Gain Perspective on Financial Planning. Investments. Your Future.

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...]

What You Need to Know About Financial News

Should financial news and media reports affect the way you make your investment decisions? Recently, a client said: “I just read about _________ (fill in Israeli company name) in The Jerusalem Post, and I’d like to buy 1000 shares.” I hear comments … [Read more...]

How to Increase Your Retirement Cash Flow

When you retire, your cash flow changes. Since most pensions won’t replace 100% of your pre-retirement income, you need other ways to increase your monthly cash flow. A bank may not meet your needs If you put your money in a regular savings account … [Read more...]

Do You Need to Worry About a Market Crash?

No one knows if or when there will be another market crash. Anyone who could accurately predict the ups and downs of the market on a consistent basis would make an absolute fortune. Even if the market’s exact moves can’t be predicted, you can be … [Read more...]

How Non-Americans Can Benefit from American Brokerage Accounts

This past week, my office phone rang several times with non-Americans inquiring about opening American brokerage accounts. Given the hassles of dealing in some of the more popular offshore jurisdictions, and given the many benefits of keeping … [Read more...]

How Modern Portfolio Theory Can Make You a Better Investor

Can “Modern Portfolio Theory” increase your investment returns? Recently, on The Goldstein on Gelt Show, I spoke with the inventor of Modern Portfolio Theory, Nobel Prize in Economics winner, Dr. Harry Markowitz. Dr. Markowitz explained various … [Read more...]

How to Avoid Tax Mistakes When You Receive an Inheritance

When receiving an inheritance, it’s important to avoid making tax mistakes. Certain tactics, such as opening a U.S. brokerage account (see below for an interactive tool) can help. Watch out for these mistakes: Mistake #1 – Taking money out of an … [Read more...]

The Surprising Results of an Investment Evaluation Tool

Note: After reading the following true story, try the free Investment Evaluation Tool to determine if you are invested more aggressively than you should be. Details for accessing the tool are below. When I talk with people about how they should … [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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