About Editor of The Better Investor Blog

Jemstep’s The Better Investor Blog is created with the goal of helping investors make the best decisions to reach their long-term goals. This blog presents readers with insights and tips from the leading experts in the investment field.
How to offer a 401k plan
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How to Offer a Great 401K Plan Without Breaking the Bank

According to a recent study by SurePayroll, over 70% of small businesses don’t offer their employees a 401K plan. Many cite prohibitive administration costs, overhead and fees as the reason why. If you’re a small businesses owner, you may be …
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How to determine your risk tolerance
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How to Determine Your Risk Tolerance

People always say you should split your investments among equities (such as stocks) and fixed-income (such as bonds) relative to your age and risk tolerance. There’s no question when it comes to the “age” part of the equation; we all …
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offer your employees more than target date funds
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Why Your 401(k) Plan Needs More Than Target Date Funds

“Target date funds are taking over.” So says a recent article in Barron’s magazine, which then goes on to note that this asset class has grown from $160 billion to $670 billion from the end of 2008 to the present. …
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Why You Should Ignore Fund Manager Ratings

Does this phrase look familiar? “Past performance is not a reliable indicator of future returns.” Most investors probably recognize this line. Mutual funds that are registered with the U.S. Securities and Exchange Commission (SEC) are required to include that statement …
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401k plan
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What to Know If You’re Setting Up a New 401(k) Plan

Are you a brand-new small business owner? Did your company recently grow from one employee to multiple people? If so, there’s a good chance you have not yet set up a defined-contribution retirement plan for your employees. Defined-contribution plans, such …
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money in the hands
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How to Invest a Lump Sum

Congratulations – you’ve just received a lump sum. Perhaps you received a huge commission check, a bonus, a gift or an inheritance. Or maybe you’ve been absentmindedly saving for awhile, and now your bank account has reached a new high. …
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Save-for-Retirement-Without-Skipping-Vacations
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Save for Retirement Without Skipping Vacations

The retirement problem is real. Working Americans are saving far less than they should be in order to retire comfortably: about $6.6 trillion less, according to recent survey by Boston College’s Center for Retirement Research. (Yes, that’s “trillion” with a …
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investing mistakes
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6 Investing Mistakes You Should Avoid

“You have to spend money to make money.” “There’s no reward without risk.” “Everyone’s buying Apple these days.” Sure, there’s some wisdom in popular cliches — but there are errors in cliches, as well. And sometimes, those errors (or misunderstandings) …
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401k
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Helping Workers Bridge the 401(k) Knowledge Gap

It’s a complaint heard all across the country, in businesses large and small: “I’m not an investment expert,” employees say, “yet I am responsible for planning my retirement.” There’s a “knowledge gap,” in other words — and it has stark …
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