Making the most of your 401k plan

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I have had the fortunate opportunity to compare many different pension and retirement savings systems around the world, which just as fortunately is a subject I happen to be extremely interested in, and can confidently say that the US 401(k) plan is one of the best retirement savings and asset protection tools I have seen […]

Vanguard Personal Pension Launches in the UK – Best Low-Cost SIPP Provider?

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After much anticipation, I was pleased to notice that Vanguard has finally launched the much awaited Vanguard Personal Pension solution in the UK. This seems to be one of the lowest cost platforms for UK self-invested personal pension (SIPP) plans from the namesake leader in low-cost, world-class index investing. I should add the reminder to […]

Top IRA Mistakes

19 Top IRA Mistakes as of 2019

Posted 1 CommentPosted in Retirement

The US Individual Retirement Arrangement / account (IRA) is one of the world’s simplest, cheapest, most flexible, world-class tax shelters in which to save and invest for retirement. While the individual IRA contribution limits for 2019 have been raised to US$6,000 ($7,000 if you’re age 50 or older), some higher earners find these limits relatively […]

HKMC Annuity provides guaranteed income for life for Hong Kong

HKMC Annuity guarantees fixed income for life – is it a good deal?

Posted Leave a commentPosted in Personal finance, Retirement

This month, HKMC Annuity Limited, a wholly owned subsidiary of the HKSAR Government’s own Hong Kong Mortgage Corporation, closes its first subscription round for the HKMC Annuity policy that promises a guaranteed fixed income for life for Hong Kong permanent residents aged 65 and older.Β  According to the HKMC Annuity plan calculator, a 65 year […]

Passports: Invest your IRA in foreign stocks and bonds

Why now is the time to invest over 50% of your IRA in foreign stocks and US bonds

Posted 1 CommentPosted in Investing, Retirement

After several years of rising US stock prices, I am often asked when the next crash, or at least next big correction, is coming.Β  I believe it is foolish to try and time the market, but I do believe it makes sense to sell out of expensive assets and buy into better value assets (buy […]

Yes, you can own real estate in an IRA, but should you?

Yes, you can own real estate in an IRA, but should you?

Posted Leave a commentPosted in Investing, Retirement

How to buy real estate in an IRA It is actually relatively easy to buy real estate in an IRA.Β  The main step required is to rollover your IRA balance from your old 401k plan or IRA custodian to a “self-directed IRA” with a custodian that focuses on the administration and compliance of self-directed IRAs.Β  […]

How to save $1,000,000 in an IRA by age 59 1/2 with Vanguard and DFA funds

How to save $1,000,000 in an IRA by age 59 1/2 on a few hundred per month

Posted 1 CommentPosted in Investing, Personal finance, Retirement

One of the biggest complaints I hear about US Individual Retirement Accounts (IRAs) is that the maximum contribution limits are too low and not worth the hassle.Β  As an illustration of how saving regularly in an IRA can be very much worth the hassle, I thought it would be worth showing how the low maximum […]

IRA Deadlines for 2018

US IRA Deadlines for 2018

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Spring is here, Easter is this weekend, and April starts next week, which for Americans may all serve as reminders of the April 15th (April 17th in 2018) tax filing deadline for US taxes. Even if you are taking an extension to file your 2017 US tax return, remember that you may still need to […]