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Briefly Noted Articles

Proposed Rules for Brokers Working With Senior Investors

May 2015
Based on analysis of how the investment industry interacts with those aged 65 or older, the SEC and FINRA created a list of steps that broker-dealers should consider incorporating into their procedures. Read more »

Financial Disruptions Alter Retirement Plans for Many

May 2015
Two-thirds of American adults have experienced a disruption in their work life that has had a significant negative affect their long-term financial plans. Read more »

Investors Have Difficulty Valuing Annuities

May 2015
In an attempt to understand why investors do not usually see annuities as a viable risk-transfer option, the Center for Retirement Research at Boston College (CRR) looked for a cognitive bias. Read more »

Fundraising Requirements Loosened for Smaller Companies

May 2015
The SEC adopted final rules allowing small companies to publicly raise money, which is a step toward allowing companies to sell equity via crowd funding. Read more »

Tailor Retirement Withdrawals Based on Your Tax Situation

April 2015
Morningstar’s Christine Benz recommends a flexible approach when choosing which account to take RMDs from in retirement. Read more »

The “Other” Costs of Financial Fraud

April 2015
Victims of financial fraud incur varying degrees of indirect and direct financial costs as a result of the criminal activity. Read more »

The Cost of Postponing IRA Contributions Until April

April 2015
A Vanguard study showed that though making IRA contributions in April is a common occurrence, a “procrastination penalty” exists. Read more »

Determining the Perfect Withdrawal Rate

April 2015
Two professors and a financial adviser have created a methodology they claim can identify the “perfect withdrawal amount.” Read more »

The “Dirty Dozen” Tax Scams for 2015

March 2015
The IRS lists 12 aggressive, threatening actions by scam artists during the early weeks of the 2015 tax season. Read more »

Greater 401(k) Focus on Retirement, But Not Annuities

March 2015
In a recent survey, most employers said they were likely to increase their focus employees' retirement planning this year, but few expressed interest in adding retirement income products to their plan offerings. Read more »

Mutual Fund Managers Don’t Outperform Individual Investors

March 2015
A recent study showed that mutual fund managers are no more successful at managing their own personal portfolios than most individual investors are. Read more »

Target Risk Funds Not Worth the Expense

March 2015
Though target risk funds share some similarities to target date funds, there are key differences; plus, they are also not the most cost-effective investment option. Read more »

Activist Investors Go Public to Prod Company Executives

February 2015
Dissident shareholders who publicly disclose their letters to management may be doing so with the intention of reaching a wider audience. Read more »

Confidence in Financial Skills Unaltered by Worsening Cognitive Skills

February 2015
Analysis of an ongoing study by Rush University Medical Center concluded that older adults experiencing measured declines in their cognitive skills remain confident about their financial management skills. Read more »

Gauging Your Psychological Readiness for Retirement

February 2015
Those near retirement should ask themselves if they psychologically ready to change their lifestyle from being employed full-time to being retired. Read more »

Many Retirees May Benefit From Non-Traditional Strategies

February 2015
A brief from the American Institute for Economic Research challenges two primary guidelines for retirement investing that are considered conventional wisdom. Read more »

The Median Stock Doesn’t Beat the Broad Market Indexes

January 2015
According an analysis conducted by J.P. Morgan Asset Management, the median stock underperformed, since its inception, the Russell 3000 by 54%. Read more »

Financial Advisers’ Preferences Determine Client Allocations

January 2015
Rather than tailoring the advice for a given client’s demographic profile, advisers suggest allocations based on the strategy they use for themselves. Read more »

The Top Investor Threats for 2015

January 2015
The North American Securities Administrators Association (NASAA) named four investing strategies as emerging threats investors should be wary of in 2015. Read more »

ETFs Are Not Always Cheaper Than Mutual Funds

January 2015
Exchange-traded funds (ETFs) are perceived as being cheaper than mutual funds. Is this confirmed by reality? Read more »

Annuities Now Allowed in Target Date Funds

December 2014
Deferred annuities are now to be held by target date funds within qualified defined-contribution plans, such as 401(k) plans. Read more »

Some Analysts Use Stock Ratings to Get New Jobs

December 2014
Analysts who are looking to get a job working for a company they cover take a more optimistic stance and issue more reports on the companies they wish to work for, according to a recent study. Read more »

10 Year-End Financial Actions

December 2014
Fidelity lists 10 tasks investors should complete before the end of the calendar year to reduce taxes, protect their portfolios and ensure their financial goals are met. Read more »

Five Ways Physicians Can Protect Seniors’ Portfolios

December 2014
These steps can also work well for starting a conversation with your or your parents’ doctor about cognitive impairment. Read more »



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