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Volkswagen's quality-control chief resigns
White House to ask for Zika research funding
Struggling LeapFrog bought by VTech


Chipotle wants to give you a burrito — how to get it
Chipotle closing up shop for a few hours today
VOTE: If not Chipotle, where would you eat?

Nomac Drilling Corp. derrick man Justin Spruell, right, climbs down from an overhead platform after connecting a section of drill pipe on a Chesapeake Energy Corp. natural gas drill site in Bradford County, Pennsylvania, U.S., on Tuesday, April 6, 2010. Photographer: Daniel Acker/Bloomberg *** Local Caption *** Justin Spruell
Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Venezuela can’t get Saudis to cut oil production
Only place left to invest if ‘Oilmageddon’ hits
Iran sets crude oil export volumes for Europe
Mark Mobius no longer investing in Petrobras



Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch

Voter turnout in each U.S. state (24/7 Wall St.)
Americans giving up citizenship at record rate

In the U.S., socialism is no longer such a dirty word

Bill Clinton blasts Bernie Sanders as ‘the enemy of all things big’
Bill Clinton: Sanders is the ‘enemy of all things big’

Blunders may reveal real flaws in Clinton and Rubio
All those terrible things Hillary Clinton has done

Geithner gets investment aid from J.P. Morgan

These ‘Buffett stocks’ are bargains in this market

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst

23 stocks they’re throwing out with the bathwater

Hasbro blows past estimates as Star Wars boosts revenue
Hasbro blows past estimates on Star Wars boost
What to look for from Disney: Star Wars, ESPN

Randgold raises dividend after record output
Rio Tinto, 5 others quit London Metal Exchange
Moody’s cuts rating on W. Australia iron ore

Fundamentals are no longer relevant for gold
Anglo American CEO: Tough 2016 ahead

China’s forex reserves poised for another record drop
China’s foreign-currency reserves drop $99 bln
Will China soon burn through its reserves?
When is China stock market closed for holiday?
Japan's current account surplus quadruples


Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus
Disney, Coca-Cola headline earnings week

Ford to double Mexico factory capacity in 2018
Ford to double Mexico factory capacity

New refugee crisis is looming at Turkey’s border

Lehman Brothers lives on,
as a spirit

N. Korea faces new sanctions after rocket test
North Korea fires long-range rocket
The 6 most corrupt countries in the world



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Markets »

72.78MDow Volume:
Avg Vol: 128.61M
Unchanged
92
Decliners
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Advancers
1173
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
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Dow
/quotes/zigman/627449/realtime 15,866 -339 2.09%
Nasdaq
/quotes/zigman/12633936/realtime 4,239 -125 2.85%
S&P 500
/quotes/zigman/3870025/realtime 1,838 -42 2.21%
GlobalDow
/quotes/zigman/629063/realtime 2,097 -42 1.97%
Gold
/quotes/zigman/33772884/delayed 1,198 +40 3.44%
Oil
/quotes/zigman/2260836/delayed 29.99 -0.90 2.91%
FTSE 100
/quotes/zigman/3173262/delayed 5,689 -159 2.71%
DAX
/quotes/zigman/2380246/delayed 8,979 -307 3.30%
CAC 40
/quotes/zigman/3173214/delayed 4,066 -134 3.20%
FTSE MIB
/quotes/zigman/1482176/delayed 16,441 -809 4.69%
IBEX 35
/quotes/zigman/2759620/delayed 8,122 -377 4.44%
Stoxx 600
/quotes/zigman/2380150/delayed 314 -12 3.54%
Asia Dow
/quotes/zigman/6959860/realtime 2,515 +5 0.18%
Nikkei 225
/quotes/zigman/5986735/delayed 17,004 +185 1.10%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,287 -330 1.34%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.20%
Yen
/quotes/zigman/16008150/realtime/sampled 115.55 -1.32 1.13%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 -0.01 0.52%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.37%
DXY Index
/quotes/zigman/1652083/delayed 96.80 -0.24 0.25%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.69 -0.12 0.13%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 -0.08 4.39%
German 10y
/quotes/zigman/15866409/realtime 0.22 -0.08 26.83%
Italy 10yr
/quotes/zigman/15866497/realtime 1.70 +0.14 9.21%
Spain 10yr
/quotes/zigman/15866444/realtime 1.76 +0.11 6.81%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.41 -0.15 9.62%
Japan 10yr
/quotes/zigman/15866525/realtime 0.04 +0.01 25.61%
Crude Oil
/quotes/zigman/2260836/delayed 30 -1 2.91%
Gold
/quotes/zigman/33772884/delayed 1,198 +40 3.44%
Corn
/quotes/zigman/25518691/delayed 363 -3 0.89%
DJIA F
/quotes/zigman/48241424/delayed 15,770 -361 2.24%
S&P F
/quotes/zigman/43106711/delayed 1,831 -45 2.39%
Silver
/quotes/zigman/32655632/delayed 15 +1 4.41%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 98.84 -5.23 -5.03%
AAPL /quotes/zigman/68270/composite 94.23 0.21 0.22%
GOOG /quotes/zigman/59527964/composite 666.69 -16.88 -2.47%
BAC /quotes/zigman/190927/composite 12.25 -0.71 -5.44%
C /quotes/zigman/5065548/composite 37.90 -1.97 -4.93%
F /quotes/zigman/264304/composite 11.52 0.07 0.61%
T /quotes/zigman/398198/composite 36.82 -0.06 -0.16%
BP /quotes/zigman/247026/composite 29.71 -0.75 -2.46%
GE /quotes/zigman/227468/composite 27.91 -0.64 -2.22%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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SmartMoney Blogs

