Rebuilding Your Investment Portfolio
Kirk Shinkle

Markets have managed to claw back from the worst crisis in decades to rock Wall Street, but nearly everyone is still feeling poorer than just a few years ago. So where do average investors stand today when it comes to regaining all that lost investment, especially the millions of Americans nearing retirement age? In many cases, they're still digging out. And how long will it take to recover your losses? Maybe not as long as you think

Foreign Currency Investing: Now May Be the Time
Kathy Kristof

If you've been trying to find a place to invest your money and are feeling uneasy with U.S. stocks and bonds, consider looking overseas. You should know that an increasing number of experts are encouraging clients to boost their holdings in international currencies -- a once-rarefied market that's become more accessible to individual investors.

Know Target-Date Fund's Strategy Before Investing
Andrew Leckey

Forget about resting easy. Target-date funds, billed as confidence-building vehicles that gradually shift your holdings into more conservative fixed-rate instruments as their date nears, have caused some sleepless nights. Investors stashed money in these one-stop retirement plans so they didn't have to worry about making their own allocation decisions. But it has become clear they need to better understand the basic

Oil Investments Are Predictably Unpredictable
Andrew Leckey

Oil companies are the elephant in the room. The wide trading range and erratic movement of oil prices has been perplexing to pundits, investors and motorists alike. You're not hearing bold prognostications or definitive explanations about either oil prices or oil-company stocks. Better to simply wait quietly for everything to play out, most rational people reason. When that will occur, however, no one knows for sure.

Mergers and Acquisitions Perking Up Again
Andrew Leckey

Whether or not you're personally convinced that the recession is just about over, those in the big-buck mergers-and-acquisitions game are believers. 'It's all a sign you can't keep a good capitalist down and eventually greed will overcome fear,' said James Paulsen, chief investment officer for Wells Capital Management, Minneapolis. People are saying, 'Gee, not only are we not going to have a depression, but it looks like we're actually going to have a recovery.'

Festive Times for International real estate Funds
Andrew Leckey

Let's get the party started: An overseas run-up in real estate funds is rocking. International real estate funds are up 38 percent in 2009, or about 100 percent above their market bottom in March, according to Lipper Inc. Global real estate funds that also include U.S. companies are up 28 percent this year.

Demographics Should Factor into Investment Strategies
Andrew Leckey

Demographics will be playing an increasing role in long-term investment. A global potpourri of aging populations, rising middle classes and out-of-kilter national economies must be factored into individual strategies for the future. Savvy investors consider such things ahead of time, rather than as they occur.

Avoid Motion Sickness With These Investments
Andrew Leckey

Most investors want to avoid motion sickness. Even if the final results could be the same, arriving at those results on a smooth road with few bumps is preferable to veering up and down like a roller coaster. Yet those same investors also have some difficulty shaking off a commonly held belief ...

Time to Pick Inflation-Fighting Investments
Andrew Leckey

Some experts are convinced that a rise in prices will be the end product of stimulus packages, bank bailouts, budget deficits and economic recovery. Their belief is not universal, and timetables are pure conjecture. Nonetheless, that hypothesis is worth some consideration by any investor with a well-rounded portfolio.

Should You Join the Roth Conversion Parade
Mark Miller - Retire Smart

Get ready for a big push from the mutual fund industry this fall urging you to convert your traditional tax-sheltered retirement account to a Roth IRA. The inspiration for the marketing drumbeat is a change in federal law next year that lifts the household income limit for eligibility to convert traditional IRAs to Roth accounts. Marketing hype aside, retirement investors should give serious consideration. Here's why ...

Size Up Your Inflation Risk, Then Gird for the Possible
Kathy Kristof

Prices for goods and services have been relatively tame for the last three decades, but billionaire investor Warren Buffett recently put words to the fear of many market professionals. Inflation may not be around the corner. But, he said in a recent opinion piece, unless something is done to curb government deficits, inflation could hit with a vengeance when the economy starts to gain steam.

Should You Invest in Socially Responsible Funds
Kimberly Palmer

Socially responsible investing, often referred to as SRI, has grown so much over the past decade that the industry group Social Investment Forum estimates it accounts for 1 out of every 9 dollars that is professionally managed in the United States today. But some consumers hesitate to put their money into socially responsible funds. Here are questions and answers to help you decide if socially responsible investing is right for you.

