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SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SEARCHING FOR AN ALTERNATIVE TO AARP? HERE ARE 6 OPTIONSSEE MORE ON SOUNDMINDINVESTING.COM SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some BALANCING INFLATION FEARS WITH MARKET REALITIES As emergency measures designed to weather the COVID lockdown have morphed into seemingly permanent new policies, concerns over the potentially inflationary implications have skyrocketed. If we have entered a new inflationary regime, there will be significant implications for the way investors construct their portfolios. We examine the current inflation evidence and discuss how SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SEARCHING FOR AN ALTERNATIVE TO AARP? HERE ARE 6 OPTIONSSEE MORE ON SOUNDMINDINVESTING.COM WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact UsSMI RESOURCES
A Kingdom Perspective. This report focuses on laying a biblical foundation for successful investing, including seven key principles related to investing "for the glory of God." Also discussed are four God-given "boundaries" for protecting wealth and helping it grow.Download Report.
TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how MONEY ROUNDUP: WHETHER RISING INFLATION WILL BE TEMPORARY Some of the best investing and personal finance articles from around the web. U.S. consumer prices soar again and push CPI inflation rate to 13-year high (MarkeWatch). The Fed believes it’s temporary, tied mostly to near-term supply shortages. Why interest rates have to stay low for a very long time (A Wealth of Common Sense). “The bond market doesn’t seem to care HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. HOW TO CALCULATE YOUR PORTFOLIO’S RATE OF RETURN In step 7, the adjusted beginning balance is subtracted from the adjusted ending balance in order to measure how much the account has gained or lost in dollar terms. Steps 8 through 10 compute an approximate average monthly balance, and step 11 gives you the gain or loss in percentage terms — in this case, a gain of 16.6%. SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some BALANCING INFLATION FEARS WITH MARKET REALITIES As emergency measures designed to weather the COVID lockdown have morphed into seemingly permanent new policies, concerns over the potentially inflationary implications have skyrocketed. If we have entered a new inflationary regime, there will be significant implications for the way investors construct their portfolios. We examine the current inflation evidence and discuss how SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one-time fee AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SEARCHING FOR AN ALTERNATIVE TO AARP? HERE ARE 6 OPTIONSSEE MORE ON SOUNDMINDINVESTING.COM SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some BALANCING INFLATION FEARS WITH MARKET REALITIES As emergency measures designed to weather the COVID lockdown have morphed into seemingly permanent new policies, concerns over the potentially inflationary implications have skyrocketed. If we have entered a new inflationary regime, there will be significant implications for the way investors construct their portfolios. We examine the current inflation evidence and discuss how SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one-time fee AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SEARCHING FOR AN ALTERNATIVE TO AARP? HERE ARE 6 OPTIONSSEE MORE ON SOUNDMINDINVESTING.COM WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact UsSMI RESOURCES
A Kingdom Perspective. This report focuses on laying a biblical foundation for successful investing, including seven key principles related to investing "for the glory of God." Also discussed are four God-given "boundaries" for protecting wealth and helping it grow.Download Report.
TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how MONEY ROUNDUP: WHETHER RISING INFLATION WILL BE TEMPORARY Some of the best investing and personal finance articles from around the web. U.S. consumer prices soar again and push CPI inflation rate to 13-year high (MarkeWatch). The Fed believes it’s temporary, tied mostly to near-term supply shortages. Why interest rates have to stay low for a very long time (A Wealth of Common Sense). “The bond market doesn’t seem to care HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. HOW TO CALCULATE YOUR PORTFOLIO’S RATE OF RETURN In step 7, the adjusted beginning balance is subtracted from the adjusted ending balance in order to measure how much the account has gained or lost in dollar terms. Steps 8 through 10 compute an approximate average monthly balance, and step 11 gives you the gain or loss in percentage terms — in this case, a gain of 16.6%. SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. This report ranks funds according to their risk characteristics, presenting the data in a user-friendly format unlike that of any other publication. HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in MONEY ROUNDUP: WHETHER RISING INFLATION WILL BE TEMPORARY Some of the best investing and personal finance articles from around the web. U.S. consumer prices soar again and push CPI inflation rate to 13-year high (MarkeWatch). The Fed believes it’s temporary, tied mostly to near-term supply shortages. Why interest rates have to stay low for a very long time (A Wealth of Common Sense). “The bond market doesn’t seem to care I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured HOW TO CALCULATE YOUR PORTFOLIO’S RATE OF RETURN In step 7, the adjusted beginning balance is subtracted from the adjusted ending balance in order to measure how much the account has gained or lost in dollar terms. Steps 8 through 10 compute an approximate average monthly balance, and step 11 gives you the gain or loss in percentage terms — in this case, a gain of 16.6%. SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email SHOULD YOU INVEST USING A TAXABLE ACCOUNT? Most investors focus initially on tax-advantaged retirement accounts, such as IRAs and 401(k)s—and rightfully so, because these accounts provide substantial tax benefits. Most SMI readers also have a taxable emergency savings account. But between an IRA/401(k) and a savings account lies the world of taxable investment accounts. AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. This report ranks funds according to their risk characteristics, presenting the data in a user-friendly format unlike that of any other publication. HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in MONEY ROUNDUP: WHETHER RISING INFLATION WILL BE TEMPORARY Some of the best investing and personal finance articles from around the web. U.S. consumer prices soar again and push CPI inflation rate to 13-year high (MarkeWatch). The Fed believes it’s temporary, tied mostly to near-term supply shortages. Why interest rates have to stay low for a very long time (A Wealth of Common Sense). “The bond market doesn’t seem to care I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured HOW TO CALCULATE YOUR PORTFOLIO’S RATE OF RETURN In step 7, the adjusted beginning balance is subtracted from the adjusted ending balance in order to measure how much the account has gained or lost in dollar terms. Steps 8 through 10 compute an approximate average monthly balance, and step 11 gives you the gain or loss in percentage terms — in this case, a gain of 16.6%. SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact UsMAY 2021 SIGHTINGS
Currently, ordinary income such as wages or business profits is taxed at a top rate of 37%, while capital gains have a top rate of 20%. Both types of income are potentially subject to another 3.8%, either in payroll or investment taxes. That yields combined rates today of 40.8% on wages and 23.8% on capital gains, plus state taxes HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact UsMAY 2021 SIGHTINGS
Currently, ordinary income such as wages or business profits is taxed at a top rate of 37%, while capital gains have a top rate of 20%. Both types of income are potentially subject to another 3.8%, either in payroll or investment taxes. That yields combined rates today of 40.8% on wages and 23.8% on capital gains, plus state taxes HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the | ARTICLES | SOUND MIND INVESTING As we head into June, it's an opportune time to take stock of the market's big picture themes. We'll be at the 2021 halfway point before we know it, so here's a quick PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. This report ranks funds according to their risk characteristics, presenting the data in a user-friendly format unlike that of any other publication. HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds LIVING WITH ETERNITY IN VIEW [The Navigating Your Finances God's Way small group study by Howard Dayton of Compass – finances God's way is designed to "equip people to faithfully apply God's financial principles so they may know Christ more intimately, be free to serve Him, and help fund the Great Commission." I can attest to its power to transform lives, as I've led the study in my own home. CHOOSING THE RIGHT TYPE OF ORDER FOR YOUR ETF TRADES Over the past two decades, ETFs (exchange-traded funds) have grown from “tiny upstart” to the fund industry’s dominant force. Each of the past several years has seen a net outflow of money from traditional mutual funds and a corresponding inflow to ETFs. This shift has been reflected in the SMI strategies, which increasingly utilize these ETFs that act like mutual funds HOW TO VIEW ALL OF YOUR ACCOUNTS AS ONE PORTFOLIO The cover article in the Sound Mind Investing April newsletter showed how to manage multiple investment accounts (i.e., an IRA or two, a 401(k) account, etc) as a single portfolio. The premise is that doing so simplifies your investment life by requiring fewer trades, which also lowers your trading costs. An essential part of that approach is being able to view all of your accounts as one THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a typically one-time SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the | ARTICLES | SOUND MIND INVESTING As we head into June, it's an opportune time to take stock of the market's big picture themes. We'll be at the 2021 halfway point before we know it, so here's a quick PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some | ARTICLES | SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence.MAY 2021 SIGHTINGS
Currently, ordinary income such as wages or business profits is taxed at a top rate of 37%, while capital gains have a top rate of 20%. Both types of income are potentially subject to another 3.8%, either in payroll or investment taxes. That yields combined rates today of 40.8% on wages and 23.8% on capital gains, plus state taxes FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. This report ranks funds according to their risk characteristics, presenting the data in a user-friendly format unlike that of any other publication. GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Core Strategy. This core portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us FINANCIAL WISDOM FOR LIVING WELL At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implementwith confidence.
