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Living in a $300,000 home jointly owned with her husband, Susan pays $2,300 a month on a 30-year mortage with a 7% fixed interest rate. For her retirement and investments, Susan has $2,000 in savings, $4,000 in a 401(k) plan at work and $5,000 in a mutual fund for her kids' college education.
Yeske recommends that Susan divert the $250 a month from her kids' college fund into a liquid money-market fund. Insurance: Since Susan is the main provider for her kids, Yeske advises that she find a good disability insurance policy that covers at least 60 percent of her income if she were to get hurt or ill.
In a tough insurance market, Susan may pay up to $2,000 a year in premiums for a decent policy. If Susan hires a nanny to care for her kids, Susan should consider a $1 million "umbrella" liability policy that would go beyond her normal home and auto coverage. If Susan can afford to cover a loss, she should absorb it herself without a policy, Yeske advised.
Wills: Yeske strongly recommends that Susan and her husband draw up separate wills for the distribution of their real property and financial assets to beneficiaries. Susan's house would not be covered by a will, since it is jointly-owned and would go to the surviving spouse. Kids' college education: If Susan saves $2,000 to $2,600 a year for her kids' separate college funds, she'll accumulate $67,000 to $71,000 for each of them by the time they're seniors in high school.
Beyond savings, investments and financial aid, Yeske recommends that parents give children a tax-effective NOT TAX-FREE gift of stocks. Yeske has mixed feelings about the trust accounts known as Uniform Gifts to Minors Act accounts. The advantage: If your child is younger than 14, the first $600 in income from the account is free of taxation. The downside: Parents lose control over how their kids can spend that money when they turn 18. Retirement: To reach her retirement goals, Susan must save $12,100 a year, or 17% of her take-home pay, for the first five years of her savings plan. If Susan's 401(k) investments hit a 10 percent rate of return with 3% annual inflation, she could pile up $2.6 million by retirement.
NEW YORK -- Science and technology mutual funds have risen from their ashes this year, but whether they can maintain their current climb is far from certain.
After crumbling in the fourth quarter, science and technology funds posted an average return of 9.66% in 1997, according to Lipper Analytical Services Inc.
However, science and tech funds have been leaders this year, with the average fund in the sector gaining 15.64%. Some money managers warn the sector isn't for the faint-hearted, and that the funds' strong climb may be short-lived. Managers expect the sector to experience continued turbulence this year with potential for the stock market to cool and as the U.S. Furthermore, some financial advisers are recommending that clients pause before jumping into a tech fund. Though the sector is less likely than the overall market to cool off, said Chip Morris, portfolio manager of the T. That won't necessarily be the case, but managers see some good bets in the technology sector.
But Tony Rizza, a managing director at Columbus Circle Investors, Stamford, Conn., sees plenty of promise from semiconductor firms. After making a bundle and retiring at 55, Henry Hirsch set out one morning to develop a routine for the years ahead.
Hirsch's story may be extreme, but more and more retirees are deciding that they're not ready for full-time leisure. Working should make it more affordable to delay when you start taking Social Security benefits, and that can be a good thing.
Some retirees who go back to work enjoy the security and esprit de corps that come with a permanent job. Devil Take the Hindmost, a new book by Edward Chancellor that chronicles the history of financial speculation.
By 1850, however, the railway industry was plagued by overbuilding, competition and rising costs. Chancellor's meticulous research offers some valuable lessons for investors who are tempted to wade into the Internet pool. Many well-known Internet stocks -- those that have earnings -- are still trading at enormous price-earnings ratios, that is, the share price divided by earnings per share.
Recent events suggest investors are starting to doubt those cheery forecasts, says David Yeske, a financial planner in San Francisco. Undoubtedly, a few existing Internet companies will outlast the inevitable shakeout. If picking winners were easy, every investor and fund manager with a handful of cash would have invested in Microsoft 10 years ago. Of course, you could entrust your money to an Internet mutual fund, in hopes the fund's manager will have better luck picking winners than you. Think about a financial strategy for the new millennium -- and get ready for two thrilling, jarring leaps into the unknown. Wall Street is awash with investment ideas for the new millennium, all of which need to be viewed from the starting point of what we really know about markets' behavior.
