Gain Perspective on Financial Planning. Investments. Your Future.

How Can You Increase Your Retirement Income?

How can you increase your retirement income and avoid risk? That’s tricky, and a lot of folks simply opt to put their money in the bank. But the good news is that there are other options, aside from the bank, for reducing risk and generating more … [Read more...]

What You Need to Know Before Buying Bonds

If you are looking for a low-risk investment with a steady yield that is generally considered more predictable than the stock market, consider buying bonds.  To watch a short explanatory video about bonds, click here. What are bonds? When you buy … [Read more...]

Are Foreign Investments Good for Your Retirement Portfolio?

Do you want to minimize risk in your retirement accounts? If so, consider diversifying your holdings to include foreign investments. Investing internationally may boost your returns and minimize risk, as you’re “geographically diversified” and not … [Read more...]

Why Bonds Are Considered to Be a Safe Investment

Is there a safe investment that carries little risk? Bonds are often described as a “safe investment” since, compared with other investments, they have a smaller risk of losing principal. However, just because some people call them “safe,” that does … [Read more...]

Is the Best Use Of a Lump Sum Income or Growth?

What should you do if you receive a lump sum, such as an inheritance, legal settlement, or pension payment? Should it be invested for growth or for income? Invest for growth A “growth investment” tries to increase the amount of money you have. … [Read more...]

Is Risk Management the Best Financial Strategy?

What is risk management, and how does it affect your investment decisions? Every investment is risky Every investment carries a chance of making a profit – and a risk of sustaining a loss. However, some investments are riskier than others. … [Read more...]

What You Need to Know About Premium Bonds

Premium bonds may be a good investment choice for retirees looking to increase their income. (For solutions to other problems retirees face, download a free copy of The Retirement Planning Book here.) Consider premium bonds In today’s low interest … [Read more...]

The Best Way to Invest When You Want to Gift Money

Recently, a couple with four children of various ages asked me for advice on how to invest funds that they had just inherited. They didn’t need the inheritance for themselves, and they wanted to pass it along to their children. The couple’s oldest … [Read more...]

Why Interest Rate Risk is Important

Conservative investors who buy bonds to avoid high risk might inadvertently be exposing themselves to a potentially devastating risk: interest rate risk.   If you are concerned that you may have interest rate risk or other hidden risks in your … [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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