The AAII Journal

July 2008 Issue

Financial Planning »

How to Value a Stream of Payments

thumbnail for How to Value a Stream of Payments Are you overlooking a large pool of assets? That may occur when it is hard to put a number on an asset--for example, valuing a guaranteed steady payment stream, such as pension plan and Social Security payments, for retirees. Ignoring those assets may cause you to be too over-invested in fixed income.

 

Getting Started »

Certificates of Deposit

thumbnail for Certificates of Deposit A certificate of deposit (CD) is an interest-paying savings vehicle. A CD has a stated maturity date, a specified interest rate and can be issued in any denomination by commercial banks, thrifts and credit unions. Putting your cash reserve in a CD can earn you more interest than using a cash deposit account.

 

Features »

Will Your Savings Last? What the Withdrawal Rate Studies Show

thumbnail for Will Your Savings Last? What the Withdrawal Rate Studies Show Determining a "safe" withdrawal rate for retirement savings is a tricky balancing act for retirees. If it is too large, they may run through assets too quickly, but if it is too little, their lifestyle will be below where it could be. Many studies have attempted to determine the "maximum" safe rate. Lessons from what the studies have found.

 

Stock Strategies »

Money in the Bank: How to Find Opportunities in a Fallen Sector

thumbnail for Money in the Bank: How to Find Opportunities in a Fallen Sector In the past year or so, bank stock prices have fallen sharply. But declining stock prices yield opportunity. Many good banks have been tarred with the same brush as the troubled banks. How do you analyze a bank? A brief look.

 

Offbeat Offerings »

Offbeat Offerings: Certificates of Deposit

thumbnail for Offbeat Offerings: Certificates of Deposit An investor reference for products that are not your typical offerings. This issue's focus is on certificates of deposit (CDs).

 

Investor Professor »

Stand Up and Be Counted: How to Value a Stream of Payments

thumbnail for Stand Up and Be Counted: How to Value a Stream of Payments Are you overlooking a large pool of assets? That may occur when it is hard to put a number on an asset--for example, valuing a guaranteed steady payment stream, such as pension plan and Social Security payments, for retirees. Ignoring those assets may cause you to be too over-invested in fixed income. But how do you value a stream of payments? A look at one approach

 

First Cut »

The First Cut: Dividend Achievers

thumbnail for The First Cut: Dividend Achievers A starting point for investors. This issue's focus is on finding stocks with the highest long-term dividend growth rate, and stocks with the highest yields.

 

Stock Screens »

The Election-Year Effect: For Now, 2008 Stock Market Bucks the Trend

thumbnail for The Election-Year Effect: For Now, 2008 Stock Market Bucks the Trend So far this year, the market has been unable to overcome a series of obstacles, and as of the first week of June, the S&P 500 was down 7.3% This has carried over to the AAII stock screens: of the 56 screens tracked at AAII.com, only 20 are up for the year, although 43 are outperforming the S&P 500.

 

Investment Newsletters »

Long-Term Newsletter Performance: It's Not Easy to Beat the Market

How have investment newsletters performed over the very long term? Overall, beating the market is a relatively rare phenomenon.

 

AAII Model Portfolios »

Shadow Stock Portfolio Update and the Disappointing Election-Year Market

thumbnail for Shadow Stock Portfolio Update and the Disappointing Election-Year Market As of the end of May, micro-cap stocks continue to lag the market and the Model Shadow Stock Portfolio reflects that trend, with a weak three months. But even though the market appears gloomy, the bottom line is that it may be wise to stick with your long-term asset allocation or make only minimal adjustments.

 
Departments
  • Briefly Noted
    Current news items of interest to individual investors.
  • Letters to the Editor
    Member questions and comments on recent AAII Journal articles.
  • Briefly Noted
    Current news items of interest to individual investors.
Cover Article »

Will Your Savings Last? What the Withdrawal Rate Studies Show

Determining a "safe" withdrawal rate for retirement savings is a tricky balancing act for retirees. If it is too large, they may run through assets too quickly, but if it is too little, their lifestyle will be below where it could be. Many studies have attempted to determine the "maximum" safe rate. Lessons from what the studies have found.


Topic Archive

Below you can view the complete archives of each AAII Journal topic.