Retirement Date

By MrMoneySmartly @ Money Smartly Bonds, Retirement  0 Comments
You invest for the long-term.  Long-term, stocks outperform bonds.  Why do you care about short-term volatility?  Shouldn’t you invest 100% in stocks and wait out any market underperformance?  Yes, and no.  It depends on how much you need to protect it from “retirement date risk” and “sequence of returns risk.”
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February 27, 2018

401(k), 403(b), 457, TSP: What’s the Difference?

By MrMoneySmartly @ Money Smartly 401(k)s  0 Comments
All four are retirement plans classified as “defined contribution” plans.  All four are offered by employers through a third party financial institution called an “administrator” as a tax-deferred investment vehicle to encourage you to save for retirement.  So what’re the differences?
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February 25, 2018

401(k)s and IRAs Do Not Save You From Income Tax

By MrMoneySmartly @ Money Smartly 401(k)s, Taxes  0 Comments
Abstract A common misconception is that 401(k)s and IRAs save you from income tax.  They don’t, but they do save you from capital gains tax.  With compounding, the additional earnings from tax-advantaged accounts over taxable accounts can be large.
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February 24, 2018

How are Capital Gains Taxed?

By MrMoneySmartly @ Money Smartly Taxes  0 Comments
capital gains
Abstract: Gains from sold investments, known as capital gains, are taxed lower than income.  Interest and dividends are taxed as income unless the government considers the dividends “qualified”.
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February 18, 2018

The Best Bond Fund: Intermediate-Term Treasury Bonds

By MrMoneySmartly @ Money Smartly Bonds  0 Comments
Abstract: Treasury bonds correlate less with stocks than do corporate bonds, making treasuries an ideal portfolio ballast.  Specifically, intermediate-term treasuries provide the highest yield for the least volatility.  The Vanguard Intermediate-Term Treasury Fund is the best bond fund for most portfolios.
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February 17, 2018

How to Invest Your Emergency Fund

By MrMoneySmartly @ Money Smartly Emergency Fund  0 Comments
Abstract: After saving 1 month’s income in a checking account to automate your finances, you should save 3 months’ expenses as an emergency fund requirement.  To maximize your net worth, invest that emergency fund in a Roth IRA or taxable account and pad it to ensure no market crash jeopardizes your emergency fund requirement.
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Recent Posts

  • Why Do You Want Money?
  • Should You Invest in Bonds or Pay Down Debt?
  • How To Prevent Volatility From Ruining Your Target Retirement Date
  • 401(k), 403(b), 457, TSP: What’s the Difference?
  • 401(k)s and IRAs Do Not Save You From Income Tax

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