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.

Swiss Bank to Traders: Here’s Some Hot Cocoa in Your Face

The Swiss central bank sucker punched the financial community by unlinking the Swiss franc from the euro. As a result, those who trade in currency markets saw huge gains or losses. And while some blamed the bank’s move for the ensuing market volatility, both U.S. and international stocks gained that day. But there are some very important lessons to take from last week’s events, and those lessons are best learned before fortunes are lost. Foreign currency futures are contracts that allow you to buy …

Non-Traded REITs – Warning, Danger Ahead

Are you looking for income? One solution often pitched is private and non-traded REITs (real estate investment trusts). REITs raise money to buy income-producing real estate. In this low-yield environment, they are touted as having high yields and no market risk, and as alternatives to bonds. These days, REITs are selling like hotcakes. According to Investment News, sales doubled to $20 billion in 2013 from a year earlier. Sales were likely to be robust for 2014 as well, though the Wall …

What to Do With Your Money in 2015

As we start the new year, the usual suspects are lining up to forecast market trends and tell us what to do with our money. But rather than sifting through the same old implausible predictions of the short-term future, let me suggest some useful advice, compliments of Wall Street Journal columnist Jonathan Clements. I asked Clements to share his picks of the best advice for those near or in retirement from his new book, Money Guide 2015, and here they are. …

Four Money Resolutions for Building Wealth

It’s been another good year for investing, but only if you’ve been doing it right. U.S. stocks are up 14 percent this year as of Dec. 26, on top of a 33.5 percent gain last year, as measured by the Vanguard Total Stock Index Fund ETF (VTI). If you want to do it right in 2015, and maximize the chances of growing your wealth, now is the perfect time to make some New Year’s resolutions. Repeat after me…. I will stop making …

Will There Be a Santa Claus Market Rally?

Since 1950, December has proven to be the best month for the stock market. According to MoneyChimp.com, the S&P 500 has turned in an average gain for December of 1.62 percent, outpacing any other month. So far this December, Santa has left nothing but coal in the stock market’s stocking, with the S&P 500 losing more than 65 points, or about 3.77 percent, through Dec. 15. Not exactly anyone’s idea of a rally. >> 5 Bad Investment Moves No need …

3 Lessons from a Stock Market ‘Freak Out’

Just about two months ago, on Oct. 15, the headlines read “Market Freak Out” as the Dow Jones Industrial Average “plunged.” Headlines warned “Why the selling is just getting started.” Fear had returned to the market. My editor asked me to chime in and I posted “Why the Stock Market Plunge Is Not World’s End.” As it happened, not only did the world survive, the stock market quickly recovered. Now is the perfect time to review three investment lessons that …