Investing | Information and Trends by Prosperity Concierge

A Roth Can Be Your Hedge Against Higher Tax Rates

When you invest in a Roth the contributions aren’t deductible. However, when you retire and you begin to withdraw the money during your retirement the withdrawals are tax-free. It’s a nice non-taxable retirement income stream to complement other income sources that will be exposed to higher future tax rates.
Currently, another Roth benefit is that the

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How to Invest in Stocks, Bonds and Commodities For Deflation or Inflation

How to invest in stocks, bonds and commodities for deflation or inflation? Do you take on more debt?
St. Louis Fed President James Bullard said recently that the risk of deflation has risen, and warned of a period of falling prices and slow growth in the U.S similar to that of Japan in recent years.
Fed Chairman

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Have Enough Cash to Retire? Statistics Question Retirement Readiness

Some statistics are showing that of those with income above $72,511 that 13% will run out of cash after 20 years…and 16% will run out of cash after 30 years.
As you’d expect, it gets worse for low-income earners.
Of those with incomes between $31,154 to $72,511 it’s expected that over one-third of them (35%) will

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How to Make Your Money Last When You Retire

To have a decent chance at earning returns that are high enough to generate sufficient income initially plus keep pace with inflation, most people will have to invest in a portfolio that contains at least some stocks and bonds. And when you invest in stocks and bonds – as opposed, say, to CDs – you

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Invest Internationally For Diversification and Growth

International equities have attracted a lot of attention in recent years. In fact, from 2007 through 2009, funds that invest in foreign stocks pulled in nearly $87 billion in net new cash flow, while those investing in U.S. stocks saw outflows of more than $238 billion, according to the Investment Company Institute.
One reason for that

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Investing: Declare Your Financial Independence

The first half of the year is over and now is a good time to review your portfolio to be sure you are properly diversified across your target asset allocation.
If you were too busy to rebalance your holdings in January, now is a great time to make any changes.
You may want to take some holdings

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Exchange-Traded Funds: ETF Industry is Growing

The fast-growing ETF industry is attracting more regulatory attention
EVEN the best financial innovations have a nasty habit of spinning out of control. No surprise, then, that regulatory antennae are twitching at the rapid growth of exchange-traded funds (ETFs), investment pools that are listed on stockmarkets. ETFs have plenty of attractions, giving retail investors a relatively

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Market Volatility

Volatility in the stock market can mean opportunity.
One way to profit in unstable markets is to sell call options on shares you already own, a strategy that Jon Najarian of online brokerage TradeMonster.com likens to earning extra cash by “renting out” your stocks. (Such options, sold through brokerages such as Schwab, are available only on

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Investing: How to Cope With Market Volatility

Investing and Market Volatility
The stock market suffered its worst May in 50 years, with the Dow losing 8.3%. Are we on the edge of another financial disaster? Are we about to witness another market crash? Are you starting to feel nervous?
When we perceive a threat, whether it is a saber-toothed tiger in a prehistoric jungle

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Investment Choices

In her new book, “The Art of Choosing,” Sheena Iyengar explores ways we can become better choosers. Many of her recommendations are aimed at the people who design those options, such as businesses and 401(k) administrators.
Ms. Iyengar:
My research assistants and I offered samples of a British jam. We would switch between two

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