DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

Learning about personal finance and investing

Learning about personal finance and investing The investment strategy that I always suggest is a “completely passive, globally diversified, always invested, never switch to beat the market” investment strategy. This kind of investment strategy is a very low maintenance investment strategy. From many respects, you set it, and you forget it. Except for: the need […]

You are a financial industry profit center

Why allow the financial industry to help itself to your money? This blog provides you with objective information that could solidify a lifelong commitment on our part to low cost investing. Low cost investing is how you keep more of your own investments for your family, instead of naively giving your money to the financial […]

High Yield Municipal Bond Index Funds

US/National High Yield Municipal Bond Funds with Low Costs List of the low cost high yield municipal bond index funds This particular article provides a listing of the lowest expense high yield municipal fixed income index funds. Inspect the figure below in this paper for the lowest cost index mutual funds investments. The list of […]

Short-Term Taxable Bond Index Funds

US Taxable Short-term Corporate Bond Market Mutual Funds Lowest cost short-term taxable bond index mutual funds This article offers a listing of very inexpensive short-term taxable bond index investment funds. The list of the least expensive index mutual funds investments in the taxable fixed income asset class is more liable to be relatively stable over […]

Short-Term Bond Index Fund

US Taxable Short-term Corporate and Government Short-Term Bond Index Mutual Funds Lists the most cost-effective Short-term Corporate and Gov’t Bond Index Mutual Funds This webpage offers a list of very low cost short-term bond index mutual fund investments. The list of the lowest charge mutual funds investments in the low cost short-term bond fund is […]

Short-Term Treasury Bond Fund

US Taxable Term-based Govt/Agency/Treasury & Short-Term Treasury Bond Funds Lists the lowest cost Short-Term Treasury Bond Mutual Funds This particular webpage gives a listing of the least expensive short-term treasury bond index mutual funds investments. This listing of the lowest fee index mutual funds investments in the US short duration treasury bonds asset class is […]

Long-Term Municipal Bond Funds

US/National Long-Term Municipal Bond Mutual Funds Lists the most economical long-term municipal bond funds available to individual investors This article offers a list of the lowest cost long-term municipal bond index investment funds. This list of the lowest cost index investment company funds in the long-term municipal fixed income asset class is inclined to be […]

Small Cap Index Fund

US Small-Capitalization Value and Growth Stock Mutual Funds Small Cap Index Fund Investments with low costs This summary delivers a list of the least expensive small capitalization value and growth stock mutual fund investments. The list of the lowest expense index investment company funds in the small cap index fund asset class tends to be […]

Real Estate Mutual Funds

Real Estate/REOC/REIT Mutual Funds with lowest fees Low Cost REIT Mutual Funds This chart delivers a listing of the lowest expense real estate index mutual funds investments. The listing of very economical index investment company funds in the xxx asset class is relatively stable across time. Shareholders in the most economical index funds are more […]

Corporate Money Market Fund

Corporate Money Market Fund Investments — US Taxable Corporate Money Market Mutual Funds The most economical low cost corporate money market funds available for individual investors This piece gives a listing of the lowest charge corporate money market fund. Scan the chart in this article for the lowest cost index mutual fund investments. This list […]

Tax-Exempt Money Market Fund

US National Tax-Exempt Money Market Funds The most economical Tax-Exempt Money Market Funds available to individual investors. This writing supplies a listing of the lowest expense tax-exempt money market fund investments. Inspect the list in this paper for the most economical index mutual fund investments. This list of the least expensive index mutual fund investments […]

Ultra Short Term Bond Funds

Low Cost US Taxable Ultra-Short Term Bond Funds Table of Low Cost Ultra Short Term Corporate Bond Mutual Funds This article contains a list of the best low cost and most economical ultra short term bond funds available to individual investors. Note the listing below in this paper for the lowest cost index investment funds. […]

International Small-Cap Stock Funds with the Lowest Expenses

International mid-cap, small-cap, and emerging markets stock mutual funds List of international mid-cap and small-cap stock mutual funds with the lowest costs This section provides a listing of the lowest cost international small-cap, mid-cap, and emerging markets stock mutual funds. See the chart in this article for the least expensive index mutual funds investments. This […]

Is staying in an employer’s tax-advantaged retirement plan better that rolling retirement savings into a rollover IRA?

Here are the minimum requirements for a good quality employer sponsored retirement plan worth staying in. First, all investment and administrative costs should be fully disclosed and rock bottom in your employer’s tax-advantaged retirement account.  Second, an employee must have the choice of at least one very low cost, broadly diversified, low turnover, passively managed […]

Identity theft protection and prevention

How to prevent identity theft You should take the potential for financial identity theft very seriously, as a threat to your financial security. Identity theft sometimes entails a loss of your financial assets. However, whether or not you lose money directly, an identity theft breach can take a very large amount of your time to […]

Rational Mutual Fund and ETF Selection

Rational selection of equity and bond mutual funds and ETFs – An Overview Given the extremely large variety and number of available fixed income and equity investment mutual funds and ETFs, investors need a rational basis to select among them. Without scientific selection criteria and a good understanding of which factors are more or less […]

The Economics of the Financial Investment Advisory Industry

Everyone has similar, yet distinct, financial planning needs regarding their families’ financial futures. While more wealthy people (think millions of dollars) have greater complexity to their financial affairs (caused largely by our incredibly convoluted U.S. personal tax codes), everyone needs sophisticated financial lifecycle planning. Whether wealthy or not yet wealthy, families need a personalized way […]

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