Investing - Roth IRA Conversion: Good Timing is Important
Humberto Cruz

When you convert a traditional IRA to a Roth, you owe tax on the converted amount as if you had simply withdrawn it from the traditional IRA (which in fact you have). But a conversion avoids the normal 10 percent penalty on IRA withdrawals before age 59-and-a-half.

Investing - Congress Mulls Stricter Standards for Brokers
Humberto Cruz

As Congress considers extending the fiduciary standard to brokers - in essence, requiring them to put clients' interests first - consumer and investor advocates, regulators, professional groups and prominent advisers are urging its adoption and trying to prevent attempts to water the standard down.

Investing - Be Smart About Charitable Giving
Andrew Leckey

Charitable giving didn't dry up with recession, but it did become more selective. You aren't seeing donation pledges and checks tossed around casually in 2009. That prudent philosophy has prompted nonprofit organizations to hold their friends close.

Investing - PIMCO Fund Family Has Excelled During Downturn
Andrew Leckey

The PIMCO fund family gets a gold star for insight and early detection of the housing and mortgage debacles, resulting in strong results throughout many of its funds over the past three years. 'PIMCO and the strength of its bond portfolios has really stood out as a perceived advantage for it during the downturn'

Investing - Alcohol, Tobacco Stocks Are Recession-Resistant, Not Recession-Proof
Andrew Leckey

Alcohol and tobacco will always be controversial investments for obvious reasons, yet they tend to weather recession better than many other stock groups. Credit their massive cash flow from loyal repeat customers for a resiliency that overshadows their dubious reputations. No industry, however, can turn a blind eye to 2009 economic trends.

Are Sin Stocks Recession-proof
Kirk Shinkle

"Sin" stocks have had a rough go during this recession despite a reputation as one of the safer spots to park your money during downturns. Gambling, booze, and cigarette firms all have loyal (addicted, even) customers who are supposed to keep coming back no matter how bad the rest of the economy gets. Unfortunately, as with many other bits of the market, this time is different.

Best Mutual Fund Families
By Katy Marquardt

In a recent survey, more than 3,000 financial advisers weighed in with their picks of the top fund families. Criteria included consistency, ethics, trustworthiness, sophistication, and social consciousness. The survey was commissioned by Horsesmouth, an online adviser community and kasina, a financial services consulting firm. But since straight rankings reveal only so much, We asked a handful of financial advisers which fund families they favor and why.

Is There Hope for Home-Related Investments & Home Builder Stocks
Andrew Leckey - Successful Investing

Recession and declining property values have hit homeowners hard, which is bad news for investments tied to homes and property. Homebuilders, home improvement centers and real estate investment trusts are left to pin their hopes on an economic revival.

Financial Security - Income Annuities
Mark Miller - Retire Smart

Let's say you won't have a defined benefit pension in retirement, or that you have a pension that won't pay much. One option is a do-it-yourself pension--better known as an income annuity. An income annuity is something like the mirror opposite of life insurance. A life insurance policy protects you and your family from the possibility you'll die prematurely; an income annuity insures you against the risk that you might outlive your assets.

Women Face High Risk of Outliving Their Money
Mark Miller - Retire Smart

Here's some bad news for men: We don't live as long as women. But there's bad news for women, too: you might live too long -- financially speaking. Women face a greater longevity risk--the danger of outliving their assets and experiencing poverty in old age. The average life expectancy for a 65-year-old American woman is 20 years, or 85 years of age--three years more than a man.

Do Your Homework Before Investing in Target-Date Funds
Humberto Cruz

Target-date funds are mutual funds designed for people retiring in or close to a particular year. For example, a 2025 target-date fund is intended for those planning to retire in or about 2025. Target-date funds are attractive and convenient -- however ...

Why Target Date Funds Face Heat and Probable Reforms
Mark Miller - Retire Smart

Target-dated funds, which offer a way to put your 401(k) investing on cruise control, are taking a lot of heat due to the large losses suffered by some close-to-retirement investors in the market crash. At a recent Washington hearing, regulators threatened to impose new regulations and controls on these fast-growing investment products.

7 Tips for Picking a Target-Date Fund
Emily Brandon

Many retirement savers think they can put their investment choices on cruise control if they use a target-date fund. These funds offer a mix of stocks, bonds, and cash that the fund manager automatically adjusts to become more conservative over time, based on the retirement date the participant selects. But it's best to take a look under the hood before stashing your nest egg in a target-date fund. Here are some tips for finding a target-date fund that is right for you.

