This post will show you how to pick a robo-advisor in the digital wealth management era. Long gone are the days of paying 1% – 3% for a traditional wealth manager to manage your money. Today, you can use free wealth management tools online to manage you money yourself! Thanks to the internet and innovation, […]
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Let’s look at ways to add more income to a retirement portfolio. After all, as a retiree, your main goal is to live off your passive income so you don’t ever have to work again. I retired in 2012 with about $80,000 in passive income. However, now that I have a non-working spouse and two
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Here’s the Financial Samurai mid-year 2018 review. After the 10% 1Q correction, I did a lot of reflecting and decided that I had too much risk exposure. As a result, I decided to move from roughly a 70/30 stock/bond weighting down to a 55/45 stock/bond weighting by selling stocks when the market clawed back to even and buying
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When I first wrote about Understanding Structured Derivative Products As An Investment in 2012, I received some pushback. The media was going on about how structured products helped accelerate the financial crisis partly because investors didn’t understand what they were getting themselves into. It was similar to how some adjustable rate mortgage borrowers didn’t understand how their
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Can cash be considered an investment? I think cash can, especially if the stock market starts tanking. However, most of the time, cash is seen as a returns drag given cash pays so little. There’s a debate going on between Charles Schwab, who launched its Charles Schwab Intelligent Advisors service (robo-advisor), and existing robo-advisors, Wealthfront and
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Once your housing expense is under control, the next thing to tame is your consumption habits. The most common waste of money today is buying an automobile. New cars are simply too expensive for the median household income. But because car manufacturers have created ways for consumers to stretch with financing and leasing deals, consumers
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If you’re an experienced investor or a DIY investor, you may still want to use a financial advisor. There are plenty of benefits. But, the way you utilize one is going to be different from someone who is unexperienced with the markets. I’ll explain the main ways you should use a financial advisor below. First
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Are we in another financial bubble? It feels like it given how aggressive the Fed has hiked rates. It’s best to prepare for another recession just in case. One of the biggest reasons why I believe we could be in another financial bubble is the incessant amount of stock tips I’m getting from people with
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This is the Financial Samurai 1Q2018 investment update and outlook. Hopefully everyone got some laughs this April Fool’s! It’s always good to poke fun at yourself once in a while to stay grounded. Yes, Twitter is indeed like high school where there are gang ups, non-stop gossiping, and outbursts of hormonal rage. One of the
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Income producing assets is what it’s all about in a low interest rate environment. Eventually, interest rates will come down again and risk asets will increase in value. There was surprisingly little debate regarding my passive income investment rankings. Figuring out the five factor scores for each of the seven investments took about 10 hours
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