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Personal Finance

How to Choose an Online Broker for Your Retirement

June 20, 2017

By Dan Rafter | Money Rates Columnist

Robo advisors are the next big thing to help manage your retirement accounts. But that doesn't mean that you should rely completely on automated investment programs to help grow your retirement funds.

Financial advisors recommend that consumers who want to experiment with self-directing their own retirement accounts considering working with robo advisors for routine trades of low-fee funds.

But advisors say, too, that these consumers should also meet with human financial advisors to review their retirement accounts on a regular basis to make sure that their robo advisors have them on track to meet their financial goals.

It's this combination of automated online brokers and human financial advisors that often provides the best financial results for some investors, say financial advisors.

"I believe that online brokers can be a good option for people who are very in-tune with their finances," says Tony Gentile, a former financial advisor with Elite Wealth Advisors in Sarasota, Florida and now with Largo Real Estate Advisors. "However, and this is a big 'however,' I still encourage those who consider managing their retirement accounts themselves and online to arrange a quarterly meeting with a trusted financial advisor. Having an objective party offer suggestions can help you avoid any potential pitfalls that you might not see coming down the road."

How robo advisor investment programs work

Robo advisors have become popular because they are relatively inexpensive. Most companies offering this service charge fees of 0.15 percent to 0.35 percent of their clients' assets. These clients fill out questionnaires about their financial goals. The robo advisors then invest their clients' funds in certain assets depending on these answers.

Usually, robo advisors invest in low-fee exchange-traded funds, better known as ETFs. Brent Dickerson, owner and certified financial planner with with Trinity Wealth Management in Lubbock, Texas, says that the benefit of investing with a robo advisor is that consumers can invest their retirement funds cheaply and end up with a diversified portfolio.

Cons to using robo advisors to make investment decisions

The downside? Robo advisors are not human beings. And human beings are generally better at helping consumers tweak their savings and investment activities so that they have a better chance of actually living a comfortable retirement, Dickerson said.

"The downside is that it is simply an algorithm processing bits of data," Dickerson says. "You can't ask it questions. You can't customize or personalize it. And it doesn't care what your goals are. Robo advisors simply invest your money at a cost-effective rate."

Elle Kaplan, CEO of New York's LexION Capital Management, agreed, saying that while robo advisors can help provide general guidance for consumers, they can't account for all the complexities that saving for a comfortable retirement can entail.

"A successful retirement involves living comfortably for 20-plus years without any additional income," Kaplan says. "It's not enough to merely start saving. To pull off retirement, you'll need a unique road map and plan that adjusts to your changing goals and needs. This isn't something you'll find from an online broker."

Which investors are a good fit for robo advisors?

Keith Fenstad, a certified financial planner and one of the owners of Tanglewood Wealth Management in Houston, says that a robo advisor can add value to the investor who doesn't know how to begin an investment program and doesn't have the funds available to hire a financial advisor to serve as a guide.

It's better for such individuals to work with a robo advisor than it is for these consumers to do nothing to save for retirement, Fenstad said.

But a robo advisor should not be considered a long-term replacement for working with a trusted financial advisor over a long period of time, Fenstad said.

"When you work with someone face-to-face, it helps instill that discipline in you to stay the course and see the big picture," Fenstad says. "Many times, people will make trades based on emotions. The market might be going through a bear market or a decline."

Fernstand elaborated on what happens when they see the value of their investments decline.

"That weighs on them and they decide to throw in the towel and sell it all. They then completely miss the recovery. If you're working with a financial advisor on a long-term plan, you're less likely to make those emotional decisions that don't fit in a long-term plan."

How to find the right robo advisor for your investments and retirement

Finding the right online broker is not unlike searching for any financial advisor. Dickerson said that it's important to work with an online broker that can trade the products you want cheaply and effectively. You also want to review the fees that this broker will charge in writing so that there aren't any unpleasant surprises.

David Lyon, CEO of Chicago-based Oranj -- a digital practice-management solution for traditional advisors -- said that consumers need to look at their own financial needs to determine whether a robo advisor, traditional financial advisor or a combination of the two makes sense for them.

