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February 13, 2020 Personal 16 Comments

Trump’s budget could make it harder to stay on Social Security disability insurance

Trump’s budget could make it harder to stay on Social Security disability insurance Though President Donald Trump has repeatedly vowed to protect Social Security benefits, his budget includes big cuts to parts of the program. One proposal could make it more difficult for individuals … Continue reading at cnbc.com How zero-based budgeting can transform your […]

July 26, 2019 Mutual Funds 14 Comments

Stay Away From Preferred Stocks Unless You Know What You’re Doing

Stay Away From Preferred Stocks Unless You Know What You’re Doing The easiest way is to do this is to buy a fund dedicated to preferred stocks. Here a strong note of caution is needed. Mutual funds that appear in screeners under the “preferred” category often … Continue reading at forbes.com Next Recession: The Case […]

April 30, 2019 Mutual Funds 11 Comments

Top-performing fund manager who takes big risks says stay invested in US stocks

Top-performing fund manager who takes big risks says stay invested in US stocks Southwest, Boeing’s largest 737 Max customer, said it did not know a safety feature was turned off until after the Lion Air tragedy. When Apple reports second-quarter earnings on Tuesday after the … Continue reading at cnbc.com Veteran Hedge Fund Manager Loads […]

January 16, 2016 News No Comments

GOLDMAN SACHS: Market volatility is here to stay, but the recent ructions are unlikely to last

GOLDMAN SACHS: Market volatility is here to stay, but the recent ructions are unlikely to last Business Insider. Stock market volatility is likely to increase in 2016 compared to 2015, although it’s unlikely to remain around the levels seen in recent weeks. That’s the view of Goldman Sachs’ Krag Gregory who expects a modest uplift […]

December 24, 2015 Mutual Funds No Comments

Top 2015 US Stock Funds Stay Defensive Heading Into 2016

Top 2015 US Stock Funds Stay Defensive Heading Into 2016 Top stock-picking fund managers won 2015 by aiming for brand name companies and avoiding the sector bets that brought down biotech and energy investors. Now, as they look ahead to 2016, these active investors expect to be even more defensive, picking … Continue reading at […]

You can also refund your annuity, meaning you're gaining income for life. However, when you die, the portion if the income payments that you have not collected will be the only amount that your beneficiary receives.

Performance will vary. Fund performance often falls off and risk levels rise during the subsequent three years after a fund is given an initial five-star Morningstar rating, suggests another recent study by Matthew Morey, a professor at Pace University. One reason for this is that after receiving a five-star rating the size of the fund grows dramatically, which then makes the fund unwieldy to manage, he suggests. Since Morey's study was completed, Morningstar also has changed the way it doles out top rankings to make them more precise. One of the biggest problems with all rating systems is that they are not necessarily predictive in nature. This means they're not really set up to tell you whether certain funds will necessarily do better in the future. For the most part, the ratings indicate how much you might have made and how much aggravation you faced in the process.

Combining risk and return. For example, one five-star fund might post moderate return scores, but incredibly low risk scores. Another five-star fund might have much higher-risk scores, but its return score could be strong enough to help it still rank in the top 10% of the pack.