My Mutual Fund Challenge

Want a real challenge? Pick a growth mutual fund today that will return 12% per year return for the next 30 years Tough you say? Impossible? Okay, how about 20 years? Still seem impossible? Well then how about 10 years? Come on… how hard could it be?

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401k Alternatives

401k plans have become as common as carrying a cell phone. It seems like everyone has one, or a form of it anyway. For those that aren’t familiar with exactly what they have, here is what a 401k actually does for you: 1. Defers taxes – Instead of paying taxes today, you can postpone those…

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Qualified Plans: How to Get the Highest Rate of Return

We all want the highest rate of return possible. This has been ingrained in us since the first day we started learning about money. But getting a little better understanding of how your rate of return works inside your qualified plan may help you see some truths about qualified plans you didn’t realize. What do I…

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Alternative Investments

Now more than ever people are looking for a safer alternative investment to what they currently have. They want an alternative investment to whatever is not currently working for them. Let’s take a look at some of these investments that you may or may not be using and see if we can find an alternative…

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Retirement Savings

Stop. If you are following the wall street mentality to retire, you may be in for a shock. Many of these investments have failed the very people who rely on them, and are only making the banks and fund managers rich…not the investors. In fact, many retirement savings vehicles provided by wall street pay the…

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The Value of Liquidity

If you’re like us, you like to be able to use the money you earn. There are a lot of reasons why having our money liquid and accessible is very important. Listen in as we discuss the flawed American philosophies that tie up money (401k, IRA, government plans) and why liquidity is so important.

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America is Backwards: Savings vs Investments

The main problem, however, is not the unpredictable market, but the overall philosophy being taught to us by proclaimed experts about how to securely plan for retirement. The outcomes are sensible, however the road there is failing us.

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Robert Kiyosaki and the Mutual Fund Myth

This is a great video by Robert Kiyosaki and the Rich Dad Team about mutual funds. They make some great points as to why mutual funds are one of the poorest places to have money. There is no control, there is no safety, and there is “no insurance.”

This is another example of successful and wealthy individuals who understands the myth of mutual funds.

Best line in the video: “Mutual funds are a great way to make money—if you sell them to others.”

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Tax Deferral- Pay The Tax Now or Pay The Tax Later

Millions of American’s contribute to tax deferred accounts every month and every year. In fact, thanks to the Pension Protection Act, you are now automatically enrolled in a 401k when you start a new job. I wanted to share a few thoughts on these types of accounts and how it should affect your overall tax…

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The 401k

The economic environment has changed substantially in the last 30 years, but have we adapted?. Listen in as Jake, Josh, and Nick discuss what was happening when the 401k began, and why the 401k may not have the same tax advantages it had 30 years ago.

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