SOUND MIND INVESTING Risk Tolerance Quiz. Our risk tolerance quiz — only 10 questions — is crucial in helping you identify your personality as it relates to risk. Each person is different and these questions will help you discover just how much risk you are comfortable with. After you figure out your Risk Tolerance, you're ready to Determine Your AssetAllocation.
SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINS Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney TAXES | ARTICLES | SOUND MIND INVESTING Commodities & Taxes. January 20, 2021. Mark Biller. SMI's newly recommended commodities exposure is off to a great start in 2021, gaining +4.4% so far this year (through the close on January 19). That's considerably better than the +1.28% gain the | ARTICLES | SOUND MIND INVESTING As we head into June, it's an opportune time to take stock of the market's big picture themes. We'll be at the 2021 halfway point before we know it, so here's a quick PREDICTIVE ABILITY IS OVERRATED One of the central tenets of SMI's investment philosophy is that trying to predict what the market will do next is a fool's errand. While there are a host of "gurus" who have become famous based on a particular market prediction they made, there are very few (if any) that have a consistent track record of making such calls. From time to time, we've run articles pointing out how HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some | ARTICLES | SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence.MAY 2021 SIGHTINGS
Currently, ordinary income such as wages or business profits is taxed at a top rate of 37%, while capital gains have a top rate of 20%. Both types of income are potentially subject to another 3.8%, either in payroll or investment taxes. That yields combined rates today of 40.8% on wages and 23.8% on capital gains, plus state taxes FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. This report ranks funds according to their risk characteristics, presenting the data in a user-friendly format unlike that of any other publication. GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds HOW TO WRITE AN INVESTMENT PLAN One of the best steps to minimize the impact of emotion in investing is to develop a written investment plan. If your plan is: (1) based on sound investing principles, (2) written when you are in an objective, level-headed mood, (3) tailored to your specific circumstances and goals, and (4) if you're married, developed with the input and buy-in SMI - FINANCIAL WISDOM FOR LIVING WELL. Objective, proven, market-beating, Biblically based investing strategies. Provide for your family and support God's work. This is Christian Investing. WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINSTAXATION OF MUTUAL FUND DISTRIBUTIONSCAPITAL GAINS TAX ON MUTUAL FUND SALECAPITAL GAINS ON MUTUAL FUNDMUTUAL FUND GAINS TAXABLETAX ON MUTUAL FUND SALETAX ON MUTUAL FUND WITHDRAWAL Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Objective, proven, market-beating, Biblically based investing strategies. Provide for your family and support God's work. This is Christian Investing. WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINSTAXATION OF MUTUAL FUND DISTRIBUTIONSCAPITAL GAINS TAX ON MUTUAL FUND SALECAPITAL GAINS ON MUTUAL FUNDMUTUAL FUND GAINS TAXABLETAX ON MUTUAL FUND SALETAX ON MUTUAL FUND WITHDRAWAL Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. RomneyBASIC STRATEGIES
Fund Upgrading. Our most popular core strategy, Fund Upgrading is a "momentum" strategy based on the proven idea that recent past performance tends to persist. It's an aggressive strategy that requires once-a-month maintenance. Following SMI's specific guidance, you occasionally replace lagging funds with those showing strongermomentum.
