DeFreitas & Minsky Accounting Blog

Smart Options for Investing Your Tax Refund for Retirement

Posted by thallissey on Apr 16, 2015 7:07:26 AM

investing your tax refund for retirement

After tax day, we are rewarded with the fun task of deciding what to do with our income tax refund. Before buying anything this year, consider some of our smart strategies for investing your tax refund for retirement.

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Topics: Financial Planning, retirement, investment

How to Use a 1031 Exchange to Help with Your Investment

Posted by admin on Apr 13, 2015 8:30:23 AM

1031 exchange

Are you in the business of buying and selling real estate? Tired of paying out your gains at tax time? Let us introduce you to the 1031 exchange!

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Topics: Financial Planning, investment

Is Passive Investing Right for You?

Posted by admin on Nov 11, 2014 6:46:01 AM

passive investing

We started talking about active vs passive investing last week, when we introduced an example of a woman investing in an index fund that tracked the S&P 500. This type of passive investing, in which you invest in a fund that tracks the indexes of bonds, small company stocks, foreign stocks, and other asset classes, is quickly becoming one of the most popular forms of investment.

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Topics: Financial Planning, investment

Active Investing Vs. Passive Investing: Which to Choose?

Posted by admin on Nov 4, 2014 11:20:33 AM

active investing

Investors can employ two different strategies when choosing how to invest their money: passive or active. Despite the fact that active investing has historically been most popular, there’s recently been a shift that’s put passive investing way above active in measures of popularity. To illustrate, look at figures from 2013: passive equity funds exceeded $60 billion in net investments, while active funds only had $3.4 billion.

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Topics: Financial Planning, investment

How to Achieve Wealth Sustainability

Posted by admin on Oct 14, 2014 11:02:11 AM

wealth sustainability

It’s no surprise that wealthy people have an interest in sustaining their wealth through future generations. However, what is surprising is how few of them are confident in their ability to do so. In a recent study published by Merrill Lynch’s Private Banking and Investment Group, a third of the participants indicated that their biggest financial concern is their uncertainty about wealth sustainability.

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Topics: Financial Planning, investment

Asset Sustainability Facts You’ll Regret Not Knowing

Posted by admin on Oct 7, 2014 12:22:32 PM

A recent survey published by Merrill Lynch’s Private Banking and Investment Group uncovered alarming statistics with regard to the universal goal of sustainability. “The Meaning of Sustaining Wealth” was a survey that included 171 participants, meant to gain insight into the desire to sustain wealth and the plans through which individuals intended to do so.

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Topics: Financial Planning, investment

Why You Should Take Investment Risks

Posted by admin on Aug 12, 2014 1:28:46 PM

investment risks

There are several strategies to consider when planning your investments, many of which are dependent on the length of your investment term. Oftentimes, investors will opt for the lowest possible investment risk because they’re afraid of downturns in the market, but not taking a risk could be more detrimental in the long run. If you never take risks, you’re preventing your portfolio from ever seeing any significant growth, meaning that your money isn’t working as hard as it could be for you.

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Topics: Financial Planning, investment

What is a Traditional IRA?

Posted by admin on Aug 5, 2014 10:34:32 AM

what is a traditional ira

When talking about saving for retirement, plenty of questions come up. A pretty popular one is, "What is a Traditional IRA?" There are many ways that people can save money for retirement. One of the most popular is through the use of an Individual Retirement Account, or an IRA. The biggest draw for using a traditional IRA is the big tax break that it comes with, but it’s important to know all that you can about any savings method before making a decision. Retirement savings is often done through a series of investment choices, but an IRA is not actually an investment, it’s just the place where you keep all of your assets.

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Topics: Financial Planning, retirement, investment

Why C-Class Mutual Fund Shares are a Short Term Solution

Posted by admin on Jun 17, 2014 4:00:08 AM

c-class mutual fund

We’ve spent the last few weeks taking a fairly in-depth look at mutual fund share classes. From our initial definition of mutual funds, to our explanations of mutual fund A-Class and B-Class shares, we’re finally coming to a close with C-Class Mutual Fund Shares. So what kind of charges can you expect with these mutual fund shares?

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Topics: Financial Planning, investment

How B-Class Mutual Fund Shares Work

Posted by admin on Jun 10, 2014 4:00:09 AM

mutual fund shares

Last week, we started digging a little deeper into the classes of mutual fund shares, trying to decipher the details that differentiate them from one another. To recap, we discussed mutual fund “A” shares, which have lower recurring fees (such as 12b-1s), but require an upfront cost, around 5% of the total investment. Now we’ll move onto mutual fund “B” shares.

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Topics: Financial Planning, investment

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