To Stay Safe, Sell Stocks: Zvi Bodie says retirees should go into conservative overdrive
Emily Brandon

While most financial planners are still extolling the virtues of stocks -- even in the midst of a recession -- Zvi Bodie is telling retirement-age investors to run the other way. The Boston University and MIT finance and economics professor says any investor who doesn't have the heart of a high-stakes gambler should pull his or her nest egg out of the stock market and shift retirement money ...

Mutual Funds Stage a Comeback: Time to Forgive and Forget?
By Katy Marquardt

After spending much of last year in the doghouse, mutual fund managers have now had two quarters in 2009 to regain the faith of investors. Many of last year's losers are now posting solid gains over the S&P 500

Investors Near Retirement Age Face Big Challenges
Mark Miller - Retire Smart

New data shows just how steep a climb older investors face in attempting to recover from the market crash. It appears that younger retirement investors are faring much better than those near retirement age in bouncing back from last year's market crash.

Avoid These Personal Investing & Financial Gaffes
Andrew Leckey

People want to read about how to make money, not how to avoid losing money. The depth of this recession, however, makes capital preservation every bit as important as positioning yourself to make money as the economy improves. Investors typically make mistakes during this murky in-between economic period.

Choose an Investment Professional Carefully
Andrew Leckey

When it comes to selecting an investment professional, trust is a relative term. Many investors understandably feel a need for additional help in navigating today's volatile markets and economy. That means carefully checking out individual securities brokers or financial planners to find those who merit their confidence.

Immediate Annuities Offer Security, But Tread Carefully
Humberto Cruz - Savings Game

An immediate or income annuity is an insurance product that turns a lump sum premium into lifetime income. Many people hate giving up their principal to an insurance company, and immediate annuities had been slow to catch on. But amid the stock market meltdown.

Separating Deals From Duds: Blindly buying stocks can be hazardous to portfolio

Despite the market's roaring rally over the past three months, some stocks--including those of well-known companies--still look cheap. So how do you separate the deals from the duds? Understand why the stock is cheap.

Basic Materials May Be Unexciting, Except As an Investment

Basic materials stocks sound about as exciting as freshly laid asphalt, but they've become a steaming-hot investment in 2009. This group was devastated last fall as hedge funds abandoned the then-dominant thesis that the world -- especially Asia -- needs to keep building, and summarily dumped the stocks. However, ambitious economic stimulus packages in the U.S. and abroad have revived the need for basic materials.

Emerging Markets Soar but Remain Risky

Emerging markets are like those giant slices of double-mud chocolate-brownie cake offered to you by restaurant servers at the end of your meal. You run the risk of a severe stomachache later, but they sound so good it's hard to resist.

Despite Risks, Some See Opportunities in Speculative Areas of the Market

At a time when so many "sure" investments have let everyone down, speculative investing sounds like simply throwing money down the drain. Shell-shocked investors, wishing no medals for bravery, have contented themselves with safer, low-yield choices.

A Strategy for Stocks? Look Inward First
Kathy Kristof

Uncomfortable putting your hard-earned money in stocks -- even after the recent run-up that has helped recover a portion of the last year's losses?

Strength of Technology Stocks Surprises

Technology is the surprise investment leader this year.

Science and technology stock funds are up 13 percent this year, versus the 2 percent decline of the average diversified stock fund, according to Lipper Inc. Among the tech-firm royalty, Apple Inc. (AAPL) stock is up 40 percent this year, IBM Corp. (IBM) up 22 percent and Google Inc. (GOOG) up 21 percent.

 

10 Funds in Turnaround Mode
After a disastrous 2008, these funds are back on top.

3 Stocks With High-Quality Growth
Hough: Responsible expansion bodes well for these firms' shares.

What Else Is Buffett Buying?
He announced a railroad takeover Monday. Here's what else he likes.

3 Stocks With Dividends and Growth Potential
Hough: Investors seeking income need not forgo rising sales.

15 Funds on a 30% Run in 2009
These funds are outpacing the broad market. But should investors jump in?

3 Stocks for Contrarian Investors
Investors who defy the crowd with these trades might profit handsomely.

3 Stocks That Benefit From Cheap Dollars
Hough: These companies can cash in on the recent humbling of the buck.

3 Euro Stocks With Rising Dividends
Hough: Investors looking for non-dollar holdings should consider these shares.

12 Good Funds That Won't Break Your Budget
Are you a beginner investor? These low-minimum funds are good starter kits.

3 Stocks Trading Near Asset Value
Meager valuations make these shares likely to outperform if the market slides.

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