OUR INVESTING STRATEGIES An Investing Strategy for the Risk-Averse. Our newest strategy, introduced in January 2013, DAA is a core portfolio strategy that’s designed to help you share in some of a bull market’s gains, while minimizing (or even preventing) losses during bear markets. The strategy involves using exchange-traded funds to rotate among six asset classes, holding three at any one time. | ARTICLES | SOUND MIND INVESTING As we head into June, it's an opportune time to take stock of the market's big picture themes. We'll be at the 2021 halfway point before we know it, so here's a quick TAXES | ARTICLES | SOUND MIND INVESTING Today is the tax-filing deadline for your 2020 income taxes — a bit later than normal because of COVID. (Taxpayers in areas affected by the February storms that hit Texas, Oklahoma, and Louisiana have untilJune
| ARTICLES | SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started MONEY ROUNDUP: MISTAKES FUND INVESTORS MAKE, BIG TUITION Here is our weekly collection of worthwhile reads on investing, personal finance, and stewardship. What are the 10 biggest mistakes made by fund investors? (Joe Wiggins, Behavioural Investment). You can avoid many of these mistakes by having a long-term plan and a mechanical (non-emotional) process! The benefits and drawbacks of active ETFs (Morningstar). A helpful primer I-BONDS: A GREAT OPTION FOR EMERGENCY FUND MONEY While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have had to endure such a long season of extremely low interest rates, the appeal of I-Bonds is easy to see: an interest rate of 3.54%, which far exceeds what SMI - FINANCIAL WISDOM FOR LIVING WELL. Objective, proven, market-beating, Biblically based investing strategies. Provide for your family and support God's work. This is Christian Investing. WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINSTAXATION OF MUTUAL FUND DISTRIBUTIONSCAPITAL GAINS TAX ON MUTUAL FUND SALECAPITAL GAINS ON MUTUAL FUNDMUTUAL FUND GAINS TAXABLETAX ON MUTUAL FUND SALETAX ON MUTUAL FUND WITHDRAWAL Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. Romney SMI - FINANCIAL WISDOM FOR LIVING WELL. Objective, proven, market-beating, Biblically based investing strategies. Provide for your family and support God's work. This is Christian Investing. WELCOME TO THE NEW SOUND MIND Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. SOUND MIND INVESTING Address and Contact. 9700 Park Plaza Ave Ste 202 Louisville, KY 40241. Telephone: 877-736-3764 10am-4pm ET/Mon-Fri. Contact Us by Email GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started THE BEST PREDICTOR OF FUTURE BOND RETURNS An expectation of higher interest rates is nothing new, as experts have been predicting higher rates for over a decade now. But it appears the wheels may finally be in motion to produce those long-anticipated higher rates. The Federal Reserve finally hiked rates for the first time a year ago and the market is clearly anticipating a second hike this month. And the Trump election win has poured THE SOCIAL SECURITY ADMINISTRATION MADE A MISTAKE Written by Joseph Slife. Joseph Slife has been a news writer for the Associated Press, a college instructor, and a radio host. For 13 years, he was a writer/researcher for Larry Burkett at Christian Financial Concepts and Crown Financial Ministries. THE END OF AN ERA: AMERICAN FUNDS GOES NO-LOAD When I was learning the mutual fund business 25 years ago, there were two separate and distinct types of funds: load and no-load. Load funds were those that charged a commission, which compensated the broker who put the client into the fund. These commissions took different forms — front-load, back-load, etc. — but the main point was the investor was going to pay a AVOID DOUBLE TAXATION WHEN CALCULATING MUTUAL-FUND GAINSTAXATION OF MUTUAL FUND DISTRIBUTIONSCAPITAL GAINS TAX ON MUTUAL FUND SALECAPITAL GAINS ON MUTUAL FUNDMUTUAL FUND GAINS TAXABLETAX ON MUTUAL FUND SALETAX ON MUTUAL FUND WITHDRAWAL Mutual funds make periodic payments to shareholders representing a share of the interest, dividend, and capital-gain income earned by the fund. These payments are called “distributions.” If you’re not careful in accounting for these distributions, you could pay more federal and state income taxes than necessary when your fund shares eventually are sold. (This article applies NON-TRADITIONAL ASSETS IN AN IRA A minor story line of the 2012 presidential campaign was the revelation that candidate Mitt Romney's IRA account was worth $102 million. While details remain murky regarding exactly how he was able to amass such a sum, given the limitation on annual contributions, one fact is obvious: he didn't get there by owning a traditional mix of stocks and bonds in his IRA. While Mr. RomneyBASIC STRATEGIES
Fund Upgrading. Our most popular core strategy, Fund Upgrading is a "momentum" strategy based on the proven idea that recent past performance tends to persist. It's an aggressive strategy that requires once-a-month maintenance. Following SMI's specific guidance, you occasionally replace lagging funds with those showing strongermomentum.