Some investors are savvy enough to not need advice on creating a financial plan or making smart money decisions. These investors might only need help managing their investment accounts, something that a robo advisor might be able to do for them.

Other investors, though, might need a more comprehensive approach to financial planning. They might need a human financial advisor who can help them create a workable household budget, set up a plan for retirement savings and help them set aside the right amount of money to help fund their children's college educations.

For these investors, meeting regularly with a trusted financial advisor might be the right choice, Lyon said.

"One of the biggest pitfalls of working with a robo advisor is that the personal relationship might be absent from the process," Lyon says. "Financial decisions are emotional. Working either with a virtual advisor or someone whom you don't know as intimately might not be the best choice. Working with advisors who don't know you or who don't really understand your financial goals can leave some value on the table."

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How to Use Online Brokers for Trading Penny Stocks

May 4, 2017

By Richard Barrington | MoneyRates.com Senior Financial Analyst, CFA

Penny stocks and online brokers come from opposite ends of the trading spectrum. Penny stocks are a fairly old-fashioned concept that are bought and sold in over-the-counter markets, while online brokers represent the latest in trading technology. However, it is possible that the two can be used together effectively.

There will always be considerable pitfalls to trading penny stocks. But, the speed and cost-effectiveness of online trading can counter at least some of those pitfalls.

What are penny stocks?

"Penny stock" is a somewhat dated term. It was originally used to refer to stocks trading for less than $1 - i.e., stocks whose prices were measured in pennies rather than dollars. Eventually, due to inflation, the term came to apply to stocks trading for less than $5.

Not all stocks trading for under $5 are considered penny stocks. The term is generally applied only to stocks that are not listed on national exchanges, but rather trade over-the-counter. This is a fairly manual process of matching up buyers and sellers, and it greatly affects how the stocks trade.

Why are penny stocks considered so risky?

Here are some factors that contribute to the risk of penny stocks:

1. Thin trading means volatility

Because penny stocks are not freely traded but rather are only transacted when a buyer can be matched with a seller, prices can take big swings. If a stock has not traded in a while, the listed prices may not represent actual demand for the stock.

2. Commissions take a bigger bite

Commissions represent a higher percentage of smaller trades, and some brokers charge extra for trading penny stocks.

3. Mind the spread

There is often a big difference between what potential buyers are bidding for penny stocks and what sellers are asking. Your return from a stock can depend greatly on which side of the spread the actual trade price ends up being nearer.

4. Don't buy the hype

Thinly-traded stocks are more easily moved by hype, or even out-and-out fraud. Don't believe stories about how a certain little-followed stock is about to take off. Those stories are spread by people who buy these stocks hoping a little hype will get some suckers to buy at higher prices - and you don't want to be one of those suckers.

5. Under the radar can mean under-regulated

Because these stocks have a lower public profile than bigger companies and do not trade on national exchanges, they are likely to receive less regulatory scrutiny. This means "buyer beware" applies especially to these investments.

6. Avoid the "Q"

If a stock's "ticker" or trading symbol has a Q at the end of it, it means the company has filed for bankruptcy. Most investors should steer well clear of this type of damaged goods.

Who should trade in penny stocks?

Penny stocks are for people who understand the risks. This means recognizing the pitfalls described above, and it also means putting these investments in the right context.

For example, if you choose to speculate in penny stocks because of the potential for large short-term price movements, recognize that speculative investments should play a minor role in your overall portfolio. Penny stock investments should not be confused with the type of mainstream stock holdings that should play a role in a long-term retirement portfolio.

Another example of putting penny stocks in the right context is if you use them to buy overlooked companies that you believe are on the rise or ripe for a turnaround. This means doing fundamental research into these companies so that you understand their products, markets, competition and financial condition. It also means verifying that research through independent sources where possible, rather than just relying on promoters who have a vested interest in the stock.

How can online trading help?

If you choose to trade in penny stocks, online trading might help you do so more effectively for two reasons. One is that online brokers often have relatively cheap commission schedules. As noted previously, commissions can take a serious bite out of penny stock returns, but at least some best online brokers are less expensive than their traditional counterparts.

Also, the speed of online trading can help you execute buy and sell decisions in a timely manner, which is especially important in a market often marked by rapid price changes.

