In the mid-eighties, Subway opened in my small hometown offering a fresh, healthy alternative to traditional fast food. My friend and I would ride our bikes two miles, cross a busy highway, and pass multiple other fast food restaurants to get a sandwich. Subway continued to brand their stores as
Many investors remain complacent with their portfolios. This can be due to many factors including restraints on time, knowledge, or a lack of available information. Although I am not an advocate of timing the markets, understanding how your investments work and taking calculated actions can produce a more productive portfolio.
There was a time not too long ago when professors and university employees had one choice for their retirement plan provider – TIAA-CREF. Unlike the private sector, many university employees now have more than one choice to invest their retirement accumulation. Starting around twenty years ago, universities started offering multiple retirement