A disability insurance policy provides income protection in the case of disability or illness. Most people insure their home, car, health and life, yet many neglect to insure their earning power, or human capital. The odds of suffering a long-term disability is several times greater than the odds of death. The average 40-year-old has a 45 percent chance of becoming disabled for three months or longer before reaching age 65.
Q: Can you explain how TIPS work and, given widely-reported negative yields, should we be worried about their future performance?
Vanguard recently announced they will be changing the index benchmarks tracked by several of their exchange-traded funds (ETFs). The changes, which will occur gradually, are being made to reduce internal fund costs, thus increasing the amount of returns which ends up in investors’ pockets
Q: How do exchange rates impact international stock returns?
Q: What’s your take on Employee Stock Purchase Plans? I have an opportunity to participate in my company’s ESPP, but don’t quite know the details of how they work. Should I participate?
Q: With the recent news that one of the world’s highest-profile bond managers eliminated his fund’s exposure to U.S. Treasury bonds, should we be selling our Treasuries, too? Do other types of bonds now offer better return opportunities?