7 June 2009

Treasury ETFs

Treasuries have been particularly volatile lately as the market tries to come to a consensus about the recovery and inflation.

If the recovery comes soon and inflation sets in, treasuries may be a terrible investment. At the same time they are likely currently priced for a recovery within a year or so. If that prediction is overly optimistic they may in fact be an excellent investment.

ETFs offer a convenient way to incorporate the risk profile of Treasuries into your portfolio.

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22 February 2009

Investing Step 10: Techniques

Once you’ve decided how your money should be allocated, it then becomes a matter of execution. There are many details that can make a tremendous difference in how your returns are realized. How you get your money into its allocation is nearly as important as what allocation you choose.

Some key techniques are diversification, dollar cost averaging, index funds and rebalancing.

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20 February 2009

Investing Step 9: Allocation

After all your tax-deferred accounts are being used to their maximum potential, it is time to fund any other accounts. Once that is done, you need to start deciding how to allocate your funds. This is the problem that many people did not properly address before the real-estate bubble burst and is the most important step to maximizing your returns.

The key components in making these decisions are time horizon and risk aversion.

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