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SMART 401(k) Investing

July 5, 2014
David S. Chang

401(k) retirement plans can make the difference between a financially secure retirement and the specter of running out of money. These plans offer tax benefits and the opportunity for your savings to compound over time. So it’s important to understand every aspect of how your 401(k) plan works, whether you’re just getting started or you’re […]

July 4, 2014
David S. Chang

All investments involve some degree of risk. In finance, risk refers to the degree of uncertainty and/or potential financial loss inherent in an investment decision. In general, as investment risks rise, investors seek higher returns to compensate themselves for taking such risks. Every saving and investment product has different risks and returns. Differences include: how readily […]

July 4, 2014
David S. Chang

Asset allocation involves dividing your investments among different assets, such as stocks, bonds, alternative investments, and cash. The asset allocation decision is a personal one. The allocation that works best for you changes at different times in your life, depending on how long you have to invest and your ability to tolerate risk. Factors to consider include your: Time Horizon. Your […]

July 2, 2014
David S. Chang

Thanks for being a member of the SMART Nation! As part of the membership any consulting or coaching fees will be discounted according to your membership level. We help people live SMARTER lives and develop SMARTER skills through coaching, consulting, and speaking. If you need help to get your finances, life, business, organization, or relationships in order, then please […]

July 2, 2014
David S. Chang

Hedge funds pool money from investors and invest in securities or other types of investments with the goal of getting positive returns. Hedge funds are not regulated as heavily as mutual funds and generally have more leeway than mutual funds to pursue investments and strategies that may increase the risk of investment losses. Hedge funds are limited […]

Best Target-Date and Lifecycle Retirement Funds – How To Pick One That’s Right For You

April 12, 2014
David S. Chang

I recently wrote about the popularity of Target-Date and Lifecycle Retirement Funds, what they are, and the pros and cons. In this article I describe how to choose one that is right for you and my favorite target-date funds. There are over 600 target-date funds and even though many have the same retirement date, there […]

What are Target-Date Investment Funds?

April 12, 2014
David S. Chang

Target-Date Investment Funds During the past twenty years target-date funds have become more popular with investors. Target-date investment funds also known as life-cycle, retirement, or age-based funds were first introduced in the early 1990s. Mutual funds offered instant diversification by pooling money and investing in the major asset classes (stocks, bonds, alternative investments, cash). This gave […]

March 11, 2014
David S. Chang

With people living longer and the future of Social Security uncertain, setting up a financial plan and investing in a retirement account is crucial for financial independence. Here are three top investment rules for retirement to follow when investing in an IRA, 401(k), 403(b) or any other qualified retirement account. Rule 1: Invest some of […]

November 5, 2013
David S. Chang

This article series covered America’s Retirement Crisis and how to deal with it. Please click for Part I and Part 2 of this article series! Here are some more strategies to help ensure that your assets last as long as you need them to. FIGHTING THE EFFECTS OF INFLATION Inflation is known as the silent thief since it […]

October 2, 2013
David S. Chang

This is Part 2 of the eight principles of long-term investing. as we continue to look at important principles that you may find useful in helping you make investment decisions. Click here for part 1! 4. Be Flexible And Diversified. Diversification is a powerful tool to reduce certain types of risk in your portfolio. Make […]