| Subject | Date Asked | Expert |
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| WASH RULE | 3/1/2006 | Dr. Joseph de Beauchamp |
Q: I redeemed some mutual funds in July of 05. I received an "Average cost accounting statement" and ...
A: Could mean that neither loss or gain applies here because of some transfer in tittle ownership ...
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| thinking of online investing with mutual funds | 2/21/2006 | Warren Boroson |
Q: Boroson, First, thank you for your service! I'm 53 years old and have had a financial advisor ...
A: In my opinion, you are indeed being ripped off. Your financial adviser must be desperate for money. ...
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| IRA | 2/17/2006 | Dr. Joseph de Beauchamp |
Q: can a retired person still fund a mutual fund IRA, or does it require earned income to do this? ...
A: You can put money into an IRA if you have any line 7 income, otherwise it would not have a point. ...
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| mutul fund | 2/16/2006 | Warren Boroson |
Q: sir, What is mutual fund? How does it function? How can mutual fund helps to an ordinary people? ...
A: Marimuthikumar: A mutual fund is basically a safer way to invest in stocks than buying stocks ...
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| Commodities | 2/15/2006 | Dr. Joseph de Beauchamp |
Q: Good evening Dr.why don't many/most investment advisors at bank trust departments/brokerage houses ...
A: Commodity mutual funds or any involvement with commodities are too speculative. I would be surprised ...
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| 401 K plans | 2/11/2006 | Warren Boroson |
Q: I don't know how to invest my 401(K) funds. We have what might be an unusual situation. My husband ...
A: Take some risk, but hunker down with safety. Riskier investments do not necessarily provide more ...
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| Annual Expenses | 2/10/2006 | John D Smith, CFP |
Q: I want to thank you for the reply and answer. If I have calculated correctly, the annual management ...
A: Yes, assuming 75% of your investments are in the fund with a 1.15% expense ratio and 25% of your ...
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| Annual Expenses | 2/9/2006 | John D Smith, CFP |
Q: How can someone determine his annual management fees for more than one investment? For example, if ...
A: You are on the right track, however, you need to weight each mutual fund based on how much you have ...
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| mutual fund capital gains taxes | 2/8/2006 | John D Smith, CFP |
Q: I have had a mutual fund since 1993. I have been paying taxes on the dividends, which are rolled ...
A: You have to pay taxes on the gains, but not on the dividends that have been paid and reinvested. ...
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| two mutual Funds | 2/7/2006 | Docs99 |
Q: I own two Closed End Mutual Funds with a substancial amount of money in both. One is EVV and the ...
A: You may want to discuss the issue with your tax advisor or cpa or tax preparer and with a registered ...
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| Cash Balance in an IRA. | 2/3/2006 | John D Smith, CFP |
Q: I recently made an early distribution from my IRA to take advantage of some of a soaring mining ...
A: Mt suggestion would be to put the money in a competively yielding money market account or a 12 month ...
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| mutual funds | 1/28/2006 | Warren Boroson |
Q: I actually called the Marsico Funds and they said they have a flexible definition of growth, meaning ...
A: As Max Heine once said, many roads lead to Jerusalem. A high return on equity is a good clue that a ...
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| why pay a financial planner | 1/27/2006 | John D Smith, CFP |
Q: assuming I do reasonable research, invest in a diversified array of mutual funds with good track ...
A: In my opinion, you should pay a financial planner if you feel they can offer services that will ...
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| Overly-diversified mutual funds and fees. | 1/6/2006 | Warren Boroson |
Q: I have a strong feeling I am "overly-diversified" in blue chip mutual funds: I have a hodge-podge ...
A: Over-diversification can happen, but it is not all that bad. It's certainly better than ...
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| need to know | 1/5/2006 | John D Smith, CFP |
Q: i listing to you some stock topics & i want you to take a look then tell me is that topic ...
A: For a beginner to investing, I would still stick with books, etc, that talk about widely accepted ...
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| need to know | 1/4/2006 | John D Smith, CFP |
Q: i listing to you some stock topics & i want you to take a look then tell me is that topic ...
A: Unfortunately it is difficult for me to recommend these courses without knowing more detail about ...
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| need to know | 1/4/2006 | Warren Boroson |
Q: i listing to you some stock topics & i want you to take a look then tell me is that topic ...
A: Many of those topics seem somewhat advanced. Still, you could probably read them and learn ...
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| need to know | 1/4/2006 | Docs99 |
Q: i listing to you some stock topics & i want you to take a look then tell me is that topic ...
A: If you are looking at these topics as a research excercise, the first stop would be your library, ...
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| Triple Witching Day | 12/24/2005 | Warren Boroson |
Q: ------------------------- Thank you for your reply and info. I have wrote my pension admins. and ...
A: I see that American Century Small Cap Value dropped from $11.12 per share on Dec. 5 to 9.79 on Dec. ...
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| Triple Witching Day | 12/22/2005 | Warren Boroson |
Q: I have my retirement funds in a self-direct plan. This year, 1 of the 3 funds I am in took a big dip ...
A: Mutual funds make distributions late in the year. Distributions: realized capital gains, dividend ...
