Today's investor faces money challenges that were unimaginable just a few short years ago. How can you meet the demands of housing, college savings, retirement, and other financial goals without spending all of your spare time focused on them? Christine Benz, Director of Personal Finance for Morningstar, gives you the tools for tackling your money challenges with this practical guide. Morningstar's 30-Minute Money Solutions provides investors at all life stages with an effective road map to getting their financial affairs in order by breaking the process down into short, manageable 30-Minute…mehr
Today's investor faces money challenges that were unimaginable just a few short years ago. How can you meet the demands of housing, college savings, retirement, and other financial goals without spending all of your spare time focused on them? Christine Benz, Director of Personal Finance for Morningstar, gives you the tools for tackling your money challenges with this practical guide. Morningstar's 30-Minute Money Solutions provides investors at all life stages with an effective road map to getting their financial affairs in order by breaking the process down into short, manageable 30-Minute steps. To keep your finances on track, you'll also receive access to an exclusive Web site where you can download worksheets, use financial calculators, find additional money-related articles, and view up-to-date lists of the best investments for your portfolio. Written in a straightforward and easy-to-follow style, this reliable resource: * Lays out the tools to get organized, including setting up a system for tracking your money and important financial documents, setting financial goals, and developing a budget and financial plan * Shows you how to match the right investments to your goals--whether you're making your first investment or have an established portfolio of securities--using time-tested investment strategies and Morningstar insights * Coaches you on how to tend to other important financial tasks, such as estate planning and managing taxes Read Morningstar's 30-Minute Money Solutions in its entirety for a comprehensive money plan, or read select chapters to meet specific challenges, such as saving for college or reviving an ailing retirement plan. It's the ideal money guide for both new and experienced investors from the most trusted name in investment research, Morningstar.
CHRISTINE BENZ is Director of Personal Finance for Morningstar. She is also editor of the monthly newsletter Morningstar(R) PracticalFinance and writes a weekly column on Morningstar's popular Web site, Morningstar.com. Benz is coauthor of Morningstar(R) Guide to Mutual Funds: 5-Star Strategies for Success and is author of the book's second edition. Before assuming her current role in 2008, Benz served as Morningstar's director of mutual fund analysis. She has also served as editor of Morningstar(R) FundInvestor(TM), a monthly newsletter for individual investors. Benz has been widely quoted in print and online media, and has made numerous appearances on national radio and television shows. For more information, visit the 30-Minute Solution Resource Center online at www.morningstar.com/goto/30MinuteSolutions.
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Foreword.
Preface.
Acknowledgments.
Part One. Find Your Baseline.
Chapter 1. Calculate Your Net Worth.
Chapter 2. See Where Your Money Goes.
Chapter 3. Set Your Financial Goals.
Chapter 4. Create a Budget.
Part Two. Get Organized.
Chapter 5. Create a Bill-Paying System.
Chapter 6. Create A Filing System.
Chapter 7. Create a Master Directory.
Part Three. Find the Best Use of Your Money.
Chapter 8. Determine Whether to Pay Down Debt or Invest.
Chapter 9. Decide Where to Invest for Retirement.
Part Four. Get Started in Investing.
Chapter 10. Create an Emergency Fund.
Chapter 11. Find the Right Stock/Bond Mix.
Chapter 12. Create an Investment Policy Statement.
Chapter 13. Invest for Short- and Intermediate-Term Goals.
Chapter 14. Create a Hands-Off Long-Term Portfolio.
Part Five. Invest in Your Company Retirement Plan.
Chapter 15. Determine How Good Your Company Retirement PlanIs.
Chapter 16. Decide between a Traditional and Roth 401(k).
Chapter 17. Select the Best Investments for Your CompanyRetirement Plan.
Chapter 18. Make the Most of a Subpar 401(k) Plan.
Part Six. Invest in an IRA.
Chapter 19. Determine What Type of IRA Is Best for You.
Chapter 20. Identify the Best Investments for Your IRA.
Chapter 21. Determine Whether to Convert Your IRA.
Chapter 22. Roll Over Your Retirement Plan into an IRA.
Part Seven. Invest for College.
Chapter 23. Find the Right College Savings Vehicle.
Chapter 24. Find the Right 529 Plan.
Chapter 25. Select the Right Investments for Your CollegeSavings Plan.
Part Eight. Invest in Your Taxable Account.
Chapter 26. Identify the Best Investments for TaxableAccounts.
Chapter 27. Manage Your Portfolio for Tax Efficiency.
Chapter 28. Harvest Tax Losses.
Part Nine. Invest During Retirement.
Chapter 29. Determine Your Portfolio Withdrawal Rate.
Chapter 30. Build an In-Retirement Portfolio.
Chapter 31. Find the Right Sequence of In-RetirementWithdrawals.
