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The Smart Investment Approach

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Imagine this: you don't have to worry about market's ups and downs, you can ignore the financial salesman's marketing hypes, your life is stress-free with a sizable nest egg waiting for you in the end.

Welcome to the smart investment world!  

Just follow 3 simple steps outlined below, you can live a very happy life!

Step 1. 
Set your optimal asset allocation - this will be based on your risk tolerance score!

Step 2. 
Pick your right mix of investment portfolio - find what are the right components!

Step 3. 

Re-balance once a year in 10 minutes and with these tips, enjoy the rest of your life!

The Stressful Investment World

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If your goal is to consistently beat the market, year after year, you will bound to live a very stressful life, and chances are, in the end, you will still lose to the market, because your money will go to someone else!
  • I have $50K cash, where to put it?
  • Where to park emergency fund?
  • What are non-cash emergency fund options?
  • How do I determine the best fund from many choices? 
  • How frequently should I rebalance my portfolio?
  • Is it true that 85% of mutual funds cannot beat the market?
  • Is it true hedge fund can deliver far superior performance?
  • Should I follow star stock picker, such as Cramer?
  • I am a senior looking to invest in high yield stocks, where can I find such opportunities?
  • Why tax-equivalent return is extremely important for retirees? 
  • What strategies I could apply to deal with rising interest rates?
  • I left my job, should I rollover my money as my advisor suggested?
  • How to protect my stock market gain?
  • How to incorporate bond into my investment portfolio?
  • What criteria to use when seeking financial advice?
  • Is it better to put stocks in taxable or tax-deferred account?
  • What smart investment tools are out there?
  • Why even excellent back-tested results are not reliable?
  • Should you invest in I Bonds or TIPS?
  • Why my bond portfolio performed so poorly?
  • Why not to buy individual bonds?
  • 5 Tax strategies every investor should know.
  • Is Motif better than ETFs?
  • Are ETFs better than Mutual Funds?
  • 3 major advantages of ETFs over mutual funds
  • How to avoid medicare surtax?
  • Do financial advisors get paid too much?
  • What role does social security have in retirement portfolio?
  • How to get free financial advisor service?
  • What are the options to invest in gold?
  • How to determine which fund is better?
    • When to sell a fund?
  • How to build investment portfolio with NO commission?
  • How to have stocklike return with below average risks?
  • Are smart-beta ETFs better investment choices?
  • When to sell a winning stock?
  • What is an alternative investment?
  • How to back date testing an investment idea?
  • How to invest in target-date retirement funds?
  • ETF myth buster series - I,II, III, IV  
  • Why levered ETFs are bad for long term investors?
  • How does inflation impact investment?
  • How to manage different investment accounts at one place?
  • High yield investment products 101
  • MLP 101
  • How to evaluate investment performance?
  • What is the total return of a fund?
  • How long is the best time period to evaluate a fund's performance?
  • How to evaluate a fund's expense's impact on returns?
  • How to evaluate your portfolio easily?
  • How does a fund's excessive trading hurt its investors?
  • How to find the best money manager?
  • What should a young investor do if market is near top?
  • How to beat S&P 50 index performance over the long term?
  • Two activist funds to consider.
  • Who is an "accredited investor"?
  • Is a Total Stock Market Index fund good enough?
  • Should I let profit run or rebalance my portfolio?
  • Who is the best robo-advisor?
  • How bad a bear market could be and what to do when it comes?
  • How to invest in hedge funds?
  • How to invest in legal claims?
  • Forbes top 15 stocks for 2015
  • Quantopian - quant trading made easy
  • Where to get low cost financial advice?
  • 5 steps to deal with a possible market correction.
  • 4 tactics to use in a down or volatile stock market
  • Which is better - S&P 500 index fund or Nasdaq index fund?
  • Which S&P 500 index fund or ETF to invest?
  • Proof that emotion drags down performance for average investors
  • Learning from a volatile week of stock market movements
  • What are actively managed mutual funds' fees?
  • Which high dividend ETF to invest?
  • Best and free online resources for income investors
  • The single most successful measure of stock valuation
  • Differences between Fiduciary Standard and Suitability Rule
  • A free online tool to screen stocks
  • Why ETFs can keep costs low?
  • Can I build my entire portfolio with ETFs?
  • How to choose ETFs?
  • Do all ETFs track Indexes?
  • A smart way to ride the oil rebound
  • Qualified vs. Nonqualified dividends: what are the implications?
  • 3 ways to invest in financial sector if Fed raises rates
  • Where is oil price headed for? This chart can tell you.
  • Are gold coins good investments?
  • How many ways to short the stock market?
  • How many actively managed funds outperformed their indexes?
  • Is it time to buy MLP?
  • One indication the market still has room to run
  • Why mutual funds own so many stocks?
  • Can the market go higher from here?
  • 4 strategies to achieve higher yield when rate rises
  • What to do with 401K when the market crashes?
  • When buying market dips is not a good idea?
  • Are all mutual funds' closing prices set at 4pm?
  • Do alternative funds perform better?
  • Market volatility: how to measure and deal with it?
  • Why your broker or advisor can't help you beat the market?
  • What's the best strategy to pick the winning mutual funds to invest?
  • I have $50,000 to invest, which stocks can give me the highest yields?
  • Why investing in mutual funds is a loser's game?
  • Are ETF's a better choice than mutual funds for ordinary investors?
  • I am in my 40's and I have $100,000 available to invest, what's the best way for me to invest this amount so I can achieve both growth and safety at the same time?
  • Is it a good strategy to invest in high dividend funds so I am protected on the downside (when stock price falls the yield goes up) and can enjoy the upside?
  • I heard the 60/40 rule in investing has been quite successful in the past several decades, is it still a valid rule of thumb in today's investment environment?
  • Is turnover ratio an important factor to consider when selecting a mutual fund?
  • I am looking for a low cost way to grow with the market, should I use Index fund or index ETF as the investment vehicle?
  • Are high-dividend funds less risky?
  • I am near retirement, how to find low volatility income stocks?
  • I think a stock is going to fall, how to create a bear call spread?

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