Because of the fears surrounding the Coronavirus outbreak, there will be short term economic disruption, but not enough to change our investment strategy.
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Question: My spouse and I will be inheriting about $750,000 to $800,000. The payoff balance of our mortgage is estimated at about $180,000 at 3.5 percent APR for 30 years. Would it be worthwhile to allocate some of the money we are inheriting to pay off the mortgage loan? We still have 27 years left to pay. Alternatively, should I invest the money and continue paying my mortgage?
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Question: I have a one year old child. Is it too early to start a portfolio for my child, and would it be better to start off with a stock or a bond?
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Question: I have about $93,000 invested in non-retirement mutual funds. I have been considering trying to time the market by selling these funds when I sense a bear market approaching (incurring a $1,700 capital loss) and then buying the same funds at a cheaper price once the bear market has arrived. I have no debt and an emergency fund. Is this a good strategy, or too risky?
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Question: To find the price-earnings ratio of a stock, I divide the current stock price with the last four quarters of earnings. If the current list price is higher than the number I get when I calculate the P/E ratio, what does that mean? Is the stock overvalued?
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Question: My mother passed away a few weeks ago. She left five heirs who want to assure that their inheritance is not going to be subject to market risk before it is distributed. I told her advisor to liquidate most of her portfolio but he said the brokerage firm has frozen the account. What can be done?
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Question: My mom recently passed away. She left myself and my siblings equal distributions from her brokerage accounts. Her financial advisor wants each of us to provide a detailed accounting of our current, personal investment accounts. He cites the need to comply with the Patriot Act. Does the Patriot Act require this?
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Question: I am a stay at home mom. Me and my husband have six children. My husband has a great job. However, I would like to generate some income without having to work outside the home. I have been learning about trading, I want to invest in the stock market. What is the best place to start?
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Question: I am 54-years-old and plan on retiring at the age of 56 from a Federal Government position. I currently have approximately 25% of my total assets in aggressive non-IRA mutual funds. Since I have over half of my total assets in higher risk investments and stocks are at an all-time high currently, should I re-balance my accounts?
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Question: I am less than three years away from retirement and have 80% of my stock portfolio in a particular stock which has grown about 30% in the last two years. My mortgage is at 4.4% and my 401(k) is about 1/3 of my total assets (the other 2/3 being stock). I am single with a salary between $100,000 and $150,000. I was thinking of paying off my mortgage by selling about a quarter of that particular stock which would include the capital gains and fees. Is it wise to sell stock at this time to payoff the mortgage?
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Question: I have just heard that people should forget about retiring until they are 70 years old. Does this only apply to a certain target audience? I am thinking about retiring when I am 60 years old (9 years from now). I have about $2,300,000 in investments split equally between a 401(K) and other investments. My wife and I have always lived well under our means.
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