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Allan Roth

Insurance is a contract between you and an insurance company to protect you from potentially costly events. You pay a premium to the company, and it insures you against various unpredictable occurrences:
I often hear that interest rates are awful and that it's the worst time ever for retirees needing to live on fixed income. Yet when you look at after-tax, inflation-adjusted returns, a different picture emerges.
Ever get those invitations for a free financial seminar at a restaurant? "Nothing will be sold - we only want to educate you on your financial future," is the typical pitch. Most specify that "financial professionals may not attend." However, I recently received one that didn't exclude me, and…
In his new book, Flash Boys: A Wall Street Revolt (W.W. Norton & Company, 2014), Michael Lewis, author of Moneyball and The Big Short, says stock market trading may be rigged by so-called high frequency traders using supercomputers.
If you want to help pay for higher education for a child or grandchild, consider using a 529 college savings plan. These plans allow you to put money aside for tuition and other college-related expenses, while getting some nice tax advantages as well. Since I have a son who will be college bound in…
Over the past five years, U.S. stocks have tripled in value. For example, the Wilshire 5000 total return index increased from 27.50 to 82.62. Yet paranoia about the market has caused many investors to miss out. The chart below shows the return an investor would have received just by owning a total…
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