Gain Perspective on Financial Planning. Investments. Your Future.

“Over My Dead Body!” Use a Will or Trust to Help Avoid Battles over Your Estate

A will or trust is critical to protect your estate after your passing, and to make a smooth transition of wealth to your intended heirs. Take the story of Sarah: Her sister’s family lives in the Tel Aviv apartment her widowed father suggested should … [Read more...]

Why a Stock’s Price Doesn’t Matter

There are many factors to consider before buying a stock, but the sticker price shouldn’t be one of them. This joke illustrates why: A market analyst walks into a pizzeria and orders a pizza. When the pie is ready, he’s asked, “Should I cut it into … [Read more...]

Growth vs. Income Investing: Is the Cost of Growth Too High?

According to conventional “growth vs. income” investing advice, if you are a young, upwardly mobile millennial you should put more money in growth stocks that have more risk, but higher potential than other investments. If you’re closer to … [Read more...]

Should Retirees Diversify Globally to Protect Their Savings?

Retirees who diversify globally protect themselves from investing with too much home bias. If you are saving for a future retirement, your goal is probably to grow your capital. If you only focus on higher returns, though, you may take risks you … [Read more...]

Should I Sell Out before Losing Money in a Stock Market Crash?

A retiree called me, nervous about the stock market crashing. He wanted to know if he should abandon the markets by selling his stocks and staying in cash. An alternative to timing the market Since you can’t predict when the market will crash, … [Read more...]

Will Dividends or Interest Boost My Retirement Savings More?

In a well-diversified portfolio, you normally have three different type of earnings — appreciation, dividends, or interest. “Appreciation” is the growth in the value of your investment based on the market going up. Income investors receive … [Read more...]

Corporate or Treasury Bonds-Which Bonds are Better?

Corporate and Treasury bonds can help you turn your nest egg into an income stream. In fact, generating a steady income stream to supplement your pension may be one of the hardest parts of retirement. Bonds have a set interest rate and they usually … [Read more...]

What is the Best Way to Reduce Risk in Your Portfolio

Wouldn’t it be great if there was a fail-proof way to reduce risk in your retirement portfolio? Any investment ad worth its weight in gold has a disclaimer, “All investments are subject to risk.” That is because risk is the operative term when it … [Read more...]

Does Investor Bias Make You Underperform the Market?

A friend recently had a losing streak at the casino. Instead of walking away, he played more hands of blackjack. “I was determined to win,” he lamented. In fact, he was playing to recoup his losses. He was a victim of investment biases … [Read more...]

Should You Follow Investment Trends or Bet against the Masses?

Today, many “investment trend” websites are enticing online traders to join. Investors who follow the trend – also known as “momentum trading” – invest in stocks based on rising market prices rather than company fundamentals. The strategy of … [Read more...]

Profile Perspectives is a personal finance blog based on articles Doug Goldstein, CFP®, director of Profile Investment Services, Ltd., published in The Jerusalem Post. The information posted is purely informational and does not constitute investment or tax advice. Advertisements on the site are neither endorsements nor recommendations. Consult your professional advisors before making any investments based on articles or advertisements. Securities offered through Portfolio Resources Group, Inc., member of FINRA, SIPC, MSRB, FSI. Accounts carried by Pershing LLC., Member NYSE/SIPC, a subsidiary of The Bank of New York Mellon Corporation.

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