Being a Smart Investor

Here are some important things you need to understand about money. They will be crucial when it comes to investing so you will be financially prepared for retirement.

No matter how much you make or how much you have saved, the big question that most people have trouble answering is: How much do I need to retire comfortably? I have met multimillionaires who struggle with this question - the only difference is that their number might be much larger than ours.

A good rule of thumb that financial planners use is 4% of accumulated assets. Of course, you also have to take into account money in pension plans and social security.

Use the Ballpark Estimate to get an idea of how much you will need. Most people are surprised - don’t let it happen to you.

Are Investments Insured?

Investing for Retirement

Investing in Stocks and Bonds

U.S. Savings Bonds

Index Funds

Mutual Funds



Risk Tolerance


Closed-End Funds


More Information about Investing in Bonds

Callable or Redeemable Bonds

Corporate Bonds

Municipal Bonds

Selling Your Bonds Before Maturity

What if You Are Late in Receiving Your Interest Payments?

Investing in Annuities

Variable Annuities: How Do They Work?

Variable Benefits: Death Benefits

Variable Annuity Charges

Tax-Free 1035 Exchanges

Annuities - Bonus Credits

Annuities - Equity Indexed




What Happens When Companies Go Bankrupt?

How to Buy Stocks

Credit Scores - What if there is a mistake?

After Hours Trading

Closing Price

Warning Signs of Fraud

Reading Financial Statements

Choosing a Financial Advisor

Accredited Investors

Analyst Recommendations

Central Registration Repository

Check Out Your Financial Advisor

Analyzing Analysts Recommendations

Reading Annual Reports