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Investing Archives - Page 15 of 15 - Wealthspire | Page: 15

margin

The Many Uses of Margin Loans

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Margin refers to an investor’s use of leverage relative to his or her own assets. In other words, it’s “borrowing from your broker,” with your portfolio assets serving as collateral for the loan. How it Works Per the Federal Reserve's Regulation T, each marketable security in your investable account is given a “maintenance rate” which stipulates the maximum borrowing rate. For example, a maintenance rate of 50% indicates that an investor can borrow up to half of the security’s value. Note that retirement accounts are not eligible to be margined. Once you have activated the ability to take margin on…
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donor advised funds investing

What Should I Do With My Old 401(k)?

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It’s a question that comes up often – what should I do with my old 401(k)? There is no one-size-fits-all answer, and responses provided by financial advisors will be increasingly scrutinized if the Department of Labor’s (DOL) fiduciary rule is enacted. The rule mandates that advisors providing retirement advice act in the best interest of the client, which is called a fiduciary responsibility. The purpose is to protect retirement funds from professionals looking to profit at the expense of investors’ interests and ensure that the advice investors receive is right for them. Wealthspire Advisors, which has been a fiduciary since…
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behavioral finance

Our Habits Matter

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My five month old daughter is just beginning to understand the concept of cause and effect. She is learning that when she shakes her rattle it will make a sound and that when she giggles mommy and daddy will make a big fuss. In these small ways she is starting to form her first conceptions about the world around her. These initial observations will create the foundation for the development of her very first habits. While we have more control over our actions than a five month old, the reality is that our habits evolve in exactly the same way. When we observe…
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