Tax Time Reminders. Investment Options in Foreign Real Estate.
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Tax Time Reminders

A few reminders as the tax deadline nears:

ALL INVESTORS

Roth IRA
You still have time to contribute for 2014. Although the full contribution limit is $5,500 ($6,500 if 50 or older), your ability to contribute phases out based on income, starting at $114,000 for single filers and $181,000 for married filers. Get the details straight from the IRS.

Even with income higher than these limits, you may be able to contribute to a Roth IRA indirectly. You can contribute to a nondeductible IRA, then convert it to a Roth IRA. If you have existing traditional IRAs (including Rollover and SEP), this does not work the way you would expect. Contact us to discuss this option.

SELF-EMPLOYED INVESTORS

Individual 401k
You can still contribute for 2014, however the plan must have been opened in 2014 or earlier. Your total contribution limit can be as high as $52,000, but it depends on your self-employed income so confirm your limit with your tax advisor.

SEP IRA
If you don't have an Individual 401k set up, you can still contribute to a SEP IRA for 2014. Your contribution limit can be as high as $52,000, but it depends on your self-employed income so confirm your limit with your tax advisor.

Featured Article

Investment Options: Foreign Real Estate

When people think about real estate as an investment, most think of buying and renting out a condo or single-family home in their neighborhood. The rental properties that happen to be within an hour's drive from where you live is but a tiny fraction of the world's real estate. The real estate universe is far larger than the condos and homes in your city, your state, or even your country.

Just like you shouldn't limit your portfolio to stocks in the US, you should consider the global market when investing in real estate. The easiest way for most investors to include foreign real estate in their portfolio is through REITs (also, see options for US REITs). REITs are stocks that own and rent out real estate properties of all kinds, such as apartments, shopping malls, and office buildings.

Although investing in residential, commercial or industrial properties in other countries seems exotic, there are a number of low-cost, diversified funds that...

Read the rest of the article

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Emerging Market (EM) stocks have grown to representing over 10% of the world’s stock market value, yet US investors tend to own very little EM stock investments.

What is Smart Beta?
Traditionally indexing has meant something that looks like the S&P 500 index. In recent years, indexing has grown far beyond its traditional roots and it now seems more common for index funds and ETFs to track ...

Value and Momentum: January 2015
A look at what our value and momentum analysis of asset classes told us in January 2015.

Interesting Reads

Are Index-Fund Investors Smarter? -- WSJ
They have tended to make better-timed moves with their money than active-fund investors.

Vanguard Enhances Diversification for Target Date Funds -- Vanguard
Vanguard announced it will increase the international allocations for their target date and allocation funds to offer investors enhanced global diversification.

‘529’ Plans Loosen Up. A Little. -- WSJ
Investors Can Now Make Changes Twice a Year. But Should You?

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