Investments

The Allure Of Zero Coupon Municipal Bonds: Low Risk, Decent Yields

Zero coupon municipal bonds are a type of low-risk investment you should consider for the low-risk portion of your net worth. I’ve personally built a decent municipal bond portfolio to help generate more tax-efficient passive income. If you buy your own state’s municipal bond, you won’t have to pay state or local income taxes. Nor […]

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Adopt A Yin Yang Investor Mindset To Grow Your Wealth

As an investor, you need to adopt a Yin Yang Investor Mindset. In other words, always recognize that whenever one asset class is booming, another asset class may be suffering. If you feel like you missed the boat with one investment, just know there’s another boat somewhere in the world waiting. My investment mindset as a retiree

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Investment And Economic Outlook Post President Obama Victory

Now that President Obama has won, I’d like for us to have a mature discussion on the investment and economic outlook for the next four years. Let’s also touch upon how we should act in public now that big government is here to stay. In order to create wealth, we must make reasonable assumptions about the future

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Focus On Building Net Worth Even More Than Growing Income

If you want to achieve financial independence, focus on building net worth even more than growing income. A big net worth gives you more flexibility. You are also taxed at a lower rate. A high income is great. But W2 income is taxed at the highest rates. Instead, you want to generate as much investment

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Crowdsourcing Knowledge For A Commercial Real Estate Investment

Crowdsourcing knowledge is a good idea if you want to invest in commercial real estate. Commercial real estate is one of my favorite asset classes to build wealth post the pandemic. I particularly like residential and industrial properties in the Sunbelt, where Fundrise mainly invests. Office properties in coastal cities look like good value as

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Investment Strategies For Retirement Based On Modern Portfolio Theory

Let’s look at some investment strategies for retirement baed on modern portfolio theory. As a retiree, you are focused more on capital preservation since you can’t or don’t want to go back to work. After publishing my post, The Best Asset Allocation Of Stocks And Bonds By Age, I decided to do a comparison of what

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In Times Of Uncertainty, Take Stock Of All Your Cash

During times of uncertainty, make sure you are on top of your cash. Cash management is really about stress management. Buying anything close to the top of the market is risky. For stocks purchased in 2000, it took 10 years for investors to get back to even. In 2021, we’re finally seeing signs of volatility. After

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