Investing hard-earned money in Individual Retirement Funds can be risky, but there are IRA funds that have been performing very well and would definitely be wise to consider. Dodge and Cox Stock has proven to be a reliable fund since its start in 1965. Sometimes going with an older fund is a good idea. The strong performance of Dodge and Cox makes it a good choice for those who are interested in dividend-oriented portfolios and strong risk-adjusted returns.
Vanguard REIT Index Fund has proven to be another fund with good performance. Even though real estate has been risky of late, this fund has been doing very well, especially considering that REITs must distribute 90% of earnings to shareholders every year. Real estate allows for a more diversified portfolio and is a good choice for an IRA fund.
Roth IRAs have always been a good option for IRA investing. After age 59 and 1/2, withdrawals are not taxed, and the rules for withdrawal are more flexible to work with. And since contributions can be withdrawn without the risk of penalty or taxes, Roth IRAs are a good choice if money may be needed sooner rather than later.
Another good choice would be the Vanguard Total Bond Market Index Fund. Half of its portfolio deals in agency and Treasury bonds and the other half in corporate bonds. This fund is expected to perform well in years to come.
Third Avenue Value has been performing reasonably well in the last ten years. Considering the state of the economy, this fund is still doing better than others. It might be worth checking into as an IRA investment. The funds listed here are options to consider when looking for the best IRA funds. Retirement should be relaxing and worry-free, and good investing today can contribute towards a happier tomorrow.
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I’ve been warning many of my readers that the stock market will take a dive very soon and from the looks of the last few days, that time has come. If you look at stock market technicals, you are aware that the DOW at a level of 7550.00 is a level that would cause many sell-offs to happen.
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Today’s lows of the DOW was 7551.01, which came very close, but not to the point where the sell off would have occurred.
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I said it before and I’ll say it again, you need to keep plenty of money on the sidelines for times like these when the prices for stocks in good companies are at a great “sale” price. These companies are not damaged, just the stock prices are. You need to be ready to take advantage of these buying opportunities to help grow your portfolio during a bad economic down-turn.
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For those of you that have had patience over the last month or so, this just might be the time for you to jump in and build a good solid position in the companies that you’ve been watching. I’ve been holding back in jumping in with both feet and with the stock market down at these levels, it’s hard not to just dive in head first. Of course I won’t involve my
emotions in the markets.
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Who knows where the markets will be in a month or two from now. Especially with the fact that
Obama‘s stimulus plan hasn’t really been accepted by Wall Street and Main Street. On the news of the plan being approved, the Dow has dropped quite a bit. The markets can hit that crucial level of 7550 and all bets will be off, the sell off will begin and it won’t stop until it get to about 7300
basis points. Then again it may just take back off to the 9000 level just like it did not too long ago.
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No matter what, the rest of 2009 is going to be a total washout and the only way to get your portfolio to grow is to make trades when the time is right and then get out while the getting is good. Either way the market may go either way over the next couple of days, you should keep an old saying in mind, ” hope for the best, but prepare for the worst”. This way you’ll be ready without being disappointed.
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Hello everyone. Are you ready for 2009? Now that we can put 2008 behind us and hopefully all the issues that went along with it, let’s get to some good trading for the new year. Like last year we want to limit the investing mistakes that can easily happen if you’re not careful. So let’s look at what we can avoid to help us in the new year.
The number one mistake that people make and if you were one of the millions that lost money last year, you just might be thinking of doing this. The biggest mistake that you can do is to not invest at all. Sitting on the sidelines watching it happen while no investing is number one mistake. Even if you can invest $20 a week, it’s better than nothing at all.
The longer you put off investing, the less you’ll have when it’s time to retire. Of course you have to have your current financial situation in order, but once that’s done, you have no excuse not to be investing.
Another mistake that people make when investing is they try to get rich quick. Let’s get one thing straight, trying to get rich quick is not investing, it’s gambling. If you want to gamble, go to Vegas. Investing is a long time strategy not a quick fix approach to financial security.
Mistake number three is putting all of your eggs in one basket. If you want to invest, you need to spread the capital around in different areas of the markets as well as different vehicles (i.e. stocks, bonds, CDs etc.). Doing so will help keep you from losing any of you money in one big sweep. Stocks and other types of investment vehicles will go up and down, but not all of them will go in the same direction at once.
Collectibles are not investments. Yes, the first issue of Spiderman is worth a lot of money, but it won’t grow all that much in the future. Don’t expect to sell it to help your kids through college.
I hope that these tips will help you in the coming year. Be patient and happy trading.
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