Today's investor faces money challenges that were unimaginable just a few short years ago. How can you meet the demands of housing, college savings, retirement, and other financial goals without spending all of your spare time focused on them? Christine Benz, Director of Personal Finance for Morningstar, gives you the tools for tackling your money challenges with this practical guide. Morningstar's 30-Minute Money Solutions provides investors at all life stages with an effective road map to getting their financial affairs in order by breaking the process down into short, manageable 30-Minute…mehr
Today's investor faces money challenges that were unimaginable just a few short years ago. How can you meet the demands of housing, college savings, retirement, and other financial goals without spending all of your spare time focused on them? Christine Benz, Director of Personal Finance for Morningstar, gives you the tools for tackling your money challenges with this practical guide. Morningstar's 30-Minute Money Solutions provides investors at all life stages with an effective road map to getting their financial affairs in order by breaking the process down into short, manageable 30-Minute steps. To keep your finances on track, you'll also receive access to an exclusive Web site where you can download worksheets, use financial calculators, find additional money-related articles, and view up-to-date lists of the best investments for your portfolio. Written in a straightforward and easy-to-follow style, this reliable resource: * Lays out the tools to get organized, including setting up a system for tracking your money and important financial documents, setting financial goals, and developing a budget and financial plan * Shows you how to match the right investments to your goals--whether you're making your first investment or have an established portfolio of securities--using time-tested investment strategies and Morningstar insights * Coaches you on how to tend to other important financial tasks, such as estate planning and managing taxes Read Morningstar's 30-Minute Money Solutions in its entirety for a comprehensive money plan, or read select chapters to meet specific challenges, such as saving for college or reviving an ailing retirement plan. It's the ideal money guide for both new and experienced investors from the most trusted name in investment research, Morningstar.Hinweis: Dieser Artikel kann nur an eine deutsche Lieferadresse ausgeliefert werden.
CHRISTINE BENZ is Director of Personal Finance for Morningstar. She is also editor of the monthly newsletter Morningstar® PracticalFinance and writes a weekly column on Morningstar's popular Web site, Morningstar.com. Benz is coauthor of Morningstar® Guide to Mutual Funds: 5-Star Strategies for Success and is author of the book's second edition. Before assuming her current role in 2008, Benz served as Morningstar's director of mutual fund analysis. She has also served as editor of Morningstar® FundInvestor(TM), a monthly newsletter for individual investors. Benz has been widely quoted in print and online media, and has made numerous appearances on national radio and television shows. For more information, visit the 30-Minute Solution Resource Center online at www.morningstar.com/goto/30MinuteSolutions.
Inhaltsangabe
Foreword xi Preface xiii Acknowledgments xix Part one: Find your baseline 1 Chapter 1: Calculate Your Net Worth 5 Chapter 2: See Where Your Money Goes 11 Chapter 3: Set Your Financial Goals 17 Chapter 4: Create a Budget 23 Part two: Get organized 29 Chapter 5: Create a Bill-Paying System 33 Chapter 6: Create a Filing System 37 Chapter 7: Create a Master Directory 43 Part three: Find the best use of your money 47 Chapter 8: Determine Whether to Pay Down Debt or Invest 51 Chapter 9: Decide Where to Invest for Retirement 59 Part four: Get started in investing 65 Chapter 10: Create an Emergency Fund 69 Chapter 11: Find the Right Stock/Bond Mix 75 Chapter 12: Create an Investment Policy Statement 81 Chapter 13: Invest for