The bottom line is that trading in penny stocks is a highly speculative strategy that is not for the faint of heart. Online trading can help make the process a little more efficient, but it cannot eliminate all the risks associated with penny stocks.

5 Perks of Health Savings Accounts to Keep Financially Fit

February 22, 2017

By Dan Rafter | Money Rates Columnist

Do you have a health savings account? The odds are high that you have no real idea of how it works.

An Alegeus Technologies study found more than 70 percent of consumers who have health savings accounts can't pass a basic proficiency quiz on how these accounts work.

Respondents often believed they'd lose money in their accounts if they didn't spend it each year. Others thought they could only use the accounts to pay for co-payments when they visit a doctor. Both assumptions are incorrect.

"Health savings accounts are one of the best-kept secrets for consumers," says Steve Auerbach, health insurance expert and Alegeus CEO. "There is a lot of potential for people to get better value out of these accounts."

Want to get the maximum benefit out of your health savings account, also known as HSA?

Here are five benefits of a health savings account:

5 Perks of Health Savings Accounts

1. It's like a 401(k) plan

You contribute to a health savings account much like you would a 401(k) retirement savings plan. Your employer removes a certain amount of dollars from each of your paychecks and funnels them into your account. In 2017, you can contribute a maximum of $3,400 for the year if you are the holder of an individual health savings account. If you are contributing to an account that is serving your entire family, you can contribute a maximum of $6,750 this year.

Health savings accounts come with a catch-up provision, too: You can contribute $1,000 over the annual limit each year if you are 55 or older.

If your employer doesn't offer this type of account for health care expenses, you can still contribute to one. You'll just have to shop private insurers to find a plan.

2. You'll pay less in premiums (via required high-deductible health insurance)

You can only contribute to an HSA if you have what is known as a high-deductible health-insurance policy. In 2017, this meant that your annual deductible had to be $1,300 for single account holders and $2,600 for account holders who wanted to cover a spouse or entire family.

In such plans, you are responsible for paying the annual deductible before your health insurance kicks in and starts covering the rest of your medical costs. For example, if you have a family, you'd need to spend $2,600 in health care costs during this year before your insurance would kick in to help cover your health care expenses for the rest of the year. You would use the dollars saved in your account to cover your deductible.

Advantage of lower premiums

That doesn't sound good, but there is a big advantage to high-deductible health-insurance policies: They come with lower premiums. During those years when you have lower medical bills, you might pay less than you would with a higher-premium traditional health insurance policy.

Chad Parks, CEO and founder of Ubiquity Retirement + Savings, says consumers shouldn't let the high deductibles scare them away from the combination of a health savings account and high-deductible plan. He has his own account, and says that he spends less than he would with a higher-premium health insurance policy.

"With a traditional plan, I knew for sure that I would spend $1,200 a month in premiums," Parks says. "That is gone every month, and will cover me if I have a medical problem. But only if I use medical services will I get a benefit. With the HSA and high-deductible plan, I would pay a lot less in premiums every year. It turned out I'd pay less with the HSA option. That made signing up for one a no-brainer."

3. The money in a health savings account rolls over

Many consumers worry that if they don't spend all the money in their health savings accounts every year, those dollars will disappear. This is one of the biggest misconceptions that consumers have about these accounts.

"This is not a use-it or lose-it proposition," says Rebecca Palm, chief strategy officer and cofounder of CoPatient. "Other accounts like flexible spending accounts do operate that way. If you don't use your money, you lose it every year. People get nervous that this will happen with an HSA. They shouldn't. That money does roll over."

If you end the year with $700 left in your HSA, that money rolls over and remains in your account.

4. This money can grow and earn interest

The money in your account can grow in other ways, too. First, you'll earn interest on the dollars in your account, which, depending on how large your accounts grow, could result in a nice chunk of change each year.

But many health savings plans also offer consumers the opportunity to invest the funds in their accounts into a number of investment vehicles. This works pretty much the same way that 401(k) plans work: You'll have the option to invest your health savings plan dollars into a number of mutual funds. This gives people with high-deductible insurance plans another way to invest in the stock market.

Of course, there is risk in this. Just like with your 401(k) plan, if your mutual funds perform poorly, you could see the value of your health savings dip.

