Quotes About Finance

TIPS: First created in 1997, these Treasury inflation-protected securities protect you against spikes in inflation.

Remember Warren Buffett's ultimate laws of investing? Rule 1: don't lose money. Rule 2: see rule

If you conscientiously manage your investments for tax efficiency, your 7.5% allows you to double your investments in 9.6 years instead of 24 years! Now do you see the importance of both tax and fee efficiency?

how you are going to master money.

even if the majority agree that low cost index funds are the main ingredients).

And if the feed costs rose, the suppliers would have to eat the losses.

Follow the money. Always follow the money.

20% US Total Stock Index 20% Developed (Foreign) Markets Index 20% US REIT Index (Real Estate) 15% Long-term US Treasuries Index 15% US TIPS Index (Treasury inflation-protected) 10% Emerging Markets Stock Index

cannot envision any situation in which our need for tax revenue in the future is not going to be higher than it is today.

33% US Total Bond Index 27% US Total Stock Index 14% Developed (Foreign) Markets Index 14% Emerging Markets Stock Index 12% US REIT Index (Real Estate)

We know we can't sit on the sidelines, on the edge of the riverbank, because inflation will destroy us if we just sit on our cash. So, alongside our neighbors and colleagues, we journey down to the water with trepidation, and when we least expect it: chomp!

65% US Total Stock Index 35% Intermediate-Term US Bond Market Index.

I said it before, but it's worth repeating: most of today's 401(k) plans allow you to simply "check a box," and your contributions will receive the Roth tax treatment. This decision means you pay tax today, but you never pay tax again!

By paying the tax today, you are giving Uncle Sam his money back earlier. And by doing so, you are protecting yourself and your nest egg from taxes being higher in the future. If you don't think taxes will be higher, you shouldn't

Diversification is the only free lunch.

And so what happens over and over again is the profits win and the investor seeking returns loses.

But overall, the financial services industry contributes a lot to the world. We provide companies with capital to grow, which ultimately fuels employment.

Fifteen percent in intermediate term [seven- to ten-year Treasuries] and forty percent in long-term bonds [20- to 25-year Treasuries].

On the other hand, if you hold too much money in cash, your spending power is not growing.

So here's the kicker: with the state taxes we're saving every year, we are literally paying off our entire new home in six years! Did you catch that? We're paying for our entire home out of the tax savings we now get as residents of the Sunshine State instead of the Golden State. Kind of makes you think we should have done it sooner, huh? Better late than never.

Remember, the biggest challenge in investing is staying power; when markets tank, folks get scared and sell.

First, they could stay in cash, which means they are losing money due to inflation. Or

It is not realistic to finance a 30-year retirement with 30 years of work. You can't expect to put 10% of your income aside and then finance a retirement that's just as long.

There's an awful lot of luck relative to skill. Investing is 95% luck and 5% skill.