Short- and Intermediate-Term Goals 89 Chapter 14: Create a Hands-Off Long-Term Portfolio 97 Part five: Invest in your company retirement plan 105 Chapter 15: Determine How Good Your Company Retirement Plan is 109 Chapter 16: Decide between a Traditional and Roth 401(k) 117 Chapter 17: Select the Best Investments for Your Company Retirement Plan 125 Chapter 18: Make the Most of a Subpar 401(k) Plan 131 Part six: Invest in an IRA 137 Chapter 19: Determine What Type of IRA is Best for You 143 Chapter 20: Identify the Best Investments for Your IRA 147 Chapter 21: Determine Whether to Convert Your IRA 155 Chapter 22: Roll Over Your Retirement Plan into an IRA 163 Part seven: Invest for college 169 Chapter 23: Find the Right College Savings Vehicle 173 Chapter 24: Find the Right 529 Plan 181 Chapter 25: Select the Right Investments for Your College Savings Plan 187 Part eight: Invest in your taxable account 197 Chapter 26: Identify the Best Investments for Taxable Accounts 201 Chapter 27: Manage Your Portfolio for Tax Efficiency 209 Chapter 28: Harvest Tax Losses 215 Part nine: Invest during retirement 223 Chapter 29: Determine Your Portfolio Withdrawal Rate 227 Chapter 30: Build an In-Retirement Portfolio 233 Chapter 31: Find the Right Sequence of In-Retirement Withdrawals 241 Part ten: Monitor your investments 245 Chapter 32: Conduct a Portfolio Checkup 249 Chapter 33: Rebalance Your Portfolio 257 Part eleven: Cover your bases on estate planning 263 Chapter 34: Get Started on Your Estate Plan 269 Chapter 35: Handle Beneficiary Designations 275 Chapter 36: Create a Personal Legacy 281 About the author 285 Index 287
Foreword xi Preface xiii Acknowledgments xix Part one: Find your baseline 1 Chapter 1: Calculate Your Net Worth 5 Chapter 2: See Where Your Money Goes 11 Chapter 3: Set Your Financial Goals 17 Chapter 4: Create a Budget 23 Part two: Get organized 29 Chapter 5: Create a Bill-Paying System 33 Chapter 6: Create a Filing System 37 Chapter 7: Create a Master Directory 43 Part three: Find the best use of your money 47 Chapter 8: Determine Whether to Pay Down Debt or Invest 51 Chapter 9: Decide Where to Invest for Retirement 59 Part four: Get started in investing 65 Chapter 10: Create an Emergency Fund 69 Chapter 11: Find the Right Stock/Bond Mix 75 Chapter 12: Create an Investment Policy Statement 81 Chapter 13: Invest for Short- and Intermediate-Term Goals 89 Chapter 14: Create a Hands-Off Long-Term Portfolio 97 Part five: Invest in your company retirement plan 105 Chapter 15: Determine How Good Your Company Retirement Plan is 109 Chapter 16: Decide between a Traditional and Roth 401(k) 117 Chapter 17: Select the Best Investments for Your Company Retirement Plan 125 Chapter 18: Make the Most of a Subpar 401(k) Plan 131 Part six: Invest in an IRA 137 Chapter 19: Determine What Type of IRA is Best for You 143 Chapter 20: Identify the Best Investments for Your IRA 147 Chapter 21: Determine Whether to Convert Your IRA 155 Chapter 22: Roll Over Your Retirement Plan into an IRA 163 Part seven: Invest for college 169 Chapter 23: Find the Right College Savings Vehicle 173 Chapter 24: Find the Right 529 Plan 181 Chapter 25: Select the Right Investments for Your College Savings Plan 187 Part eight: Invest in your taxable account 197 Chapter 26: Identify the Best Investments for Taxable Accounts 201 Chapter 27: Manage Your Portfolio for Tax Efficiency 209 Chapter 28: Harvest Tax Losses 215 Part nine: Invest during retirement 223 Chapter 29: Determine Your Portfolio Withdrawal Rate 227 Chapter 30: Build an In-Retirement Portfolio 233 Chapter 31: Find the Right Sequence of In-Retirement Withdrawals 241 Part ten: Monitor your investments 245 Chapter 32: Conduct a Portfolio Checkup 249 Chapter 33: Rebalance Your Portfolio 257 Part eleven: Cover your bases on estate planning 263 Chapter 34: Get Started on Your Estate Plan 269 Chapter 35: Handle Beneficiary Designations 275 Chapter 36: Create a Personal Legacy 281 About the author 285 Index 287
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