| Subject | Date Asked | Expert |
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| Pay Credit Card with Investment Acct Money | 10/7/2008 | Warren Boroson |
Q: We have $ 14,000.00 on a credit card at 0% until July 2009. We also have $13,000.00 in a mutual fund ...
A: You might pay off the debt with the $13,000, but do it gradually--dollar-cost-average--because you ...
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| Pay Credit Card with Investment Acct Money | 10/7/2008 | Warren Boroson |
Q: We have $ 14,000.00 on a credit card at 0% until July 2009. We also have $13,000.00 in a mutual fund ...
A: Right now may not be the best time to sell a mutual fund. The $14,000 is interest-free? Until next ...
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| mutual funds redemption costs | 10/3/2008 | Warren Boroson |
Q: B I have held this fund for >7 years. I have reported all capital gains,dividends every year based ...
A: http://www.fairmark.com/mutual/selling.htm Dear Mark: The larger, better mutual fund families will ...
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| mutual funds redemption costs | 10/1/2008 | Warren Boroson |
Q: B I have held this fund for >7 years. I have reported all capital gains,dividends every year based ...
A: You've paid taxes on the capital gains and dividends you received in the past? They were in a ...
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| Roth IRA | 9/30/2008 | John D Smith, CFP |
Q: I am thinking of opening an Roth IRA account, but I'm worried about how the current economic crisis ...
A: The performance of the Roth IRA would be dependent o n how it is invested vs who it is invested ...
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| Retirement | 9/27/2008 | Warren Boroson |
Q: I have a Self Directing Pension Plan and have to start distributions this year (71 1/2yrs.). Can I ...
A: You can do it yourself. The rules have been simplified, and the IRS instructions are not hard to ...
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| Mutual Funds | 9/18/2008 | Warren Boroson |
Q: We have 10,000.00 invested in Mutual funds with Edward Jones-Capital Income Builder Fund A. Have no ...
A: Shame on Edward Jones. To have put you in a mutual fund when you "have no idea what this means." ...
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| mutual fund beginner (?) | 9/15/2008 | Docs99 |
Q: I'm almost 18 yrs (in a couple of months) and I'm interested in opening a mutual fund. At what age ...
A: You have a great idea. Saving for your future is very important. You may want to sit down with a ...
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| Smart Money | 9/15/2008 | John D Smith, CFP |
Q: I just want to be secure for the future in this economy, I know you can't become a millionaire ...
A: There is no best way to save and invest that applies to everyone. The best way is dependent on your ...
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| 401K | 9/12/2008 | Warren Boroson |
Q: I thought you may be able to help me. I currently defer a 25% deduction for my 401K, my company ...
A: Did you get my answer? Make sure you have enough money in cash equivalents-- Check into low-cost ...
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| begginer | 9/9/2008 | John D Smith, CFP |
Q: Hello mr smith and my question is im 31 years olds and i havent been saving for retirement i work ...
A: The best way for you to save and invest for retirement is dependent on many unique factors specific ...
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| Grandchildren savings account | 9/9/2008 | Warren Boroson |
Q: I had started savings accounts for my 4 grandchildren I don't have a lot of money however they do ...
A: You might start a 529 College Savings Account for them. You have choices of 529 accounts in ...
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| High Yield Bond Fund | 9/6/2008 | Warren Boroson |
Q: I have an account with Vanguard's High Yield Corporate Bond mutual fund. Over a year ago the net ...
A: ANSWER FRFOM JOHN WOERTH OF THE VANGUARD GROUP: There are a variety of factors that influence the ...
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| mutual fund | 8/28/2008 | John D Smith, CFP |
Q: i am a student,studying for Bachelor of dentistry,3rd year. i would like to invest some of my pocket ...
A: Yes, if you are in mutual funds that invest in the stock market and the stock market goes down you ...
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| REITS in portfolio | 8/25/2008 | Warren Boroson |
Q: Boroson, I just finished Malkiel's "A Randon Walk Down Wall Street," and wanted your opinion about ...
A: Tough question. The traditional advice is: Gradually invest in any segment of the market that ...
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| investor information | 8/25/2008 | Warren Boroson |
Q: Could you please tell me your thoughts on what information or knowledge management systems an active ...
A: I think that a professional has two main types of advantages: 1. Knowledge derived (typically) from ...
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| investor information | 8/25/2008 | John D Smith, CFP |
Q: Could you please tell me your thoughts on what information or knowledge management systems a mutual ...
A: This question is a bit more complicated than you may realize. The information a mutual fund manager ...
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| mutual fund | 8/24/2008 | John D Smith, CFP |
Q: i am a student,studying for Bachelor of dentistry,3rd year. i would like to invest some of my pocket ...
A: How you should invest depends on specific factors such as your investment time horizon, risk ...
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| License requirements | 8/22/2008 | John D Smith, CFP |
Q: I am a full-time worker in the construction industry but I am also active in the stock/options ...
A: The legal requirements for offering investment advice are complicated and several factors impact ...
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| What should we start with | 8/6/2008 | Warren Boroson |
Q: My husband and I recently got married (he is 45 & I am 48)and we want to invest part of my extra ...
A: I don't encourage people to speculate. You might get addicted! But... If I wanted to have ...
