Allan Roth is the founder of Wealth Logic, an hourly-based financial planning firm in Colorado Springs, Colo. He has taught investing and finance at universities and written for Money Magazine, The Wall Street Journal and others. His contributions aren't meant to convey specific investment advice.

How to Beat the S&P 500 Index

I’m going to try to mislead you, but it’s for a very good reason. What I have for you is a U.S. stock fund that not only has beaten the S&P 500 index, it’s nearly certain to continue doing so in the long run. For now, I’m going to call this mutual fund the Super-Secret Fund, or SSF for short. Looking back over 20 years, you can see that the SSF trounced the S&P 500 index. Not only did it …

What the End of the World Teaches Us About Investing

There have been many predictions of Armageddon throughout human history and, so far, all have been a bit exaggerated. Sometimes several apocalyptic false alarms come from the same person, such as Pastor Charles Taze Russell, who predicted the end of the world in 1914, based on careful calculations. When the world didn’t end, he updated his calculations, according to the book History’s Worst Predictions (Chartwell Books, 2011), predicting it would end in 1915, 1918, 1920, 1925, 1941, 1975 and 1994. …

4 Reasons Not to Load Up on Muni Bonds

Many brokers recommend investing in municipal bonds. Municipal bonds, a.k.a. munis, are a debt security issued by a state, municipality or county to finance its capital expenditures. Most are exempt from federal taxes and even state taxes if you live and file taxes in the issuing state.  They are often pitched as being very safe with a long history of low default rates. Get the latest tips on protecting your money and saving for retirement — AARP Money newsletter » So …

Beware of Financial Designations and Awards

When you walk into my office, you may notice a beautiful granite and glass plaque gracing my bookcase that displays the honor of being one of “America’s Top Financial Planners.” It was awarded by the Consumers’ Research Council of America, whose address on Pennsylvania Avenue is less than a half mile from the White House. Now before you think I’m just tooting my own horn, this impressive plaque is actually inscribed with the name “Max Tailwager” — my beautiful and loyal …

Investing — It’s OK to Have Some Fun

In a recent column I exposed my own portfolio and its daring dullness. It is that very dullness which, I believe, is the key to its success. Still, beneath this dull exterior beats the heart of “The Gambler.” Even yours truly gets the occasional urge to buy that risky stock, offering the possibility of a 1,000 percent return, and sometimes I just can’t resist acting on that thrill-seeking urge. That’s why I carve out a small piece of my portfolio …

Fight Financial Clutter (or Do as I Say , Not as I Do)

As a financial adviser, I’ve seen a lot of clutter in people’s financial lives. I know people who have dozens of financial accounts. Problem is, the more accounts one has, the harder — and more time-consuming and stressful — it is to keep track of everything. I know one person, for instance, who has about a dozen different bank accounts, three brokerage accounts, and many stocks and mutual funds in these accounts. Though I typically don’t name people in my …