Economists have been studying the so-called "gender" gap - defined as systematic differences in the outcomes that men and women achieve in the labor market - for over 100 years. These differences are seen in the percentages of men and women in the labor force, the...
Blog
How are America’s families doing financially?
Every three years, the Federal Reserve’s Survey of Consumer Finances interviews thousands of American families (6,026 for the newly published 2013 edition) about their income, savings, investments and debts. It is some of the richest information available about...
Estate planning is more than just having a will
Most people know that having some sort of estate plan in place makes good sense, regardless of your net worth, so that your financial and family goals are met when you die. And having these documents in place can make the end of life a little less painful for those...
What you should know about financial aid for college
Consumers today have more tools that ever to help decipher college prices, and the financial aid packages that may be offered by those schools. College websites are required by law to have net-price calculators, to help applicants estimate what they will really be...
Can you beat the market without picking stocks?
The financial services industry spends millions of marketing dollars every year trying to convince investors that the key to financial success is picking the right stocks (or mutual fund) or correctly timing the market. Yet study after study over the past four decades...
Why stock-picking doesn’t make sense…. at least to us
In trying to understand the concept of active management, and its potential for success, let's begin with the question: What is a stock? A stock is simply an ownership share in a company. Each share of stock in a company represents a part ownership for the...
Index investing is better than active management in less efficient markets, too
In an August 19, 2014 article on the CBS MoneyWatch website, author Larry Swedroe tackles the question of whether active management can generate superior results to index or asset class-oriented strategies in less developed market segments, like emerging markets...
Timing matters when taking account distributions for retirement income
Increasingly, American workers are retiring with multiple types of investment and retirement accounts, including taxable accounts like bank or brokerage accounts; tax-deferred accounts like 401(k), 403(b), SEP IRA and traditional IRA retirement accounts; and Roth...
Ten must-have estate planning documents
Forbes recently published a great post highlighting the most essential estate planning documents. You can view the post here.
Great reasons to offer a 401(k) plan to your employees
Small businesses are often approached by payroll providers, insurance companies and other financial services firms with proposals to set up 401(k) plans for their employees. But many business owners shelve the idea, due to a lack of interest among their employees, as...
Starting young with a Roth IRA for retirement
In our view, one of the cruelest ironies of investing is that the best time to save for retirement is when one is young, because of the "magic of compounding", yet this is precisely when one is likely also saving for a wedding, a first home, or the birth of a child....
Can actively managed funds consistently beat their benchmark?
At Springwater, we believe that the best strategy for generating superior long-term investment results is to focus on setting the appropriate asset allocation (or mix of categories of investments, like large cap stocks, small cap value stocks, real estate, bonds, etc)...
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