Encore
A blog about living in and planning for retirement

Why Asset Allocation May Not Matter

Are you worried about having the right mix of stocks and bonds in your nest egg? A new study indicates that asset allocation might not be as important to your long-term financial health as making better use of other retirement-planning tools, including working longer, controlling spending or taking out a reverse mortgage.

The report, from the Center for Retirement Research at Boston College, is titled, appropriately enough: “How Important Is Asset Allocation to Financial Security in Retirement?” The various holdings within a person’s retirement accounts typically play an early and prominent role in dealings with financial advisers. But given the relatively small size of most nest eggs (less than $100,000 for those approaching retirement), researchers at Boston College set out to determine whether other “levers” could have an equally large – or larger – effect on financial security in later life.

To that end, the study engages in three exercises. First, researchers looked (by means of an Excel spreadsheet) at the tradeoff between investment returns and time spent in the labor force. Second, using actual household data from the University of Michigan’s Health and Retirement Study, the center examined how the gap between retirement resources and retirement needs is affected by different strategies (controlling spending, etc.).

Third and last, researchers looked at the value for the average household of moving to an optimal investment portfolio from a typical conservative portfolio.

With all three exercises, the findings were essentially the same: Asset allocation played a relatively minor role in creating a secure retirement. The one exception, in some instances: households in the top decile of wealth distribution (more than $500,000). But even here, the study notes, the “importance of asset allocation was…less than one would expect.”

The upshot: Financial planning tools, the report concludes, “frequently highlight the asset allocation decision, suggesting that individuals have a lot to gain by adopting a more optimal allocation of stocks and bonds.” But financial advisers “will be of greater help to their clients if they focus on a broad array of tools – including working longer, controlling spending, and taking out a reverse mortgage.”

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (5 of 17)

View all Comments »
    • In fact when someone doesnit understand after that its up to other visitors that they will help, so here it takes place.

    • Shocking to find out that asset allocation doesnt matter if you dont have any assets!!!
      Save a lot, then get a good asset allocation to make it grow!

    • my neighbor’s mother-in-law brought in $17078 past week. she is making an income on the computer and bought a $387800 house. All she did was get blessed and apply the clues laid out on this site (Click on menu Home more information) http://goo.gl/U7KuT

    • I suspect this isn’t the best placement for this article due to (hopefully) the readers here are either worth over $1/2M or young, and saving.

    • Asset Allocation is important if you have assets to allocate. If you don’t have the money, as several previous comments mention, asset allocation certainly doesn’t matter. For this comment I define asset allocation as the percentage of stocks, bonds, cash or other investment vehicles—–not including the domicile. Of course, where you invest whatever you have, total return is the key. As one comments points out it certainly is better to expand your $100K to $200K by the correct investment rather than cutting it to $50K in the wrong investment.I n over 22.5 years I can tell you that the best place is enough equities (stocks or stock mutual funds)to make you portfolio grow. We have generally maintained about a 70% stock, 25% bond and 5% cash over that period. We control our withdrawals very-very carefully and have been able to grow the asset base 283% in the 22.5 years giving us a cushion as we age out of our mid-70′s.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

New York Markets Close in:

need to know
BioCryst shars plunge after disappointing study
Apollo Education Group to be taken private
Oil sinks again as fears of oversupply persist
Apple supplier Imagination Tech warns of loss
India is world's fastest-growing major economy
Volkswagen's quality-control chief resigns
White House to ask for Zika research funding
Struggling LeapFrog bought by VTech


Chipotle wants to give you a burrito — how to get it
Chipotle closing up shop for a few hours today
VOTE: If not Chipotle, where would you eat?