Getting a good education may become a goal that never stops, as experienced workers jump from one career to another. The new investing climate of the millennium is likely to matter most to investors with the longest time horizons. Putting that principle to the test, The Wall Street Journal asked David Gardner, a cofounder of Motley Fool Inc., to devise an investment portfolio that would best suit the lifetime needs of a newborn this week. Leading builder of Internet infrastructure, pushing into wireless markets. Top Internet service provider, with fast-growing profits from ads and commerce. Fast-growing maker of telecom equipment, with big ambitions in wireless markets. Largest biotech company, capable of acquiring smaller players with promise. People will always wear clothes -- and this retailer's fashion sense lately has been unerring. The king of Internet auctions, gaining cachet as it lists higher-priced items.Can it stay ahead of many smaller competitors?
It's mapping the human genome, which could yield medically priceless knowledge. As big as Wall Street is, there's no shortage of other financial advisers, brokers and pundits with different picks and analytical frameworks for the decades ahead.
Because most individual investors focus on short-term turbulence instead of prospects for long-term gains, they tend to be underinvested in stocks, says Christopher Jones, vice president for research at Financial Engines Inc. Experts aren't nearly so sure of themselves on this question -- but they are willing to speculate.
Saving for retirement, meanwhile, is likely to be transformed by new work habits.
Meanwhile, he says, some white-collar professionals say they don't want a classic retirement at age 65, with an utter stop to their working lives. San Francisco, CA, USA -- If you think you need help planning for retirement, a financial planner may be a good idea. Before you hire a financial planner, you need to know as much about them as they will soon know about you.
Experts suggest that among other things you want to know are your financial planner's educational background, types of clients, credentials (are they certified?), organization memberships, and how they are compensated. If you don't want to talk with a planner face-to-face, you now have hundreds of other options on the Internet.
It could be the kids, it could be the jobs, but Phyllis and Chris Bright can't find enough time to manage their money.
Still, the Brights are full of questions: "How much should you have liquid, how much available in one or two years?


We asked David Yeske, a San Francisco certified financial planner, if the Brights' outlook matched their name.
That's risky, so Yeske would slash the 80 percent, leaving just 6 percent of their retirement money in employer stock.
Also, while the Brights now keep 4 percent of their funds in low-yielding money market accounts, Yeske would cut that to just 1 percent. And when it comes to insurance, Yeske says the Brights pocket some quick savings by doubling or even tripling their $250 auto and $500 homeowners deductible. Yeske also advises the Brights keep up their hefty contributions to 401k plans now at 16 percent combined. Along with their investments, the Brights have been smart about living within their means: not buying a more expensive home, keeping credit debt down. NEW YORK (CNNfn) - You may be dreaming of lazy afternoons on the golf course when you retire, but if that's all you're doing while counting down the days you could be in for a shock. Long before you say "Goodbye" to the office crowd, there are crucial steps you should take to make sure your benefits are in order and you have enough money to live on. Experts say you should talk to your company's human resources department about a year before you plan to retire to get a full accounting of your 401(k) and other benefits.
Besides the usual Tax ID, name, address and phone number entries, Form 5500-EZ asks about the plan’s assets at beginning of the year, at end of the year, and the total contributions during the year.
If you are filling out Form 5500-EZ for the first time, you have to look up a few codes in the Form 5500-EZ Instructions.
3D = Pre-approved pension plan – A master, prototype, or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
If you have a SEP-IRA and you worry about Solo 401k being too difficult to do, don’t. Track your net worth, asset allocation, and portfolio performance with free financial tools from Personal Capital. Filing annual tax report Form 5500 — this filing does not apply until your total plan assets exceed $250,000.
Please note that The Finance Buff has financial relationships with some of the merchants mentioned here. 20121 Kings 8:28 -- But please listen to my prayer and my request, because I am your servant. Yeske suggests she save 3 months to 6 months of take-home pay, especially since she's a working mother. But if she cannot afford a potential loss, she should get coverage from an insurance carrier. The stocks in which they invest have soared over the competition and pushed the Nasdaq Composite Index to record levels. It could be a head fake," said Paul Meeks, director of technology research for Jurika & Voyles Inc.
Meeks also manages the Jurika & Voyles Mini-Cap Fund, a portfolio that invests about 13% of its assets in the technology sector, according to fund-tracker Morningstar Inc. Meeks said that while companies' earnings haven't shown the full brunt of the Asian economic turmoil, the trouble could become evident as firms report first-quarter performance.
David Yeske, a certified financial planner in San Francisco, said he warns investors that all the growth potential is factored into the stock prices.
