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SOURCE Phil DeMuth
Forbes Contributor Phil DeMuth offers Practical Personal Finance and Investing Tips
NEW YORK, Oct. 29, 2013 /PRNewswire/ -- Best-selling author, Forbes contributor, and renowned financial advisor Phil DeMuth offers advice which teaches how to make your money grow and avoid risky investments. He recently published his first solo endeavor, The Affluent Investor. He's co-authored nine bestselling books with respected economist Ben Stein (including the Yes, You Can series Yes, You Can Get a Financial Life, Still Retire Comfortably, Supercharge Your Portfolio, Time the Market, Become a Successful Income Investor, as well as Can America Survive?) and both the "The Little Book of Alternative Investments and Bulletproof Investing..." investment series).
He cuts through the confusion with solid, simple, user-friendly tools and topics. DeMuth speaks to a wide range of issues such as: The One Question You Must Ask Before You Invest; Is 'Age In Bonds' Dead?; Bonds For The Rising Interest Rate Environment; Rising Interest Rates 101; How to Retire following Warren Buffett's classic investment principles; Do Dividend Investors Have Abnormal Brains?; Bond Alternatives For The Coming Sharknado; and What Is Risk? Everything You Need To Know About The Sortino Ratio.
Full articles are at http://www.forbes.com/sites/phildemuth/
As he says in What Is Risk? Everything You Need To Know About The Sortino Ratio, "Riddle me this: the average baby boomer has what's left of his house plus two sticks of gum, a bus token and some pocket lint to see him through retirement. What should he do? Should he go for broke, investing 100% in stocks in the hope of getting a bigger if still inadequate kitty? Or, should he carefully preserve what little he has, perhaps with an eye toward buying a small annuity when he retires? It all depends on your definition of risk. No one told us this was going to be on the final exam, but there it is."
"Cash - currently loses about 2% a year to inflation, but at least your FDIC-insured dollars should be safe as long as the government is standing. Short-Term Bonds of all stripes offer some hope of pacing inflation. The criteria are: Modest expected positive returns, low correlation to the stock market, and significant portfolio protection in a bear market or, is there nothing like a bond?" as DeMuth states in Bond Alternatives for the Coming Sharknado.
DeMuth speaks about REIT's on Yahoo Finance: Investing in Real Estate without Buying Property http://finance.yahoo.com/blogs/breakout/investing-real-estate-without-buying-property-132429342.html
As DeMuth states, "Those who save will be made to pay for all those who failed to save. This means you need to save even more. You are going to require roughly 25 times your future annual income requirements salted away before you retire. That's $2,500,000 in investments for every $100,000 you want to retire on in pre-tax income (above and beyond Social Security and any pensions). Gathering this many acorns and berries isn't going to be easy and politicians will take every penny they can from you to buy the votes they need to stay in office. Why from you? Because you have it and because they can."
About Phil DeMuth
Both a psychologist and registered investment advisor, Phil DeMuth has written for The Wall Street Journal, Barron's, the Journal of Financial Planning, Human Behavior, Psychology Today, the Louis Rukeyser Newsletter, and is a contributor to forbes.com. His opinions have been quoted in The New York Times, Fortune magazine, Yahoo! Finance, theStreet.com, and On Wall Street. He has been "Profiled for Success" in Research Magazine, more than a hundred other outlets, and seen on TV on CNBC, Forbes on Fox, Fox & Friends, FBN, Bloomberg, Consuelo Mack WEALTHTRACK, and Wall Street Week with Fortune. He is Managing Director of Conservative Wealth Management LLC, a SEC-registered investment advisor to high-net-worth individuals and their families, and foundations. Phil DeMuth is a forbes.com contributor. Full articles can be found at http://www.forbes.com/sites/phildemuth/
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