Roth vs Traditional – Which Is Better?

Both a Roth IRA and a Traditional IRA have tax advantages, but the advantages of a Roth far outweigh that of a Traditional. In this article, I'll explain why. What is a Roth IRA?A Roth IRA is an individual retirement account (IRA) that allows qualified withdrawals on a tax-free basis. This means you pay taxes… Continue reading Roth vs Traditional – Which Is Better?

Investing Diversification (When It’s Bad)

Investing diversification is a subject of much debate in personal finance, and it is my view that investing diversification (as traditionally understood) is not really a good thing. In this article, I explain why. For example, diversification can be if you spread your investments across all types -- including poor performing bond funds -- simply… Continue reading Investing Diversification (When It’s Bad)