Columbus Circle, which is a division of Pacific Investment Management Co., runs the $300 million Pimco Innovation Fund. He had spread out his papers on the kitchen table and was placing phone calls when his wife came in and said, ''You're taking up my space. A survey this year by the Employee Benefit Research Institute found that 68% of workers expect to work for pay after retiring, up from 61% who said so in 1998. Talk to your current boss about opportunities, and start networking among business associates for leads. The fading dividing line between work and retirement raises important financial planning issues. It used to be that your annual benefits would rise only 3% for each year past age 65 that you delayed starting to draw them. For retirees in their 50s, a bridge job can be a smart alternative to tapping your pension early. True, Internet stocks are considerably less expensive than they were three months ago, with some stocks off as much as 50% since their peak on April 22.
For the first time since the Internet boom began, interest rates are rising and are almost certain to move higher.
But then, many investors thought Microsoft was incredibly overpriced and stayed away, Kathman says. If the sector continues to slide, and the funds' returns suffer, that could prompt investors to redeem their shares. Either way, you have that uneasy feeling that, with the end of the year looming, you should be doing something about your finances. Make your January mortgage payment in December and you can use the interest deduction for your 1999 taxes, says Dave Yeske, a San Francisco financial planner.
Medical expenses must be greater than 7.5% of your adjusted gross income in order for you to claim them as deductions. If you're getting a Christmas bonus or just got a raise, ask your employer if you can receive the money in January so you don't have to pay taxes on it until next year. If you have a 401(k) plan, make sure you tell your employer this month how much you want deducted from your salary next year (up to $10,500). Gardner remains as bullish as ever about new technology, but his horizons are rapidly widening beyond the Internet. Gardner says he's only partway through picking his wireless-communications favorites, but he expects Cisco Systems Inc. But sales growth of its Epogen anemia drug is expected to slow this year.
Still posting losses, though, and its eventual path to profit isn't assured. Many strategists advise putting at least 10% of an equity portfolio into foreign stocks, for example, something that doesn't figure into Mr. Gardner's starting point -- a belief that long-term investors ought to concentrate much of their money in the stock market -- is widely seen as smart thinking. His Palo Alto, Calif., company makes sophisticated financial-projection software available to the public over the Internet. Jones says, Financial Engines has found that people using its software tend to boost the percentage of their portfolios allocated to stocks. Saving for children's education will surely be part of many investors' goals, says Adam Rosier, a Southgate, Mich., financial planner for American Express Co. Instead, they envision doing some part-time consulting into their 70s and 80s, gaining mental stimulation, social contact and extra income. Yeske says, the prospect of longer life spans in the new millennium makes it likely that people in their 80s, 90s and beyond may need to set aside much more money for nursing care. They include large holdings of high-yielding employer stock, a big chunk of income going to 401k plans, and a whopping amount set aside for emergencies. If you are earning big bucks from self-employment, Solo 401k still helps you with Backdoor Roth. Do you have an article that compares SEP IRA’s to Solo 401(k)’s based on who can contribute, how much, fees to set up each plan, and best brokerage to use for each?
Do you have to file this if the plan is < 12 months old, which it would be in the first year of the plan? I hired a professional to do it and I recommend the same for anyone else trying to run their own business and administer their own plan. The Finance Buff may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.
The Nasdaq index has risen more than 13% this year, compared with the S&P 500's roughly 8% gain.
Fund managers agree that the picture isn't as appealing as the recent gains may indicate. Morris said firms designing networking software and providing data services are among the most promising.


Morris sees promise in Oracle Corp., a maker of database and networking software and the world's second-largest software company. Instead of preparing his clients for full retirement, says Yeske, ''I tell them to accumulate enough capital so that they're able to work by choice, not necessity.
If you're the adventurous type, however, retirement can be a good time to try something different.
But the Social Security Administration is gradually raising that credit, so by 2009, it will be 8% per year of delay. Such companies as Manpower and Kelly Services can place people in engineering, software, and other technical fields at rates of up to $50 an hour. Still, just a few months ago, fans of Internet stocks defended their lofty prices, arguing they represented the companies' tremendous potential. Since August 1989, Microsoft's stock has split seven times and risen more than 10,000%.
If enough investors bail, fund managers will have to sell some of their stocks to raise cash.
The same goes for property-tax payments: Make the first-quarter payment now and take the extra deduction for this year. Also, if you're selling stock or other investments to pay off holiday bills, it might make sense to wait until January so you can defer paying capital gains taxes. If you're self-employed, you can set up a Keogh account (similar to an IRA) by Dec.
Traditionally, people have set aside money for their children's college education, for a home down payment, and for retirement at age 65. And retirement may no longer be an abrupt event that separates the elderly from everyone else.