Nomac Drilling Corp. derrick man Justin Spruell, right, climbs down from an overhead platform after connecting a section of drill pipe on a Chesapeake Energy Corp. natural gas drill site in Bradford County, Pennsylvania, U.S., on Tuesday, April 6, 2010. Photographer: Daniel Acker/Bloomberg *** Local Caption *** Justin Spruell
Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Venezuela can’t get Saudis to cut oil production
Only place left to invest if ‘Oilmageddon’ hits
Iran sets crude oil export volumes for Europe
Mark Mobius no longer investing in Petrobras



Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch

Voter turnout in each U.S. state (24/7 Wall St.)
Americans giving up citizenship at record rate

In the U.S., socialism is no longer such a dirty word

Bill Clinton blasts Bernie Sanders as ‘the enemy of all things big’
Bill Clinton: Sanders is the ‘enemy of all things big’

Blunders may reveal real flaws in Clinton and Rubio
All those terrible things Hillary Clinton has done

Geithner gets investment aid from J.P. Morgan

These ‘Buffett stocks’ are bargains in this market

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst

23 stocks they’re throwing out with the bathwater

Hasbro blows past estimates as Star Wars boosts revenue
Hasbro blows past estimates on Star Wars boost
What to look for from Disney: Star Wars, ESPN

Randgold raises dividend after record output
Rio Tinto, 5 others quit London Metal Exchange
Moody’s cuts rating on W. Australia iron ore

Fundamentals are no longer relevant for gold
Anglo American CEO: Tough 2016 ahead

China’s forex reserves poised for another record drop
China’s foreign-currency reserves drop $99 bln
Will China soon burn through its reserves?
When is China stock market closed for holiday?
Japan's current account surplus quadruples


Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3, Model X in focus
Disney, Coca-Cola headline earnings week

Ford to double Mexico factory capacity in 2018
Ford to double Mexico factory capacity

New refugee crisis is looming at Turkey’s border

Lehman Brothers lives on,
as a spirit

N. Korea faces new sanctions after rocket test
North Korea fires long-range rocket
The 6 most corrupt countries in the world



/conga/frontpage.html 367341

Markets »

72.79MDow Volume:
Avg Vol: 128.61M
Unchanged
92
Decliners
5146
Advancers
1173
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,867 -338 2.09%
Nasdaq
/quotes/zigman/12633936/realtime 4,238 -125 2.86%
S&P 500
/quotes/zigman/3870025/realtime 1,838 -42 2.21%
GlobalDow
/quotes/zigman/629063/realtime 2,097 -42 1.97%
Gold
/quotes/zigman/33772884/delayed 1,197 +40 3.43%
Oil
/quotes/zigman/2260836/delayed 29.98 -0.91 2.95%
FTSE 100
/quotes/zigman/3173262/delayed 5,689 -159 2.71%
DAX
/quotes/zigman/2380246/delayed 8,979 -307 3.30%
CAC 40
/quotes/zigman/3173214/delayed 4,066 -134 3.20%
FTSE MIB
/quotes/zigman/1482176/delayed 16,441 -809 4.69%
IBEX 35
/quotes/zigman/2759620/delayed 8,122 -377 4.44%
Stoxx 600
/quotes/zigman/2380150/delayed 314 -12 3.54%
Asia Dow
/quotes/zigman/6959860/realtime 2,515 +5 0.18%
Nikkei 225
/quotes/zigman/5986735/delayed 17,004 +185 1.10%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,287 -330 1.34%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.18%
Yen
/quotes/zigman/16008150/realtime/sampled 115.55 -1.32 1.13%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 -0.01 0.53%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.37%
DXY Index
/quotes/zigman/1652083/delayed 96.80 -0.25 0.26%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.69 -0.12 0.14%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 -0.08 4.39%
German 10y
/quotes/zigman/15866409/realtime 0.22 -0.08 26.83%
Italy 10yr
/quotes/zigman/15866497/realtime 1.70 +0.14 9.21%
Spain 10yr
/quotes/zigman/15866444/realtime 1.76 +0.11 6.81%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.41 -0.15 9.62%
Japan 10yr
/quotes/zigman/15866525/realtime 0.04 +0.01 25.61%
Crude Oil
/quotes/zigman/2260836/delayed 30 -1 2.95%
Gold
/quotes/zigman/33772884/delayed 1,197 +40 3.43%
Corn
/quotes/zigman/25518691/delayed 363 -3 0.89%
DJIA F
/quotes/zigman/48241424/delayed 15,770 -361 2.24%
S&P F
/quotes/zigman/43106711/delayed 1,830 -45 2.40%
Silver
/quotes/zigman/32655632/delayed 15 +1 4.48%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 98.92 -5.15 -4.95%
AAPL /quotes/zigman/68270/composite 94.24 0.22 0.23%
GOOG /quotes/zigman/59527964/composite 667.29 -16.28 -2.38%
BAC /quotes/zigman/190927/composite 12.25 -0.70 -5.41%
C /quotes/zigman/5065548/composite 37.92 -1.94 -4.87%
F /quotes/zigman/264304/composite 11.53 0.08 0.70%
T /quotes/zigman/398198/composite 36.82 -0.06 -0.18%
BP /quotes/zigman/247026/composite 29.68 -0.78 -2.56%
GE /quotes/zigman/227468/composite 27.91 -0.63 -2.22%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

Top 3 from Barron's

Today's list of the most-viewed stories from Barron's. More »

  1. 1.
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  3. 3.

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