Residency to Retirement

Investing is challenging, and the task has become increasingly difficult as our access to information has evolved during the past decade.

Investing in bonds may seem boring and not sexy like buying individual stocks, but bonds help provide diversification and stability to one’s portfolio.

For high-income earners, including physicians, getting funds directly into a Roth IRA or other after-tax accounts can be a complex challenge.

Investing, compound interest, dollar-cost averaging — these concepts seem more mathematical than mental.

Why not just invest in one stock and let it ride? That works well if you bet the farm on Apple in 2010 and watched your fortune explode 30 time during the last 14 years.

When investing, time in the market is arguably as important as well-publicized factors, such as rate of return, initial amount of investment (principal) and costs of investing.

A common question we receive every 4 years is: How will the election impact my investments?

Time in the market is far more important than timing the market. Long-term investors will utilize both the strategies of dollar cost averaging and lump sum investing to reach their investment goals.

One important investment vehicle to understand when working toward slow and steady growth is the index fund.

Most physicians receive a regular paycheck, and sometimes receive a lump sum such as a bonus. A proportion of both should be invested. How should one invest a portion of their regular paycheck?