risk

7 Tips for People Who Will Retire in 2013

The oldest baby boomers will turn 67 in 2013. Many of this first wave have already retired, while others may be contemplating taking the plunge this year. Here are some tips for those planning to retire in 2013:

Borrowers Beware: 401(k) Loans Hold a Hidden Risk

If you're in financial trouble, borrowing from your 401(k) may look smart -- at first. There's no application process, and the low interest you pay goes back into your account -- you're paying it to yourself. Unfortunately, those benefits come with a catch.

Painless Investing: Why a New Generation Will Dive Into Stocks

Many Americans have been spooked out of the stock market by Great Recession and its aftermath. But despite their apprehensions, the children of the baby boomers are actually eager to jump into stocks -- primarily because they weren't burned personally by the crash.

Ponzi Scheme or Not, Social Security Is Going to Shrink

Social Security's trust fund is in the long, slow process of collapsing because it won't have enough funds to pay its promised benefits. Sound like a Ponzi scheme? Perhaps, but at least this "scheme" is one in which you can come out ahead -- especially if you start preparing now.

Economic Woes Are Jeopardizing Americans' Health

In this economy, people aren't just cutting out luxuries, nearly half of Americans are skimping on necessities like medication and doctor visits -- drastic actions that could be dangerous to their health.

Social Security IRAs: A Partial Fix to Reform Problem?

While Congress and President Obama battle over ways to "fix" Social Security, the small conservative seniors group the Association of Mature American Citizens sees a possible solution to part of the reform brouhaha -- a Social Security IRA. In a recent poll, 80% of the members of the small group that bills itself as "the conservative alternative to AARP," said they support the idea of a Social Security IRA being part of a comprehensive Social Security reform package.

Investors Are Keeping Their Eyes on the Wrong Ball

There's a frenzy of stock buying going on now, because no one wants to be left out of the stock market recovery. But all those who are betting on short-term gains are engaged in what I call "wrong ball investing." Here's how to keep your eye on the right ball.

Five Investing Rules You Can Learn From Kids

Looking at investing from a child's perspective can be eye-opening. And you don't need to have kids of your own to learn these lessons. Here are five tips for learning how to think like a child -- and how to turn that into making some grown-up profits.

Keep Risk at Bay While Moving Back to Stocks

For investors, fear of losing money in the stock market is finally giving way to the reality that they may actually be losing money in low-yielding investments. So the move back to stocks if underway. But the key is do so safely. Here's some timely advice.

Borrowing Trouble at Microlender Prosper.com

Peer-to-peer lending site Prosper.com has stopped letting high-risk borrowers use its site because too many of them failed to repay their loans. The site's problem, says columnist and one-time lender Alex Salkever, is that Prosper got in the way of letting a social bond form between microborrower and microlender.

New Year Hurdles: Top 10 Challenges for CEOs in 2011

With the recession over -- in a sense, anyway -- some CEOs are just happy to still be standing. After three years of turmoil, there's even cautious optimism about the year ahead. But for those whose job is to steer a company to profits and growth, there are plenty of worries ahead. Here's our list of top CEO challenges for 2011.

How to Profit From Earnings Report Surprises

Buy-and-hold investing has been a loss for the last decade, and low-risk options will never get you the returns you'll need to retire in style. So how can you find real profits in the market? As venture capitalist and business guru Peter Cohen explains, the answer may be in anticipating surprises.

Beware: Credit Markets Are Getting Risky Again

Investors hungry for higher yields are flocking to the credit markets, putting junk-bond issuance on a record-setting pace. And lenders are loosening credit standards, while companies take on debt just because it's cheap. Here we go again?

Regulators to Take Aim at Bank 'Window Dressing'

Regulators may outline new rules to target so-called window dressing, a practice that some banks use to temporarily reduce their debt levels before reporting their finances. The SEC is scheduled to raise the matter at a meeting on Friday, then issue proposals for public comment, The Wall Street Journal said.

IPOs Are Coming Back Strong in 2010

IPOs increased last quarter to their best pace since the financial crisis began, and the pipeline is filled with highly anticipated new offerings. It's a sign that markets are more willing to finance long-term growth, and that investors are again willing to take risks for higher returns.

FDA Panel Scrutinizing Diabetes Drug Avandia

On Tuesday, the FDA will convene a panel of experts to discuss GlaxoSmithKline's type II diabetes drug Avandia. Once a blockbuster, sales of the drug have dropped by more than half since studies suggested it significantly increases risk for serious heart problems.

2008 Meltdown Vs. the S&L Crisis: Which Was Worse?

In the late '80s and early '90, more than 1,000 savings & loans failed in a financial crisis that cost the government $220 billion to resolve. By contrast, it looks like TARP will only cost the government $105 billion. So is the current financial crisis only half as bad? Not bloody likely.

Risky Business: Derivatives Dwarf the World's GDP

One of the biggest risks to the world's financial health is the $1.2 quadrillion derivatives market. It's complex, it's unregulated, and it ought to be of concern to world leaders that its notional value is 20 times the size of the world economy.

As Fear Returns, Can Dow 10,000 Hold?

If Dow 10,000 really is a key psychological level, then traders best call their shrinks. The major averages, already on a four-week losing streak, face anxiety over the Euroland debt debacles and waning earnings momentum. In other words, brace yourself for Dow 9,000 and change.

Hot New Debt Securities

There was a time not long ago when nobody knew what an ETF was. Now, just when you've gotten accustomed to ETFs, you've probably begun hearing a bit of buzz around their cousins, the ETNs: exchange-traded notes. Here's what every investor should know.