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Big, Medium, and Small: Spreading the Risk

Big, Medium, and Small: Spreading the Risk

During the five-year period from 2007 to 2011, the total return of the S&P 500 index (representing large-cap stocks) was a disappointing –1.24%, which may not be surprising considering the impact of the Great Recession. On the other hand, the performance of small- and mid-sized company stocks during this period might surprise you: Total returns […]

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QE3: Is the Third Time the Charm?

QE3: Is the Third Time the Charm?

On September 13, the Federal Reserve announced a third round of quantitative easing — dubbed QE3 — aimed at stimulating the still-struggling U.S. economy. In this initiative, the Fed plans to purchase $40 billion in mortgage-backed securities each month until the employment situation shows satisfactory improvement. The central bank also extended “Operation Twist” — an […]

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Adding Exports to Growth Strategies

Adding Exports to Growth Strategies

The share of overall U.S. exports for companies with fewer than 500 employees rose steadily from 27% in 2002 to 34% in 2010. The number of small and midsize enterprises that export also reached a record high of 293,000, and roughly 70% of all exporting companies have 20 or fewer employees.1–2 A relatively weak dollar […]

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Understanding High-Deductible Medical Plans

Understanding High-Deductible Medical Plans

In 2012, total health-care costs for an American family of four covered by an employer-sponsored PPO insurance plan averaged $20,728. Employers contributed $12,144 of the total and employees were responsible for $8,584 (through payroll deductions and out-of-pocket expenditures).1 Rising health-care costs are the main reason that more Americans are finding medical plans with higher deductibles […]

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Having a Backup Plan

Having a Backup Plan

As people work longer, they often carry major financial responsibilities, such as mortgages and college loans, into their later years.1–3 Someone who has high medical expenses or a spouse who no longer works may have to shoulder a heavier load than a younger person. If you’re still working, have you considered what might happen if you […]

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Cost of Early Retirement Plan Withdrawal

Cost of Early Retirement Plan Withdrawal

It’s not a good sign when people raid their retirement plans to pay bills, college tuition, or auto repairs, but more workers have been borrowing from their accounts or taking hardship withdrawals in the past few years. At the end of 2010, 28% of active 401(k) participants had outstanding account loans, and another 7% took […]

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The Risk of a “Flight to Safety”

The Risk of a “Flight to Safety”

As the financial crisis grew in severity from 2006 to 2008, U.S. investors moved more than $1.5 trillion into money market mutual funds as a “flight to safety.” Over the next two years, cash flowed out of these funds almost as quickly as it flowed in when investors rushed to purchase growth-oriented securities in the […]

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Making Your Own Retirement Opportunities

Making Your Own Retirement Opportunities

About two-thirds of small-business owners fear that they are financially unprepared for retirement, yet one-third of small-business owners do not have any type of personal or business-sponsored retirement plan in place.1–2 If you are worried about your retirement prospects, it may be well worth the effort to divert a percentage of your earnings into a […]

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Here Comes Another Earnings Season

Here Comes Another Earnings Season

Publicly traded companies are required to report their financial results to regulators and shareholders on a quarterly basis. Earnings season is the often-turbulent period during which most companies must disclose their successes and failures. An earnings surprise — whether profits come in above or below the stock market’s expectations — can have an immediate effect […]

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