Investing Archives - The Ways To Wealth

Investing in Private Credit: A Guide for Individual Investors

R.J. Weiss — Thu, 24 Aug 2023 17:26:12 +0000

Private credit is a form of lending in which investors provide capital directly to borrowers (who are most often businesses). This alternative asset class offers the allure of high yields and low correlation with traditional markets, but comes with challenges such as illiquidity and default risk. This article provides comprehensive guidance on how individual investors can invest in private credit effectively and responsibly. Why Invest In Private Credit? Once strictly the domain of institutional investors, private credit has recently become more accessible to individual investors. Regulatory changes and the emergence of crowdsourced platforms like Percent, Yieldstreet and Fundrise have broadened […]

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401k Expense Ratio Calculator: See Total Fees Over Time

R.J. Weiss — Fri, 14 Jul 2023 19:29:37 +0000

Initial Investment ($) Annual Contribution ($) Annual Increase (%) Years to Grow Annual Return Rate (%) Expense Ratio (%) Annual Flat Fees (If Any) Calculate Calculator not working? Make sure every field has a value, even if it's 0! How To Use Our 401(k) Expense Ratio Calculator Under "Starting Investment," enter the initial amount you have invested in your 401(k), if any. If you're just starting out, this value could be zero. Under "Annual Contribution," input the amount you plan to contribute to your 401(k) each year. In the "Annual Increase in Contribution (%)" field, enter the percentage you plan […]

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Best Brokerage Promotions: Top New Account Bonus Offers

R.J. Weiss — Thu, 09 Feb 2023 16:32:00 +0000

Below are the best brokerage account cash sign-up bonuses available today. To compile this list, we considered the overall quality of the brokerage, the investment options offered, and the value of the bonus compared to the deposit needed to earn it. Robinhood 1 to 3% on IRA/401(k) contributions and 1% on transfers. Public $5,000 deposit for a $150 bonus. TradeStation $500 deposit for a $50 bonus. E*TRADE $1,000 deposit for a $100 bonus. M1 $10,000 deposit for a $75 bonus. SoFi $1,000 deposit for a $25 bonus Charles Schwab $25,000 deposit for a $100 bonus. Citi Self-Invest $10,000 deposit for […]

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The 9 Best Crowdfunded Real Estate Platforms

R.J. Weiss — Fri, 27 Jan 2023 15:32:01 +0000

We reviewed numerous crowdfunded real estate platforms to find the best options. Our rankings are based on factors including accreditation requirements, fees, minimum investments, historical returns and potential liquidity. Best for Beginners: Fundrise Our rating: 4.5/5 Minimum investment: $10 Minimum holding period: None, but there’s a 1% fee if you sell your position within the first five years. Open to non-accredited investors? Yes. Fees: 0.15% annual advisory fee, 0.85% management fee. Fundrise is a great platform for beginners thanks to the platform’s simplicity and its low $10 account minimum. Additionally, it’s one of the few options available to non-accredited investors. […]

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Betterment vs. Vanguard: A Financial Planner’s Comparison

R.J. Weiss — Thu, 22 Dec 2022 11:00:00 +0000

Betterment and Vanguard both provide users with a way to invest their funds safely, but each has its own unique advantages and disadvantages. So which is the right choice for you? In this Betterment vs. Vanguard comparison, we’ll help you answer that question by taking an in-depth look at factors such as the two platforms’ investment offerings, features and fees. Our Take Before we dive into the details, here’s a top-level summary of what you need to know. The Case for Betterment Betterment works best for those who are new to investing and may need additional help learning the ropes. As […]

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SPY vs VOO: Choose the Best ETF for Your Goals

R.J. Weiss — Wed, 16 Nov 2022 02:54:06 +0000

The key to successful investing is finding the right investments for your goals and risk tolerance. Two of the most popular choices for everyday investors are the SPY and VOO exchange-traded funds (ETFs). SPY is the SPDR S&P 500 ETF. It tracks the performance of the S&P 500 index and is one of the market’s largest and most actively traded ETFs. VOO is the Vanguard S&P 500 ETF, which also tracks the S&P 500 index. It’s one of the most popular ETFs for buy-and-hold investors, and a common holding in robo-advisor portfolios. SPY vs. Voo Summary: SPY vs. VOO: The […]

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9 Best Passive Income Generating Assets to Invest In

R.J. Weiss — Wed, 03 Aug 2022 22:33:07 +0000

If you’re looking for a reliable stream of passive income, each of these income generating assets has the potential to produce regular cash flow — whether through dividends, interest payments or rent. Many also offer appreciation. #1. Stocks A diversified stock portfolio has historically been one of the best income-generating assets you can own. Stocks in the S&P 500 have paid out an average dividend yield of 4.3%, although that number has decreased since the late 1990s. (Keep in mind, the figures below are in addition to increases in stock price.) Year Dividend Yield 2020 1.58% 2015 2.11% 2010 1.83% […]

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5 Best Traditional And Roth Crypto IRA Accounts

R.J. Weiss — Fri, 29 Apr 2022 13:16:54 +0000

The ability to hold crypto inside your IRA finally went mainstream in 2021. Before this, the fees were astronomical. In fact, when I first looked into investing in a Bitcoin IRA (back in 2020), I was quoted a 12.5% front-end fee by one of the top-ranked companies operating in the space. Today, there are many companies that make adding digital currency to your retirement portfolio as easy and as low-cost as investing in traditional assets like stocks and bonds. What Is a Crypto IRA? The IRS doesn’t recognize the term “crypto IRA.” So what we’re talking about when we use […]

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4 Best Micro-Investing Apps for Beginners

R.J. Weiss — Wed, 09 Feb 2022 09:00:00 +0000

From rounding up your spare change to investing in fractional shares of stock for just $1, The Ways To Wealth’s list of best micro-investing apps can help you decide on the app that’s going to help you accomplish your financial goals. What Is Micro-Investing? Micro-investing is investing small amounts of money (often automatically) into the stock market. This isn’t to be confused with micro-savings, which is the process of saving small amounts of money in short-term investments like a high-yield savings account. A decade ago, investing $1 in the stock market was impossible because of high fees, which often ran […]

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7 Best Behavioral Finance and Investment Psychology Books

R.J. Weiss — Tue, 16 Nov 2021 02:53:00 +0000

Famed investor Charlie Munger has said, “You can learn to make fewer mistakes than other people — and how to fix your mistakes faster when you do make them.” That quote summarizes why it’s important for anyone who invests to study behavioral finance and investment psychology: learning how people act in financial markets, including yourself, gives you valuable insights that can help you make better decisions. That’s why this post will focus exclusively on books about behavioral finance to help us make fewer mistakes when it comes to investing, managing and spending our hard-earned money. The Best Behavioral Finance Books […]

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