OUR INVESTING STRATEGIES An Investing Strategy for the Risk-Averse. Our newest strategy, introduced in January 2013, DAA is a core portfolio strategy that’s designed to help you share in some of a bull market’s gains, while minimizing (or even preventing) losses during bear markets. The strategy involves using exchange-traded funds to rotate among six asset classes, holding three at any one time. | ARTICLES | SOUND MIND INVESTING As we head into June, it's an opportune time to take stock of the market's big picture themes. We'll be at the 2021 halfway point before we know it, so here's a quick TAXES | ARTICLES | SOUND MIND INVESTING Today is the tax-filing deadline for your 2020 income taxes — a bit later than normal because of COVID. (Taxpayers in areas affected by the February storms that hit Texas, Oklahoma, and Louisiana have untilJune
| ARTICLES | SOUND MIND INVESTING About Sound Mind Investing. At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. HOW TO MAKE RATIONAL INVESTING DECISIONS In investing, you will occasionally experience setbacks, confusion, frustration, uncertainty, anxiety, and disappointment. It's inevitable. How you respond to events and to your emotions will be a key factor in your success, or lack of it. Your investment plan is more likely to succeed if it employs your psychological strengths and overcomes your weak spots. This article showcases some FUND PERFORMANCE RANKINGS Fund Performance Rankings. Each month SMI members receive the Fund Performance Rankings, our full-length review of more than 1,600 traditional mutual funds and ETFs. GOD’S WILL FOR YOUR FINANCES God’s purpose for us as His children is often frustrated by our preoccupation with money — making it, spending it, investing it and accumulating it. This article by the late financial teacher Larry Burkett focuses on the various ways God will (and won’t!) use money to further His work in our lives. It appeared in our premiere issue in 1990. Larry helped SMI get started MONEY ROUNDUP: MISTAKES FUND INVESTORS MAKE, BIG TUITION Here is our weekly collection of worthwhile reads on investing, personal finance, and stewardship. What are the 10 biggest mistakes made by fund investors? (Joe Wiggins, Behavioural Investment). You can avoid many of these mistakes by having a long-term plan and a mechanical (non-emotional) process! The benefits and drawbacks of active ETFs (Morningstar). A helpful primer THE MANY TEMPTATIONS OF MONEY AND OTHER POINTS TO PONDER Take-aways from a tumultuous year "One of the big lessons from 2020 is that risk is always present, even if we don’t always feel it. Things were smooth sailing until they weren’t. The other big lesson is that survival is the name of the game. It’s not about maximizing returns. It’s not about beating the market. It’s about staying the course. And you can only stay×
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THE LARGE IMPACT OF (EVEN) LOW INFLATION OVER TIME By Mark Biller | 05/20212 Comments
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Even at low levels, inflation is a stealthy, ever-present force that’s constantly whittling away at the value of your dollars.Read More…
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EVERYTHING I NEEDED TO KNOW ABOUT INVESTING, I LEARNED AT THE BEACH By Austin Pryor | 05/20210 Comments
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A beach trip can be filled with timeless and unforgettable lessons about investing basics. Can you spot them?Read More…
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DO YOU NEED RENTAL-CAR INSURANCE? By Matt Bell | 05/20212 Comments
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You might be covered by policies you already have. Here’s how tofind out.