They merely provide another chance to try to squeeze some advantage from following the market's nearly random zigzags on a minute-to-minute basis. He is an unabashed fan of fast-growing young companies that are business mavericks. Now he thinks biotechnology and wireless communications may have the greatest potential -- both for investors and the general public -- in coming decades. AOL already has a lofty $160 billion market capitalization on the strength of its 20 million customers in the U.S. Since 1926, according to Yale University finance professor Roger Ibbotson, U.S. According to the College Board, tuition at the average four-year private college rose just 4.6% this year, to $15,380. Gardner speculates that in a generation's time, much more schooling will be done over the Internet, at lower cost than today's live-in colleges. Yeske, the San Francisco financial planner, says some of his clients already are planning their investments so they can quit work for a year or two in their 30s and 40s to live at ski resorts or other pleasant places. Currently, disability and long-term-care insurance are two of the more obscure parts of a person's financial portfolio. If you want to live at your current income level, say $100,000 a year for 20 years after retirement, then you'll need 13 times that amount in retirement savings, or $1.3 million.
If you do a mix of employer and employee contributions, be sure to track the breakdown yourself.
The biggest advantage of a Solo 401k is that it allows employee contributions in addition to employer contributions whereas the SEP only allows employer contributions. If you expect to live a longer-than-average life and you can afford to do without Social Security for a while, it will pay to wait. And early pension withdrawals are hard to stop if circumstances change and you don't need the money. Temp firms also provide training, skills assessment, and medical benefits--the latter a key concern for retirees who have not reached the Medicare-qualifying age of 65. As the chart shows, the Internet funds have fallen at about the same rate since mid-July. Not only would that hurt the funds' returns, it could also create taxable capital gains distributions.
Of course, if you've got losses from stocks and bonds, you need to sell the securities by Dec.
Yet if history is any guide, investors with strong enough nerves to keep much of their wealth in stocks over long time spans will consistently outperform people taking more cautious strategies.
In the new millennium, all those pursuits may be transformed in remarkable ways.
People of all ages may flit in and out of the work force, using their savings to travel around the world in their 30s, or combining work and play into their 80s and 90s. But for people whose horizons stretch out in decades, the millennium's arrival provides an excellent chance to rethink both investment goals and the tactics used to pursue them. By his own acknowledgment, more than a few of his picks turn out to be bitter disappointments. But if medical advances make it possible to ward off heart disease, diabetes, strokes and cancer, he figures, life spans of 100 years or more could become common.
Of the triad, Amgen has the strongest track record, with a history of profitability and two top-selling drugs in production.
Other investors may quibble over those picks, he concedes, but he says brand leadership in one form or another should be an important part of investors' thinking. Jones says, it's understandable that individuals don't want 100% exposure to the stock market. Then, when the savings wear down a bit, they plan to return to the daily grind. Yeske says, may not need to set aside as much cash for retirement, because they can count on some earnings beyond age 65. I found an administrator to be a great value and appreciate all of the help that they have provided my company over the past two years. By 2002, recipients of Social Security age 65 to 69 will be able to earn $30,000 a year without losing any benefits. Here's why: The only way to get early payouts from your pension without paying a 10% penalty is to commit to a schedule of equal-size payouts. Come December, you could find yourself stuck with a fund that hasn't gone anywhere -- and a big tax bill. What's the right way to balance a portfolio to make the most of future opportunities without being reckless? And with dozens of new technologies promising to make our lives easier, zestier -- and longer -- the chance to invest at least part of a portfolio in tomorrow's growth industries has seldom looked more enticing. But over the past few years, he has attracted more than 700,000 users to his Web site, thanks to a knack for spotting giant winners. Many investors shy away from biotech stocks because it's hard to evaluate the underlying science of each contender.
Both stocks have soared for years on the strengths of their core businesses: Cisco's delivery of Internet infrastructure and Qualcomm's manufacturing of a wide range of telecom gear. That far outstrips the average returns on bonds and money-market instruments.
Ibbotson argues, the Dow Jones Industrial Average, which darted past 10000 this year, could break the 100000 barrier in the year 2024. But a 70% to 80% stake may be a prudent choice for long-term investors, he says. If it happens to be a short year (first year and you didn’t make the plan effective Jan.
If you're 70 or over, you're in luck: Even today you can earn as much as you want with no loss of Social Security benefits. For that reason, ''it's critical for you to decide up front whether you're going back to work or not,'' says Maureen Tsu, a certified financial planner in San Juan Capistrano, Calif. It has averaged yearly gains of nearly 70% since its formation in 1994, benefiting greatly from early bets on America Online Inc.



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