Like buying a house or car with the help of a loan, investing on margin simply means purchasing securities with borrowed funds. A margin account can be a valuable tool for investors seeking flexibility in managing their portfolios. Margin accounts offer convenience,sophistication, and an integrated approach that allows you to fully capitalize on market opportunities. [...]
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Saving for College: Understanding 529 Plans
Expecting a bundle of joy and wondering if you will be able to afford sending him or her off to college? Fortunately, you have a number of tax-advantaged federal and state college savings vehicles at your disposal, including the 529 plan, which comes in two varieties: the prepaid tuition plan and the savings plan. The [...]
Five Common Retirement Planning Mistakes
It is difficult to create an effective investment plan without first targeting a specific dollar amount and recognizing how much time you have to pursue that goal. Only 14% of American workers say they are “very confident” they will have enough money to live comfortably throughout retirement. 1 To help reduce such uncertainty from [...]
Stay or Roll Over? What to Do With Your Old Retirement Accounts
Having your retirement portfolio in one place can make it easier to track performance, ensure proper asset allocation, and make changes. How many retirement accounts do you have? If you’ve changed jobs a few times over the years, you could have several accounts housed in different employers’ plans. While it is certainly acceptable to leave [...]
How Much of a Mortgage is Affordable?
Remember that additional household expenses such as taxes and utilities are likely to increase over time. With initial foreclosure filings exceeding 200,000 in May 2012, it may be worthwhile to review guidelines for affordable mortgage payments.1 Listed below, these criteria apply to prime mortgages provided by private lenders, so special situations, such as obtaining [...]
Aligning Investing With Your Values
Because socially responsible funds are actively managed, their performance may not mirror the broader market. When building portfolios, certain investors consider their personal values as part of the investment selection process. Sustainable and responsible investment (SRI) accounted for more than $3 trillion in assets under management as of 2010, the latest data available, according to [...]
Strategies for Managing Volatility
When using individual securities, 50 may be needed to diversify an equity portfolio. Investors are exposed to financial risk in two ways: company-specific risk or market risk. Long-term investors can reduce exposure to company-specific risk by diversifying among many different securities within the same asset class.1 Market risk is managed, but not eliminated, by holding [...]
About PPS Advisors
The PPS Advisors Team is led by Larry Passaretti, Managing Director. Larry has over 25 years of financial investment planning experience.
