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"Mutual Funds for the Utterly Confused" (McGraw-HIll, December 2008)
Mutual Funds for the Utterly Confused

Retirement Planning for the Utterly Confused

International Foundation of Employee Benefit Plans says "The book explores the importance of time and retirement philosophy in making a retirement plan."
Read the review

Investing for the Utterly Confused by Paul Petillo


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Your financial future depends on fiscal responsibility. Avoid using payday loans irresponsibly.


Investing

Your Ad Could be Here

What is a
mutual fund?

What is an IRA?

What is an 401(k)?

What is a Roth?

What is a Roth IRA?

What is an Index Fund?

Do you know the Right Investment for Your Age?

Some frequently asked Defined Contribution Questions

What is the difference between a traditional
IRA and a Roth IRA?

Do you invest using dollar cost averaging?

What is
compound interest?

What is
net asset value?

Are you
Investing for Value?

Are you
Investing for Growth?

Are you interested in social investing?

Where there is risk... A Look at Small Caps

Behind the facade of your ETF.

Retirement Planning from our blog:
This is it! The Perfectly Engineered Retirement Plan

Managing the Crisis

We have been reporting on this topic since September of 2008. Do you know how to Manage Your Personal Financial Crisis?

Five Questions for the Finance Guy
Our Personal finance editor answers some important questions about how to get where you are going.

Workers have largely continued to contribute to their 401(k) plans despite the fact that some companies have stopped matching contributions, and investors are still allocating good chunks of their savings to equities, executives from some of the country's largest mutual-fund companies said. Daisy Maxey reports

Are you following our discussion about risk in 2009?
Active Trading Risks | Counter Party Risk | Derivative Risks
Foreign Investment Risk | Growth Investment Risks |
Issuer and Leverage Risks

Have you left retirement money at an old job? What happens to Your Retirement Plan when You Change (or lose a) Job?

I know you are looking at that 401(k) balance. It may be low but it is not a savings account. Stop, think, take a deep breath. And let me Explaining the 401(k) Rules for Withdrawal

Your retirement plan is being watched over. How responsible is your 401(k) fiduciary?
Justifying Fees, Part One | Part Two

How you structure your portfolio is your business. If you never want to admit you are wrong, never want to second-guess your logic no matter how irrational, never want to rebalance or reallocate, that's okay.
Are there lessons to be learned? Can we admit we were wrong?


2009 retirement planning strategies might include a credit counselor. In our Special Report we ask
Is it time to look at credit counseling?
If so, how do you pick a credit counselor?

Have you calculated your retirement correctly? The 4% retirement withdrawal rule explained.

Investor's panic: What are the warning signs you are in a financial crisis?


Essential Retirement Planning Knowledge
Each age has its own benefits and hurdles on the road to retirement. Here are some simple steps to achieve those goals - at every stage of life.

Retirement Planning at 20 | at 30 | at 40 | at 50
Calculators:
Retirement Planning | 401(k) Planner | Risk Measure

Note to Readers: Our Mutual Fund Page and our Bond Page have changed. Most of your mutual fund and bond information concerning retirement will be found here. But news you can use about mutual funds and bonds have moved. Please book mark them when you land on the page.
Mutual Funds and Bond Investing

Our Top Seven Retirement Planning Books
The stock market involves much risk and uncertainty. Let's face it, the majority of people who invest in stocks (directly, through funds, or in a retirement plan) don't fully understand how the capital markets actually function. Thoughts on Trust from John Nofsinger is an associate professor of finance at Washington State University.

Robert L. Leahy, Ph.D. writes: "If you are like a lot of investors who are anxious, you have become derailed in your thinking in recent weeks, feeling that the bottom might fall out.
Anxiety, Investing and Time Perspective, September 29, 2008

401(k) participation grew despite market volatility. See what auto enrollment has done

In 2037, the year the trust fund is currently projected to be depleted, the youngest baby boomers, currently age 45, will be 73. A look at Social Security for the rest of us. Emily Brandon contributes.

"Individual Americans É need to rely more on savings, private pensions, and their labor supply and that of their families in their retirement years," says Hugo Benitez-Silva, an associate professor of economics at the State University of New York.

Emily Brandon wonders about Pension Insurance and what it means for your retirement.

Work the Numbers on our new 20 in 1 mortgage calculator.

Is your retirement plan nothing but Risky Business?

Working After Retirement? That's not a Plan!

Thinking about borrowing from your retirement plan? Think again.

It's a question many parents struggle to answer: Should savings if there are any go toward retirement or the kids' college expenses? Laura Palmer with US News and World Report wonders if it is because parents lack a retirement/financial plan of their own. The full article here.

And speaking of pensions: Owners of these types of retirement plans can feel a little smug. According to Rik Frehen, a Dutch finance scholar, pensions are doing better for their participants than mutual funds (the mainstay of defined contribution plans such as 401(k)s).

A vastly different Congress is not likely, so understanding how to prepare your investments for an inflationary future is essential. Unlike the 1970s, today's situation is more complex. Frank Beck reports.

How to Green a BlueCollarollar Investor

Nobel prize winning economics professor offers this for your consideration. Annuities: A New Idea?

The downside risks in annuities are something to consider and if you don't, the attraction these instruments have can be problematic.

Taxes and Retirement Planning

Can mutual fund managers pick stocks?
According to our measures of skill, certain funds perform persistently better than others, and the best performers tend to have a growth objective, large size, high turnover, and use incentive fees to motivate managers.

Top Performers


Visit Retirement with a Plan

Tax Special
How tax efficient are your investments? Here's a look at the tax efficiency of mutual funds.

Five tax moves to make it better.

Should you convert your IRA to a Roth

The tax breaks on a Roth 401(k) may be hard to ignore.


So why do so many fund companies make assumptions about non-investors?

Use this guide to help you determine when and how to sell your fund shares

Inside each of us, hidden away and waiting to be tapped, is a Financial Planner. All you need do is ask the right questions.

Are you looking for a mutual fund? Screen it here.

How to fix the mutual fund industry once and for all.

How will your survivors invest their inheritance?
I am often asked this question: At what point do I hire a financial planner?

Created in 1974 as a way to supplement company sponsored pension plans, these plans have grown in size and popularity. Do you IRA?

Baby Boomers need is a new retirement strategy.

Is it a using the Stock Market game the best way to teach young investors?
How Mutual Fund Investors Lose

Soft money is back Let's take a look at this hidden and often needed cost of doing business in mutual funds.

Is the price you pay for a share of a mutual fund the best one.

The average investor now has the opportunity to speculate by purchasing Exchange Traded Funds or ETFs .


Investment News You Can Use

So the question is: if it is good for grocers is it an acceptable practice for mutual funds trying to reach customers in 401(k) plans?


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