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| Need help with IRA and 401k | 7/29/2008 | Warren Boroson |
Q: I am 56 years old and have a 401k and IRA. For my 401k I switched from a target fund to fidelity ...
A: I like both the Vanguard target funds and the T. Rowe Price target funds. Vanguard is more ...
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| Need help with IRA and 401k | 7/28/2008 | Warren Boroson |
Q: I am 56 years old and have a 401k and IRA. For my 401k I switched from a target fund to fidelity ...
A: My best advice is to return to the target fund--presuming it was a high-quality fund like ...
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| mutual fund strategy | 7/23/2008 | Warren Boroson |
Q: I'm 50 years old and not an expert investor. I had my 401k spread over several Fidelity funds ...
A: I suggest that you start investing in the stock market again--gradually. Put together a nicely ...
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| index fund, Ariel funds | 7/21/2008 | John D Smith, CFP |
Q: I have about $20,000 sitting in my checking account and would like to park it somewhere where it ...
A: Yes, there are low cost index funds that do not impose fees to purchase or sell and I am a big ...
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| Mutual Funds/CDs | 7/15/2008 | John D Smith, CFP |
Q: When my father in law died he left our 6yo son 5000. We invested it in a Mutual fund and now 2 ...
A: The "best" way to invest is dependent on youre specific risk tolerance and goals. Since there is no ...
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| 401k Investing | 7/15/2008 | Warren Boroson |
Q: I'm just wondering, in general, when the markets don't perform so well isn't it good for someone who ...
A: Yes, in general it's good when stock prices retreat--so you can scoop up bargains. (Assuming you ...
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| Vanguard New York Long-Term Tax-Exempt Fund Investor Shares (VNYTX) | 7/7/2008 | Warren Boroson |
Q: I am a single 65 year old NY State resident making about $60K a year. I have some savings that I ...
A: I would suggest Vanguard Intermediate Term Tax-Exempt. Munis do seem a reasonable buy now. In ...
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| Performance of Mutual Funds over five years | 6/26/2008 | John D Smith, CFP |
Q: I am a student at Colorado State University and was curious about how a fictitious person's money ...
A: In order to calculate this you would first need to know the performance of the mutual fund over the ...
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| currency ETFs | 6/26/2008 | John D Smith, CFP |
Q: Do currency ETFs go up and down with the currencies they track?
A: The price flucuation of ETF's are technically driven by the purchase and sale pressures of the ...
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| Suggestions? | 6/5/2008 | Warren Boroson |
Q: I have $10K I'd like to put into two mutual funds...Vanguard's VTSMX ($7k) and Vanguard's VGTSX ...
A: I really can't give you a definitive answer because I don't know what your entire portfolio looks ...
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| Suggestions? | 6/5/2008 | Docs99 |
Q: I have $10K I'd like to put into two mutual funds...Vanguard's VTSMX ($7k) and Vanguard's VGTSX ...
A: You may want to talk with your tax advisor and a duly licensed representative. I am unable to ...
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| ETF's or Mutual Funds??? | 6/2/2008 | Docs99 |
Q: We're confused about how to determine allocation between ETF's and Mutual Funds. We kinda ...
A: I am not able to furnish you with financial advice. You need to make a decision and you do not seem ...
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| mutual funds | 5/31/2008 | Warren Boroson |
Q: how do i learn more about mutual funds?? i wanna know where to start and how do you make money with ...
A: Good, honest question. 1. Read a few introductory books. The best by far is Keys to Investing in ...
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| ira | 5/22/2008 | Warren Boroson |
Q: i started an roth ira with ameriprise 2 years ago they invest in the ophnheimer fund. i put 4000 in ...
A: The Ameriprise group does NOT have a good record. And you should avoid most load funds. What you ...
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| taxable dividends | 5/13/2008 | John D Smith, CFP |
Q: I own funds with t rowe price, dodge & Cox and vanguard. It seems that relative to the poor ...
A: First, it is important to realize that 2007 was a record year on average for distributions from ...
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| Mutual Fund | 5/9/2008 | John D Smith, CFP |
Q: What is your feeling about the Janus Fund (JANSX). I have been holding this fund since 1999 as part ...
A: As you are aware as an investor in the fund, Janus has been around a long time and has gone through ...
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| Re: Advice on Investment Portfolio | 4/22/2008 | John D Smith, CFP |
Q: Re: Advice on Investment Portfolio Hello, after reading 9 books on investing I have created my ...
A: First, to clarify, I think you are heading in the right direction by building a portfolio of ETF's. ...
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| mutual fund | 4/21/2008 | Warren Boroson |
Q: What's your opinion of T. Rowe Price Latin America? Is Latin America a still a good place to be?
A: I agree with Morningstar's assessment. If you're planning to invest in Latin America, you had better ...
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| mutual fund | 4/21/2008 | John D Smith, CFP |
Q: What's your opinion on T.Rowe Price Latin America? Is Latin America still a good place to be?
A: For ling term investing, I feel Latin America is a good place to be. However, lating america, like ...
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| hello | 4/21/2008 | Warren Boroson |
Q: When i graduate i want to start a hedge fund. Ive looked at profiles of major hedge fund managers ...
A: It's hard to say. By going directly to a fine firm like T. Rowe Price, you may rise high in the ...
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