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FIDELITY COURTS TEENAGE INVESTORS By Matt Bell | 05/202110 Comments
Fidelity Investments has introduced the Fidelity Youth Account, the industry’s first brokerage account for 13- to 17-year-olds.Read More…
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OUR STRATEGIES
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FUND UPGRADING
Core Strategy
This _core_ portfolio strategy is a "momentum" strategy based on the proven idea that recent past performance tends to persist. Upgrading an aggressive strategy and requires once-a-month maintenance.Read More ...
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GROWTH OF $10,000
Created with Highcharts 4.0.4Fund UpgradingWilshire 50002002200420062008201020122014201620182020$0k$25k$50k$75kUPGRADING 9.3%
WILSHIRE 5000 8.0%
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JUST THE BASICS
Core Strategy
This _core_ portfolio strategy is our simplest strategy. Requiring just once-a-year maintenance, JtB enables you to invest across the entire market using a handful of index funds.Read More ...
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GROWTH OF $10,000
Created with Highcharts 4.0.4Just the BasicsWilshire 50002002200420062008201020122014201620182020$0k$25k$50k JUST THE BASICS 7.9%WILSHIRE 5000 8.0%
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SECTOR ROTATION
Add-on Strategy
This _optional add-on_ strategy (designed for use with no more than 20% of your stock allocation) involves investing in a single stock fund that focuses on a specific sector like biotech or financial services. This strategy is available to SMI Premium members only.Read More ...
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GROWTH OF $10,000
Created with Highcharts 4.0.4Sector RotationWilshire 50002002200420062008201020122014201620182020$0k$100k$200k$-100kActual Results
Backtested Data
SECTOR ROTATION 15.1%WILSHIRE 5000 8.0%
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DYNAMIC ASSET ALLOCATIONCore Strategy
This _core_ portfolio strategy, available to SMI Premium members, involves rotating among six exchange-traded funds that represent U.S. stocks, foreign stocks, gold, real estate, bonds, and cash. Only three funds are held at any given time, depending on which three are demonstrating the strongest momentum.Read More ...
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GROWTH OF $10,000
Created with Highcharts 4.0.4DAAWilshire 50002002200420062008201020122014201620182020$0k$50k$100kActual Results
Backtested Data
DAA 10.4%
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I'm a charter member of Sound Mind Investing, so I have been following the strategies for a long time. SMI helped me reach the point where I felt comfortable retiring in September 2018. Chuck Sneddon, Springfield, MO I started subscribing to SMI in the 1990s. I liked their articles but never took the time to investigate their investment strategies because most of my investing was done via a workplace retirement plan. Looking back, I probably would have made better investment choices and reaped more gains in that plan if I had implemented the SMI approach. Now I’ve thrown myself into understanding SMI's investment strategies, and I really appreciate the philosophy and soundness of their approach. Not only that, but I like that they write their articles in a clear, concise, and engaging manner. Neal Adrian, Hermosa, South Dakota Member since 1999 SMI is about more than just the numbers, as important as those may be. A true heart for God comes through. As a young man with a young family trying to get on a good track financially, I appreciate the wisdom SMIoffers.
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“Here’s my checklist for what makes a great financial resource — consistent with God’s word, an easy-to-understand writing style, practical lessons that are relevant to my situation, and specific advice on investing for retirement. Fortunately, Austin Pryor has covered all these bases with his Sound Mind Investing Handbook and monthly financial newsletter. I heartily recommend Austin’s counsel to anyone who is ready to take control of their finances and manage them according to God’s protective principles. Not only has his monthly material caused my 401k to grow but, more importantly, Austin has taught me so many scriptural stewardship lessons that I’d overlooked before.”DAVE STONE
_Senior Pastor / Southeast Christian Church Louisville, Kentucky_ “Sound Mind Investing serves the needs of Christians who want a proven process to follow regarding mutual fund investing. We continue to endorse their services because of their experience andintegrity.”