5. There are triple the tax savings involved

Health savings plans come with some impressive tax benefits. In fact, financial pros say these accounts have a triple-tax advantage. The money you put into a health savings account is not taxed. So, if you deposit $6,000 into an account in a year, that money is no longer considered taxable income, which could save you some decent tax dollars April 18.

The earnings, interest and investment returns your dollars generate while in a health savings account are also tax-free.

Finally, if you withdraw money from your account for qualified medical expenses, you aren't charged taxes, either. And qualified medical expenses include more than you might think. Yes, it includes co-payments and prescription drugs. But you can also withdraw money from your account tax-free to cover dental visits, vision screenings and even over-the-counter medications.

Financial penalties using health savings accounts

If you withdraw money from your health savings plan for non-medical expenses, you will have to pay taxes. You'll also face a penalty of 20 percent if you do this before you reach the age of 65. Once you've hit 65, you'll still have to pay taxes when you withdraw funds from your account for non-medical reasons, but you won't be hit with an additional penalty.

John Inhouse, market executive with the Atlanta office of Merrill Lynch, says he expects more consumers to sign up for health savings accounts as they learn more about the tax and other benefits of these accounts.

"Right now, I think it's just a simple lack of understanding that is keeping more people from signing up for HSAs," Inhouse says. "Employers need to do a better job of educating their employees about these plans. They have to show them that these plans are a great way to put money aside."

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Financial Planners' Keys to a Happy Retirement

February 10, 2017

By Dan Rafter | Money Rates Columnist

You want to boost the money you are stashing away for your retirement years. But now you face tough choices: Should you invest in a traditional individual retirement account (IRA)? How about a Roth IRA?

There are so many types of investment vehicles, choosing the right one for your retirement savings can seem overwhelming. But here's a tip from financial advisors: Don't focus so much on the savings accounts and investment options available to you. Instead, focus on setting goals for your own retirement. Then determine how much money you'll need to meet those goals.

This kind of retirement planning is the most important step in securing happy golden years, these financial pros say.

"What investment vehicle you save in is much less important than determining if your current level of saving and spending are going to allow you to achieve the goals you've set out," says Neal Slafsky, managing director at United Capital in Fort Lauderdale, Florida. "I can't talk about the savings vehicles until I first understand the direction that my clients want to go. There's no point in getting in the car and having no destination in mind."

The point here? Before you start worrying about the differences between Roth and traditional IRAs, you need to determine what kind of retirement you want and how much money you'll need to get it.

Review current spending and saving habits

Everyone wants a happy retirement. And many believe that simply choosing the right mix of annuities, IRAs, stock market picks and life insurance investments will get them there.

But the real trick in saving for retirement is to start planning out those after-work years as early as possible.

Alex Navarro, senior vice president and private financial advisor at SunTrust Investment Services in Miami, says that he first advises his clients to look at their current spending and saving behaviors. Are the actions they are taking today getting them closer to their retirement goals? Or are they putting those goals in jeopardy?

If it's the latter, Navarro works with his clients to determine what changes they can make in how they spend and save.

"To plan for retirement, you need to look at your behavior today," Navarro says. "Then you need to take the appropriate actions that will put you into a situation where you are able to save for retirement."

Take every opportunity to maximize contributions to 401(k) plans

Mary Ellen Garrett, senior vice president of wealth management with the Atlanta office of Merrill Lynch, says some people are not maximizing the contributions they are making every two weeks to their company's 401(k) program. This is another example of current behaviors that do not push retirement savers toward their targets.

To get closer to your retirement goal, you'll need to boost the amount of money you are automatically depositing into your 401(k) account, Garrett suggests.

"The first thing people should look at is what is already available to them," Garrett says. "If they are working for a company that provides a retirement plan, they should take full advantage of that first before they invest in any other retirement savings vehicles. If your company offers a 401(k), it will typically offer some type of matching plan. If you are not taking advantage of that, you are walking away from a great savings tool."

Use a retirement savings calculator

So, how much money do you need to save to have a happy retirement? Not surprisingly, the answer to this depends largely on the type of retirement you want to live.

