New Here? Get the Free Newsletter

Oblivious Investor offers a free newsletter providing tips on low-maintenance investing, tax planning, and retirement planning. Join over 16,000 email subscribers:

Articles are published Monday and Friday. You can unsubscribe at any time.

Investing Blog Roundup: T-Shares for Mutual Funds

In recent decades, investors have been putting considerable pressure on mutual fund companies to lower their costs. Morningstar’s John Rekenthaler argues that the same thing is beginning to happen with the cost of advisory services. The new “T” share class for advisor-sold mutual funds is one example of such pressures.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Investing Blog Roundup: Opening, Middle Game and Endgame of Retirement Planning

Retirement can last quite a long time. And, as Dirk Cotton points out this week, the risks facing you and strategies available to you are different from one stage of retirement to another. And it would be wise to explicitly account for such changes when crafting a retirement plan.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Investing Blog Roundup: Americans Contributing More to 401(k) Plans

There’s a general consensus that, when it comes to funding retirement, we have a problem — some say an impending crisis, even. In short, most people aren’t saving enough money.

There is, however, some good news. Specifically, people are saving more than they used to. And there’s good reason to think that the trend will continue, because it’s largely the result of new policies in 401(k) plans (most importantly automatic enrollment, but also reasonable default investment options and lower costs), which aren’t likely to go away any time soon.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Investing Blog Roundup: Year-End Tax Activities

Housekeeping note: I’ll be taking next week off to be able to spend more time with family over the holiday. We’ll return to the regular publishing schedule on 1/2/2017. Happy New Year to all of you!

With the end of this year coming up quickly, it’s time to make sure you’ve checked off any last-minute tax activities that you might want to do for 2016. For instance:

  • If you haven’t yet taken your RMD for this year, you don’t want to miss that!
  • Now is a good time to check for tax-loss or tax-gain harvesting opportunities.
  • If you want a Roth conversion to count as income for 2016, you must do it before the end of the year.
  • If you want to contribute to a solo 401(k) for 2016, the plan must be set up before the end of the year.
  • You may want to make an estimated state income tax payment for this year, if you want to be able to count it toward your federal itemized deductions for this year.
  • Most other expenditures that you want to count as a deduction for this year (e.g., charitable contributions, business expenses) must be done before the end of the year.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Investing Blog Roundup: One-Size-Fits-All Health Insurance

Nearly everybody, regardless of political views, agrees that the markets for health insurance and healthcare services in the U.S. are dysfunctional. We spend quite a bit more per person on healthcare than most other developed countries, yet we do not have significantly better health outcomes.

Law professor Nicholas Bagley and healthcare economist Austin Frakt recently provided (what I found to be) an excellent explanation of one of the causes of this undesirable situation.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Investing Blog Roundup: Diversification Is No Fun

Lately, one of the most common questions among investors is, “why do I need international stocks?” A few years ago, the big question was, “why should I hold bonds?” And a few years from now, it will be something else.

In a diversified portfolio, there’s always going to be something that has performed poorly recently. But, as Ben Carlson reminds us this week, the tide will turn eventually.

Investing Articles

Other Money-Related Articles

Thanks for reading!

Disclaimer: By using this site, you explicitly agree to its Terms of Use and agree not to hold Simple Subjects, LLC or any of its members liable in any way for damages arising from decisions you make based on the information made available on this site. I am not a financial or investment advisor, and the information on this site is for informational and entertainment purposes only and does not constitute financial advice.

Copyright 2017 Simple Subjects, LLC - All rights reserved. To be clear: This means that, aside from small quotations, the material on this site may not be republished elsewhere without my express permission. Terms of Use and Privacy Policy