CHUCK BENTLEY
_Chief Executive Officer / Crown Financial Ministries_ “_Sound Mind Investing_ is the ‘Consumer Reports’ for the Christian investor. They simplify the complex, so it’s easy-to-understand. They review thousands of mutual funds and financial products, so it’s comprehensive. Their long-term investment track record is impressive. And best of all, it’s biblically based, equipping readers to ‘_have more so they can give more_.’ _Sound Mind Investing_ is helping Christians build eternalportfolios.”
HOWARD DAYTON
_Founder / Compass — Finances God's Way_ “If you’re looking for an attractive, easy-to-follow investing guidance written in plain English, look no further. Austin Pryor writes without vested interests in any specific plan or fund. This means greater candor and objectivity. I’m frankly skeptical of a lot of stuff coming out of the financial realm with its short-term ‘for this life only’ perspective. Austin is a man with a larger and better perspective. May every reader seek to make wise investments of money and time in God’s kingdom, investments that will pay off not only in this life, but in the eternal life to come!”RANDY ALCORN
_Director of Eternal Perspective Ministries. Author of Money, Possessions & Eternity, and Heaven._ "Austin Pryor is a friend and an encourager! Not just to me, but to tens of thousands in the Christian community through his Sound Mind Investing Handbook and website. For more than 25 years, SMI has been successfully guiding Christian families with Biblically sound financial principles and objective investment strategies. His easy-to-understand explanations are really helpful, especially for a beginner like me with little investing experience. For clear, effective, and trustworthy financial advice, I can think of no better source than Sound Mind Investing."KYLE IDLEMAN
_Author & Teaching Pastor / Southeast Christian Church Louisville,Kentucky_
“When I wrote The Glorious Journey I had to include a quote by Austin Pryor in my book. Here is a man of great insight who has the ability to make difficult subjects easy to comprehend. It is obvious that Sound Mind Investing combines Biblical wisdom with very practical and understandable application.” DR. CHARLES F. STANLEY _Senior Pastor / First Baptist Church of Atlanta_ “I have known Austin Pryor for over 30 years now, and I regard him as a good friend. I have found his counsel to be both biblical and practical. I know of no other individual with whom I would consult with more confidence on the subject of mutual fund investing than Austin. If you will spend the time to read carefully the counsel Austin provides, you will find it both time and money well spent.” LARRY BURKETT (1939-2003) _Co-Founder / Crown Financial Ministries_ “As a communicator, I’m always on the lookout for resources that speak clearly and knowledgeably to the point at hand. My long-time friend Austin Pryor does exactly that in his financial newsletter and The Sound Mind Investing Handbook. They are thorough, easy-to-understand, and grounded in 30 years of successful investing experience. Both are valuable sources of practical guidance for anyone who wants their financial decisions to line up with biblical principles. Austin and Sound Mind Investing get my highestrecommendation.”
JOSH MCDOWELL
_Christian Speaker & Author of 120 books including "More Than a Carpenter" and "New Evidence That Demands a Verdict"_ “Over the years, I have become very familiar with Sound Mind Investing: from reading the Handbook, to following its investment strategies, to meeting a few of the fine folks in the organization. Being a cheerleader of a similar cause, I am thankful to God for SMI’s faithfulness and dedication to its God-given mission. By helping people not only invest wisely, but invest for God-glorifying purposes, Sound Mind Investing is playing a vital role in the area of Christian finance.”BOB LOTICH
_Founder / SeedTime.com_ “I am a huge fan of Austin Pryor, author of The Sound Mind Investing Handbook and his monthly newsletter. The knowledge you gain from them will give you tremendous confidence. Everything I know about investingI learned from
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MARY HUNT
_Founder / Debt-Proof Living_ ABOUT SOUND MIND INVESTING At Sound Mind Investing, we take the fear out of investing with objective, proven strategies do-it-yourself investors can implement with confidence. Our ultimate goal is to help you manage your money well so you can truly live well.More About SMI
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