The 2016 Retirement Confidence Survey by the Employee Benefits Research Institute found workers cite a wide range of figures when saying how much money they'll need in retirement. About 24 percent of workers, for example, told the institute that they think they'll need at least $1 million after calculating how much for retirement to save. Almost two-thirds of employees said they'd need to have less than $1 million saved by retirement.

The study also highlights the differences in confidence for retirement depending on whether workers performed a calculation of how much to save for retirement. Of those who said they were very confident about their ability to have a comfortable retirement, 30 percent crunched the numbers for retirement while 13 percent who had a similar confidence level did not.

Using a retirement savings calculator to estimate their needs after leaving the workforce could better prepare workers for their golden years.

How much to save for retirement investments

What's the right number? One rule of thumb is that you should have a retirement portfolio. Use whatever combination of savings, stocks, annuities, pensions, Social Security payments and other income streams you can muster. Ensure this will allow you to generate 80 percent of your current income every year. If you make $100,000 a year, then, you'll need a retirement portfolio that generates $80,000 in income every year.

Match post-work goals and lifestyle to retirement savings targets

But these retirement savings targets are just an estimate. Depending on your retirement goals, you might not need that much money in your retirement years. It all comes down to what you want to do after you leave the working world.

If you want to travel extensively, you'll need to save plenty of money. If you just want to play golf and spend time with your grandchildren, you can get by with a smaller amount of savings.

The key is to be realistic about what kind of retirement you can have based on your current income stream and the amount of money you've already saved. You might not be able to afford those yearly cruises that fuel your retirement dreams.

Navarro points out some negative outcomes as a result of retirees living outside of their means.

"I'm not a magician. I'm a financial planner," Navarro says. "I have had situations where people have continued living the lifestyles of the rich and famous without worrying about how much money they had left. Then the money ran out and they had to live the lifestyle of Purina cat chow. They were not mature enough to take the proper action at the right time. It's like watching a train wreck. My job is to advise them. Some people choose not to listen."

The above scenario highlights the need to not only have retirement savings goals, but also spending targets that are in line with their savings accounts in addition to their desired lifestyle.

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How to Recover from the 3 Biggest Credit Score Busters

January 31, 2017

By Dan Rafter | Money Rates Columnist

You lost your job and could no longer afford your monthly mortgage payments. You stopped making them and lost your home to foreclosure. Maybe you've made so many financial missteps that you filed for either Chapter 13 or Chapter 7 bankruptcy protection to get a fresh start.

These are big financial disasters. Each will send your credit score plummeting by 100 points or more. And don't expect to qualify for credit cards, a mortgage loan or auto financing anytime soon.

3 Biggest Credit Busters: foreclosure (short sale), bankruptcies

3 Biggest Credit Busters

There is hope, though. It is possible to recover from each of these three financial disasters. It just takes time and good financial habits to boost your credit score and become an attractive borrower once again.

"A lot of times people say that they can't do anything for seven or 10 years after a foreclosure or bankruptcy," says Chris Copley, who has worked as a regional manager for TD Bank. "That's not necessarily true. If you take the steps to rebuild your credit, you might be able to get a credit card or even a mortgage loan before that seven- or 10-year period is up. Don't fall into that trap of thinking that there's nothing you can do."

Foreclosure and short sale

If you began falling behind on your mortgage payments, you may have sold your home through a short sale, a type of home sale in which your lender allows you to sell your residence for less than what you owe on your mortgage loan. Having such a sale on your credit report marks you as a high credit risk, and a far less attractive borrower to lenders.

Losing a home to foreclosure or selling a home through a short sale is a serious blow to your credit, and will send most consumers' scores falling by more than 100 points. Even worse, both a foreclosure and short sale remain on your credit report for seven years.

Chapter 13 bankruptcy

Bankruptcy filings stay on your credit report for a long time, too. If you file for Chapter 13 bankruptcy protection, in which a judge creates a payment schedule that allows you to pay back at least a portion of your debts, your bankruptcy filing will stay on your credit report for seven years before falling off.

Chapter 7 bankruptcy

If you file for Chapter 7 bankruptcy protection instead, this filing will remain on your credit report for 10 years. Under this form of bankruptcy you'll have to sell most of your assets to pay back what you can. The debt that you still can't afford to pay back is erased.