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| Triple Witching Day | 12/22/2005 | Dr. Joseph de Beauchamp |
Q: I have my retirement funds in a self-direct plan. This year, 1 of the 3 funds I am in took a big dip ...
A: I think this is temporary. Mostly at the end of the year, funds drop to pay out the capital gains ...
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| 401k strategy | 12/11/2005 | John D Smith, CFP |
Q: I am 35 years away from retirement. Does it make sense to have a very aggressive growth strategy for ...
A: In my opinion, it does make sense to have an agressive growth strategy for retirement savings needed ...
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| pointers | 12/11/2005 | Warren Boroson |
Q: could you point me to a good methodology on how to rebalance my 401k. Also, do you know what web ...
A: The generally accepted rebalancing method is to check it at least every year -- and rebalance when ...
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| I'm looking for a place, on... | 11/29/2005 | John D Smith, CFP |
Q: I'm looking for a place, on which there is classifieds, where people sell a business and search for ...
A: The Wallstreet Journal has a section each week that posts small business opportunities...both ...
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| 401K Rollover | 11/26/2005 | Warren Boroson |
Q: Warren- I have recently changed jobs and am planning to roll-over my 401K either into a traditional ...
A: There's an easy answer. If your new employer offers a match, go with it. If your new employer ...
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| Mutual Funds/529 Savings Plan | 11/9/2005 | Dr. Joseph de Beauchamp |
Q: My wife and I are trying to decide if a 529 plan or mutual fund is better for our children's money. ...
A: Scott, Making money with a mutual fund and paying taxes ---this is a good thing. Most funds over ...
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| inflation-protected bonds | 10/14/2005 | John D Smith, CFP |
Q: Fidelity, Vanguard, and others have offered inflation-protected bond funds for several years now. ...
A: TIPS perform the best in periods of unanticipated inflation. Regardless of the interest rate ...
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| Mutual fund | 10/1/2005 | Dr. Joseph de Beauchamp |
Q: Everyday newspaper i'm hearing of mutual fund.What is mutual fund.it will be useful for me if you ...
A: Aravind, There are about 15,000 mutual funds. You might want to go to a local library and read ...
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| mutual fund companies | 9/23/2005 | Dr. Joseph de Beauchamp |
Q: When I retired from the hospital, I transfered all my retirement assets and TSA to a mutual fund ...
A: They would be just fine to use. Most of the funds are about the same. TSA funds need to approved by ...
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| Bond index funds | 9/19/2005 | Warren Boroson |
Q: Please help to understand MorningStar info on index bond funds: 1. Why they evaluate risk of ...
A: Answer from Don Phillips, managing director, Morningstar The reader is right in his thinking about ...
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| 401k | 9/15/2005 | Warren Boroson |
Q: What are the pros and cons of just throwing all my allocation into an index fund such as a fund that ...
A: The pros: * You will have a well-diversified portfolio, the S&P 500 having been set up to cover a ...
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| 401k | 9/15/2005 | John D Smith, CFP |
Q: What are the pros and cons of just throwing all of my allocation into an Index fund such as a fund ...
A: I agree with the philosophy of using index funds since over time active managers have a tough time ...
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| tax break on dividends | 9/9/2005 | Warren Boroson |
Q: I've been considering buying a Vanguard mutual fund which invests in dividend paying stocks. This ...
A: My guess is that it wil be extended--along with the 15% limit on taxes for long-term capital gains ...
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| tax break on dividends | 9/9/2005 | Docs99 |
Q: I've been considering buying a Vanguard mutual fund which invests in dividend paying stocks. This ...
A: Your guess is as good as anybody's. There are so many variables and the state of affairs can change ...
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| tax break on dividends | 9/9/2005 | John D Smith, CFP |
Q: I've been considering buying a Vanguard mutual fund which invests in dividend paying stocks. This ...
A: Your question is a great one Tom, and to be honest, nobody knows for sure what will happen. The ...
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| tax break on dividends | 9/9/2005 | Dr. Joseph de Beauchamp |
Q: I've been considering buying a Vanguard mutual fund which invests in dividend paying stocks. This ...
A: Tom, I think that you should make your decision independent of tax concerns. Tax laws continue to ...
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| treasuries | 9/8/2005 | Warren Boroson |
Q: My absolute investment periority is preservation of nest egg.I hold Vang 28 with is corp. bonds of ...
A: Treasuries are not only safer; they are more liquid--easier to buy and sell. But if you're focusing ...
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| treasury | 9/8/2005 | John D Smith, CFP |
Q: When my absolute priority of investing is peservation of capital is the word "treasury"some sort of ...
A: The word treasury would imply guaranteed against default since it is backed by the US government. ...
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| Bond Funds | 9/5/2005 | Warren Boroson |
Q: If an investor wants to have a bond mutual fund in his IRA account, what type of bond fund, short ...
A: The consensus among authorities is that ordinary investors are not compensated enough for the ...
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| Rate Of Return & Total Return | 9/1/2005 | John D Smith, CFP |
Q: I want to thank you for the reply. I am somewhat confused. You indicated in your reply "rate of ...
A: and sorry for the confusion. As I mentioned the phrase rate of return and total return on ...
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