Baby Boomer Pragmatist

As mentioned in the previous post, there are multiple ways to diversify a portfolio.  Some considerations are investing horizon (how long for investment to grow), geography (U.S. vs. international stocks), market capitalization (large, mid, or small companies), market cycle, industry sector, bonds, short term or …

Diversification in an investing portfolio is an important component to managing risk to achieve more stable or consistent returns to reach your financial goals.  By spreading your investments over a mix of assets with different risks and returns, if one investment performs poorly, it will …

Target date funds are a class of asset allocation funds that adjust the investment ratios to reduce risk as the horizon date nears.  The horizon date could be the anticipated date of retirement or some other long term goal such as a child’s college start …

It’s the beginning of the year and I am putting into motion the plans I need to finalize to take the final steps into retirement.  Instead of making New Year’s Resolutions, I am making a checklist of what I want to have done before I …

The process to consolidate my 403b took far longer than I had anticipated.  The funds from Plan sponsor 2 were finally released in early April.  I had provided them with a mailing address to send the proceeds, but requested that if a different address was …

As I hopefully get closer to being able to retire, I began taking a deeper look at where and how my retirement funds are invested. I have been with the same employer for 43 years and over that time period, the company has used different …