The 60/40 stocks/bonds portfolio target has its share of critics. But it's still useful, and there are ways to diversify while protecting and building a long-term nest egg.
In an ideal world, you’d never need to sell any portion of your portfolio for cash, but sometimes you may have to. Here are some things to consider when selling stocks in an emergency.
Don't fight the Fed. It's an old Wall Street adage, but is it prudent to structure a portfolio around macroeconomic policy intentions? And how would you do it, anyway? Here's a rundown.
Recent events have increased interest in adding diversity as a component of environmental, social, governance (ESG) investing. But getting robust data has been a challenge.
Beyond the world of stocks and bonds lies another category of assets: alternative investments. Learn about commodities and other alternative types that may be available to retail investors.
When market volatility throws a wrench into diversification strategy, some investors consider alternative investments. Here’s a look at the world beyond stocks and bonds.
A good defense is the best offense, right? It’s sometimes true for investing as well. Here’s what investors should know about defensive investing and defensive sectors.
Does stock market volatility have you rethinking your investing strategy? In volatile markets, it’s important for investors to stay disciplined and focus on long-term goals.
Markets, as well as economies, run in cycles—sometimes up, sometimes down, sometimes sideways—each for an uncertain amount of time. Cycles present risks and opportunities for investors. Here are a few things investors should know about cycles, recessions, and recoveries.
When bull turns to bear, should you change your asset allocation? It might depend on where you are in your investment journey. If you’re thinking about a strategy pivot, here are a few things to consider.
Dollar-cost averaging means scaling into (and out of) investments over time, rather than all at once. Learn the basics to help you decide if and when dollar-cost averaging could be appropriate for your portfolio.
Even if you got a late start on saving for retirement, there are ways to catch up on contributions to your 401(k) or IRA to have better chances of a successful life after work.
Mutual funds are one of the most popular investment choices some people make when seeking to build a diversified portfolio. Find out why and learn how to choose mutual funds that align with your savings goals.
As the 2020 presidential election looms, investors might be concerned about volatility and potential policy shifts. Should you change your investment strategy? The answer may have more to do with your goals, objectives, and time horizon than your political views.
For long-term investors, $0 commissions for online trades can be a double-edged sword. Cheaper trading can make it easier to diversify, but it can also be an extra reason to be cautious.
Index funds, mutual funds, exchange-traded funds (ETFs). Actively managed funds versus passive management. What do all these terms mean? Here’s a breakdown for investors.
Diversification has been touted by financial pros as a means of spreading out your risk. But can you be overdiversified? Here’s what you should know about overdiversification and rebalancing.
Space may be the final frontier in exploration, but what about for your portfolio? As Virgin Galactic files its IPO, perhaps now’s a good time to review the investing “universe.”
All investments experience market volatility, which is why retirement portfolio strategies should focus on allocating assets across investments of different risk levels.
When companies report quarterly earnings, the stakes can be high. A single earnings miss can dent an investment portfolio that’s concentrated. Here are a few ideas for managing idiosyncratic risk.
When volatility rears its occasional head, some investors consider cashing out stocks. But are there better ways to ride out market volatility? Cameron May explains.
What is a smart-beta ETF? Explore what qualifies as a smart-beta fund and what systems define this type of ETF.
When used prudently, and with a full understanding of the risks, margin can be used to help diversify holdings and attempt to amplify return on assets. But it’s not for everybody. Margin also creates the potential for greater risk of loss from increased leverage.
Though negative rates haven’t appeared to help the European and Japanese economies much, they can’t be ruled out here eventually. Here’s why, and how to consider getting prepared.
In these times of stock market volatility, many investors are looking for yield in fixed income and dividend stocks. However, there’s risk in these investments, too, so know what you’re getting into.
Broker-dealers and advisors are both obliged to work in your best interest but in different ways. Learn about the regulatory differences between the two, as well as several key terms.
Once you’ve mastered the basics of margin trading, you might want to learn how different trader and investor types use it. It can depend on your objectives, risk tolerance, and the products you trade.
Fake news and misinformation about a company can negatively impact share prices, and even if it’s a temporary price move, investors can get caught flat-footed. Here’s how you can help protect yourself and your portfolio.
Investors have several choices as they look to create a customized portfolio to help them pursue their investment goals.
While there are risks involved, investing in emerging and frontier markets can offer stock portfolio and currency diversification and significant growth opportunities.
Investors can use benchmarks to help gauge how their portfolios are performing. Find an appropriate benchmark to compare to your portfolio and keep your investing goals in mind.
Looking for a diversified portfolio that’s also tax efficient? Learn how the one-two punch of tax-free debt securities and tax-loss harvesting can help you pursue your goals.
When making decisions about your equity compensation, remember that the brain can work against you. Here are a few potential pitfalls to avoid. If in doubt, consider reaching out to a financial professional.
If you’re looking for diversification in your portfolio, mutual funds can help you toward your goals. But the array of choices can be dizzying.
Unexpected events can get in the way as you prepare for and enter retirement. Here are some tips on how to try and mitigate their potential impact.
Here’s why you need to keep your retirement money growing even when you’re already using it (hint: inflation and longevity).
What are tax-free muni bonds? Learn the unique benefits and risks of this debt-security investment vehicle.
What are separately managed accounts (SMAs), and how do they work for investors?
Learn why you might want to consider dividends as a potential source of retirement income and how you can incorporate them into your retirement income plan.
Geopolitical risks come in many forms, and can impact an investment portfolio in a number of ways. Here are a few basic points to consider.
Some investors like to self-direct their portfolios, but for others, working with a professional money manager might make more sense. Which is for you?
Learn how retail investors, even those with limited funds, can pursue a diversified portfolio mix using exchange-traded funds (ETFs). Investing in ETFs can provide exposure to a wide variety of markets, sectors, and asset classes.
Feeling financially conservative at retirement age? Your golden years need not be totally devoid of growth investments.
Junk bonds—or high-yield bonds—can be quite risky, but may still have a place in a portfolio.
Life has a way of happening, and investors should consider life changes as a time to assess retirement portfolios and long-term goals.
Our busy lives leave little room to monitor the stock markets regularly. There are times when we can just ignore our retirement portfolios—for a little while.
When spouses have different investing styles, retirement planning can take some compromises from both sides.
Is a dynamic approach to retirement fund drawdowns right for you? Go beyond the 4% rule and explore other strategies.
What if you get a pay hike? Use it to go down a better path for the future and stash it away. Here’s how.
If you choose to use trading as a source of retirement income, it’s important to keep in mind the risks that come along with the potential rewards.
Index annuities popularity is on the rise and that’s a little scary. Put in your due diligence before you jump in.
for thinkMoney ®
Financial Communications Society 2016
for Ticker Tape
Content Marketing Awards 2016
Content intended for educational/informational purposes only. Not investment advice, or a recommendation of any security, strategy, or account type.
Be sure to understand all risks involved with each strategy, including commission costs, before attempting to place any trade. Clients must consider all relevant risk factors, including their own personal financial situations, before trading.
Market volatility, volume, and system availability may delay account access and trade executions.
Past performance of a security or strategy does not guarantee future results or success.
Options are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. Options trading subject to TD Ameritrade review and approval. Please read Characteristics and Risks of Standardized Options before investing in options.
Supporting documentation for any claims, comparisons, statistics, or other technical data will be supplied upon request.
This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.
TD Ameritrade, Inc., member FINRA/SIPC, and a subsidiary of TD Ameritrade Holding Corporation. TD Ameritrade Holding Corporation is a wholly owned subsidiary of the Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2020 Charles Schwab & Co., Inc. Member SIPC.