THE AAII JOURNAL SEPTEMBER 2021 ISSUE
COVER ARTICLE
Can a Roth IRA Conversion Save You Money?
Moving assets from a traditional IRA to a Roth IRA is most compelling when you pay tax on the converted amount at a relatively low rate.
Features
in Portfolio Strategies,Retirement Planning,2021 Investor Conference 360
How to Score a Retirement Home Run
A look at hypothetical returns using four different scenarios reveals the optimal combination of assets and withdrawal strategies.
in PRISM Wealth-Building Process,Bonds,Fixed-Income Strategies
Guidelines for Selecting Bonds and Cash-Like Instruments
Key characteristics when analyzing bonds, choosing between bonds and bond funds and the role of laddering.
in Level3 Passive Portfolio,Portfolio Strategies
Level3 Passive Portfolio Up Strongly Year to Date
Value stocks, smaller-company stocks and real estate segments have performed well this year after lagging large-cap growth approaches over the last decade.
in First Cut Stocks,REITs
Real Estate Investing Without Purchasing or Managing Property
We can construct a universe of equity REITs using AAII’s Stock Investor Pro and build a simple growth screen that requires minimum rates of revenue and dividend growth to narrow down the list.
in First Cut Mutual Funds,Small Cap Value Investing,Mutual Funds
Small-Cap Funds Showing Strong & Consistent Relative Performance
This month’s Mutual Fund First Cut seeks domestic small-cap stock funds that have performed well compared to their peers over the last five years.
in First Cut ETFs,Small Cap Value Investing,Exchange-Traded Funds
Small-Cap ETFs Showing Strong & Consistent Relative Performance
This month’s ETF First Cut seeks domestic small-cap stock exchange-traded funds (ETFs) that have performed well compared to their peers over the last five years.
in AAII How-To,Stock Strategies,Fundamentals
Incorporating the Price-Earnings Ratio Into Your Screening and Analysis
The price-earnings ratio is widely used as a valuation metric because of its simplicity. It embodies the market’s expectation of future company performance and relates it to actual, recent company performance.
in AAII Stock Ideas,Dividends,2021 Investor Conference 360
AAII's Approach to Assessing Dividend-Paying Stocks
The Dividend Screener uses metrics shown to be predictive of strong dividend growth, safety, consistency and attractive relative valuations to identify dividend stocks that may warrant further research.
in AAII Model Portfolios,Small Cap Value Investing
The Pandemic Effect on Shadow Stocks: Strong Year-Over-Year Growth
Gains in revenues and earnings per share are dramatic when comparing 2021’s second quarter to that of 2020.
in Investor Professor,Retirement Planning,IRAs
Online Exclusive: Roth IRA vs. Traditional IRA—Differences You Should Know
The most powerful aspect of any IRA is its tax advantages; however, traditional and Roth IRAs approach tax advantages differently.
Notes & Opinions
in Editor's Note
Keep Eye on the Primary Goal When Funding Retirement
Basic practices such as saving early and often, keeping investment expenses low and diversifying will have a far greater impact on your long-term wealth than choosing whether to convert to a Roth IRA or not.
in Dispatches,Corporate Management
Directors Willing to Sacrifice Shareholder Value Over CEO Pay
More than half of corporate directors (67%) say they would sacrifice shareholder value to avoid conflict or “controversy” regarding pay for CEOs.
in Dispatches,Socially Responsible Investing
ESG Initiatives Gain Momentum in 2021
As shareholders become increasingly invested in environmental, social and governance (ESG) objectives, the number of negotiated proposals is rising.
in Dispatches,Retired Investor
FIRE Followers Need to Adjust the 4% Rule
Withdrawing 4% from retirement savings and then increasing that amount during each subsequent year of retirement is not appropriate for all retirees.
in Dispatches,Inflation
Inflation Not a Major Hindrance to Investment Returns
Though inflation erodes purchasing power—the ability to buy goods and services with a set amount of money—it is not as damaging to investment returns, a study finds.
The AAII Journal, a leading investment publication, provides readers with a continuing stream of insights and ideas that focus on how you can improve your investment results. Unlike many investment magazines, ours is completely unbiased, educational and contains no advertising.
AAII has published this prestigious financial journal every month for more than 40 years. Members receive it for free and have access to thousands of evergreen articles online so they can reference information and strategies for previous market situations with a few clicks of the mouse.
Our stock journal helps individual investors manage their portfolios, build sound investment strategies and navigate all types of financial conditions. Articles range from optimizing target-date fund portfolios to retirement account withdrawal strategies and analysis on robo-advisor performance.
The magazine also has recurring features our members find invaluable. Every quarter, we dissect our model stock portfolio and provide updates to its holdings and performance. This analysis helps individual investors manage small-cap value investments.
We also offer an annual tax guide in our financial magazine. This detailed investment magazine issue covers many details that individual investors need to consider when filing their taxes. It keeps readers updated on any recent changes to tax laws and provisions and provides a handy guide to tax implications of personal investments to cut through any tax filing confusion.
Another annual feature covers ETFs (exchange-traded funds) and mutual funds. This edition helps individual investors understand what to look for when investing in funds. Online, we accompany those articles with sortable tables so that members have an interactive component to their investment research. This helps individual investors plan their portfolios and invest with confidence.
Other regular features in the AAII Journal include financial planning, stock ideas and investor professor. Financial planning articles walk investors through the process and difficulties of crafting strategies for creating wealth regardless of age. They also cover difficult situations, such as estate planning, and helpful advice for getting kids and grandchildren interested in investing.
Stock ideas, as the name implies, give readers a peek at new screens and the stocks that pass them. This part of our investing magazine helps readers identify new opportunities in the markets, flagged by a mix of quantitative and qualitative analysis. Because we all, as investors, need ideas, this remains one of the most popular categories.
Investor professor helps readers invest with knowledge and confidence. It deals with contingencies, such as “What happens to your investment if a company goes bankrupt?” and gives actionable advice on what resources you should use when considering a new broker. Our readers enjoy this section because of its practicality and enduring tips.
Frequent internal contributors include president John Bajkowski; AAII Journal editor and vice president Charles Rotblut; Stock Superstars Report lead analyst Wayne A. Thorp; and Dividend Investing editor Derek Hageman. Together, these internal contributors have nearly a century of market wisdom and research, which they share with clear and concise prose to help individual investors improve their knowledge and portfolios.
The AAII Journal also includes frequent guest contributions from the financial and economic space. Articles from outside industry experts differentiate our financial magazine from others and provide additional points of view for our readers. Previous guest authors have included John C. Bogle, founder of Vanguard; Jay Clayton, chairman of the U.S. Securities and Exchange Commission; Charles Schwab; and Nobel laureate and Yale professor Robert Shiller.
We hope you’ll enjoy our articles and, if you’re not a member, consider joining the Association so you can get our prestigious magazine sent to your door every month.
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