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Money

Is the Risk Really Being Managed in your 529 College Savings Plan?

Is the Risk Really Being Managed in your 529 College Savings Plan?
BY DAVID J. SEIBEL
SPECIAL TO NEWJERSEYNEWSROOM.COM

As our kids get within a few years of going off to college the desire to make more money in their 529 college savings plan should be replaced by the need to protect what you have. If you’ve done a good job planning you should be at, or very close, to your goal. The benefit of a few dollars more is far outweighed by the risk of not having enough if the investments were to decline in value.

Managing the Risk in your 529 Plan

Since many of us don’t have the financial background necessary to manage investments and financial risk, the companies that sponsor the 529s give us the choice of having them manage the risk through the use of Target Date Funds (TDFs). The premise of the TDF is that as you get closer to the date you need the money (the target date in the fund name), the manager reduces the risk in the fund. Conventional wisdom tells us this means moving out of stocks and into bonds. We all grew up being told that stocks are risky and bonds are safe(er), right?

 

Sharing Income Equality

Sharing Income Equality
BY JOE SINAGRA
NEWJERSEYNEWSROOM.COM
COMMENTARY/OPINION

A major cause of “income equality” to the extent it exists today . . . New jobs that were created during the recent recession are paying far less t...

Extending N.J. Urban Enterprise Zone Perks to Continue City Revitalizations

Extending N.J. Urban Enterprise Zone Perks to Continue City Revitalizations
BY JENNIFER SCIORTINO
SPECIAL TO NEWJERSEYNEWSROOM.COM

TRENTON – Assemblyman Reed Gusciora has introduced legislation to help a number of New Jersey cities, including Trenton, continue to benefit from t...

4 Reasons Kean University Accused of Trying to Steal From Taxpayers

4 Reasons Kean University Accused of Trying to Steal From Taxpayers
BY BOB HOLT
NEWJERSEYNEWSROOM.COM

Kean University is looking to expand, and wants to become one of the finest colleges in the U.S. Union Township Mayor Manuel Figueiredo says the school wants to grow at...

Dead People Win Lottery in New Jersey

Dead People Win Lottery in New Jersey
BY BOB HOLT
NEWJERSEYNEWSROOM.COM

You can’t take it with you, but a percentage of people who win good money in New Jersey lottery games are certainly trying.

An audit of the New Jersey Lottery system has...

How to Prepare for the Next Financial Crisis

How to Prepare for the Next Financial Crisis
SPECIAL TO NEWJERSEYNEWSROOM.COM

Despite the happy talk from President Obama, a surging stock market that has more than tripled since its March 2009 bottom, and skyrocketing real estate prices in many ...

Investment Rip-Off: Charged with Stealing $175,000 from Elderly Widow

Investment Rip-Off: Charged with Stealing $175,000 from Elderly Widow
BY ZACH HOSSEINI
SPECIAL TO NEWJERSEYNEWSROOM.COM

TRENTON – Acting Attorney General John J. Hoffman and the Office of the Insurance Fraud Prosecutor (OIFP) announced yesterday that a Toms River investme...

Taxes in the Cyber Age: How to Protect Your Identity This Tax Season

Taxes in the Cyber Age: How to Protect Your Identity This Tax Season
BY BECKY FROST
SPECIAL TO NEWJERSEYNEWSROOM.COM
The majority of taxpayers will prioritize protecting their personal information this tax season, yet some safeguards go underused, according to a new surv...

Valentine's Day Land Sale: Newark Lots will be Sold to Couples for $1,000

Valentine's Day Land Sale: Newark Lots will be Sold to Couples for $1,000
BY YASMINA DARDARI
SPECIAL TO NEWJERSEYNEWSROOM.COM

NEWARK – Mayor Ras J. Baraka, the Newark Municipal Council, and Deputy Mayor for Economic Development Baye Adofo-Wilson announced today that the City ...

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