Investments

Wall Street Watch Thursday: Kayak Floats Downstream

First impressions matter, especially these days when many high profile IPOs are falling out of favor with the same investors that couldn't wait for these dot-com darlings to go public. Kayak Software has only been public for a month, but it's already paddling in the wrong direction.

Forget the 4% Rule: Retirement's Common Wisdom Is Obsolete

Get ready to play the retirement game even more cautiously: The common wisdom that a 4% annual withdrawal rate is the safe way to avoid outliving your money is increasingly coming under fire. In fact, it may well become a thing of the past.

Congress Tries to Police Itself on Insider Trading

Aware that most Americans would like to dump them all, members of Congress hope to regain some sense of trust by subjecting themselves to tougher penalties for insider trading and requiring they disclose stock transactions within 30 days.

Social Security Benefit Is Barely Minimum Wage

Good news: Retirees will get a 3.6% Social Security cost-of-living adjustment in 2012 -- their first boost since 2009. Bad news: The average benefit is $1,229 a month, about the equivalent of working for minimum wage.

Secrets of Investors Who Keep Their Cool in Chaos

With all the ups and downs in the stock market in the last week, it's not surprising that some investors have panicked. But we've also found examples of investors who have kept calm. Here are some of their secrets.

Investment Tips: How to Tame the Wall Street Beast

Amid plenty of uncertainty, investors are looking for strategies that will make them wealthy. But you should forget about the idea of getting rich quick and focus on diversity, according to Larry Light, author of the new book, Taming the Beast: Wall Street's Imperfect Answers to Making Money.

Stock-Based Loans: Quick Cash, but Watch Your Assets

If you need cash and have investments you don't want to sell, a stock-based loan may sound like a good idea. But the unregulated stock-based loan industry can be a risky way to tap into the value of your portfolio, warns the Financial Industry Regulatory Authority.

What Everyone Ought to Know About Roth IRAs

Though it has been part of the retirement investing landscape for more than a decade, many people still don't understand the Roth IRA, or what it can do for them. DailyFinance's Sheryl Nance-Nash clears up the myths and misunderstandings about this tax-advantaged savings vehicle.

Yes, Emerging Markets Still Hold Promise

The moods that dictate underlying prices can quickly swing from one extreme to the other and that creates opportunities for investors. For instance, the rush back to domestic markets is leaving opportunity on the table overseas again.

Why the Markets Won't Be Going Anywhere Fast

The months-long pattern of sleepy, range-bound trading is likely here to stay -- at least until the midterm elections, says Jason Weisberg, a trader and senior vice president with Seaport Securities Corp.

Labor Department Issues New Rules on 401(k) Fees

New rules mean that companies that provide 401(k) plans and services to employers will have to spell out their fees. Over 10 different types of fees and expenses can be charged against a 401(k) account for services such as recordkeeping and administration, according to The Associated Press. Many account holders don%u2019t realize the fees exist, as they are often taken out the account%u2019s investment gains.

Masters' Select: Diversification -- with Risks

The Masters' Select Equity Fund, managed by Jeremy DeGroot, aims to take a big decision off your hands by investing across five investment styles and cap sizes. But an investor in this fund would be exposed to one big risk -- active stock picking.

Retirement Tips for Creating Right Asset Allocation

No matter what retirement savings vehicle you're using, whether it be a 401(k), Roth IRA or traditional IRA, you can easily set up automatic contributions each month. But that doesn't mean your role in the retirement savings game is over. You will also need to determine how you want that money to be invested.