How to Rebuild Your Credit Score After Financial Disasters

But this doesn't mean that you won't be able to qualify for a loan or credit card for a full seven years. The more years that pile up between you and your foreclosure, the less impact a foreclosure has on your three-digit credit score. In year six, your foreclosure will remain on your credit report, but it won't exert the same downward pull on your score.

Make on-time bill payments

After a foreclosure or similar credit-busting incident, avoid being late on bills, eliminate as much of your credit card debt as possible and keep the balances low on your credit cards. If you practice these sound habits, your score will slowly -- but steadily -- rise after a foreclosure.

"Pay all your bills on time. That is the most important thing you can do," says Patrick Simasko of Simasko Law Offices in Mt. Clemens, Michigan. "Don't throw in the towel. Don't think the hole is too deep to dig out of. You can dig out of it. You just have to be fiscally responsible from that point on."

Wait until you can apply for another mortgage loan

Even if you rebuild your credit score and grow your savings account for a down payment, though, you will have to be patient if you want to qualify for a mortgage.

Applying for a mortgage after foreclosure

You'll have to wait at least seven years after a foreclosure before applying for a conventional loan backed by Fannie Mae and Freddie Mac. But you can qualify for a mortgage backed by the U.S. Federal Housing Administration, better known as an FHA loan, as soon as one year after a foreclosure if you can prove that you fell behind on your mortgage payments because of an economic event outside of your control, such as a job loss. If you can't prove this, you can still apply for an FHA-insured mortgage just three years after a foreclosure.

Getting a mortgage after bankruptcy

If you want to apply for a mortgage loan after bankruptcy, you'll also need to wait. If you want to apply for a conventional mortgage backed by Fannie Mae or Freddie Mac, you'll need to wait at least four years if you filed for Chapter 7 bankruptcy and two if you filed under Chapter 13. For an FHA loan, you'll need to wait two years after Chapter 7 bankruptcy. You can qualify for an FHA loan after you have made at least 12 months of on-time Chapter 13 payments.

Lower credit card debt

If you want to apply for a new credit card or auto loan, you won't have to wait as long as for a home mortgage. You'll simply have to build up your credit score over time by never making another late payment and reducing your credit card debt. Depending upon how low your score fell, you might have to practice these good financial habits for a year or more before you start to see any improvement in your score.

Just as with foreclosure, the negative impact of bankruptcy filings lessens over time. Again, you'll need to pay your bills on time and keep your credit card debt low to see your credit score slowly rise as the years pile up after your filing.

Show you can handle new credit responsibly

You want to reduce your current credit card debt to a manageable level, but what if you want to apply for a credit card? This is probably a good idea, if you can handle this new credit. Once you get a credit card, you can begin making charges each month. Pay off your full balance each month on time. If you do this for a long enough period of time, your credit score will steadily rise.

Look into a secured credit card

Don't expect to qualify for a premium credit card with a low interest rate when a bankruptcy filing is still on your credit report. Instead, Simasko recommends that you apply for a secured credit card. To do this, you'll need to make a cash deposit in an account tied to the card. Your credit limit is set based on the amount of your money in that account. This provides protection for the financial institution giving you a card. If you don't make your payments, the bank behind your card can simply take the money out of your security account.

Banks do, though, report payments on secured credit cards to the three national credit bureaus of Experian, TransUnion and Equifax. Make these payments on time each month and you'll improve your credit score.

Diversify credit types and prove you're a low risk

Another way to raise your financial standing is to diversify the types of credit you have on your credit report, such as an auto loan. You can still qualify for an auto loan as long as you show that you can afford the monthly payments. Prove your ability to pay with copies of your most recent paycheck stubs, bank-account statements and W-2 forms. But do expect to pay higher interest rates. Charging these higher rates provides some protection to lenders who are taking on more risk by loaning you money.

"You are going to have to wait for a while after one of these financial issues to apply for new credit or debt," Copley says. "But just because you filed for bankruptcy doesn't mean that you can never become a fiscally responsible consumer. You can. You just have to make it a habit to pay your bills on time. Do that long enough, and banks and lenders will work with you again."

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