A sample of some of the Q&A you can find there is below:
User: Do lower interest rates increase investment spending?
Brian: Generally speaking, yes. Lower interest rates mean that the cost of borrowing money is cheaper. People/Corporations/Etc. borrow the cheaper money and invest it in all sorts of things.
User: Do mutual funds pay dividends or interest?
Brian: It depends on the mutual fund. Some pay only dividends. Some pay only interest. Some pay both.
User: What are the risks of rolling my 401(k) into an annuity?
Brian: One risk to consider is interest rates. If you go with an annuity now, chances are good that you’ll be locking in a relatively low interest rate. Depending on the terms of the annuity, you may be stuck with receiving payments based on that lower rate for quite some time.
Beware! Annuities can be tricky…be sure to read the fine print (or have a trusted advisor do so on your behalf).
Brian Littlejohn is the Founder and CEO of Sherwood Investment Management, a fee-only financial advisor firm in Sonoma County, California. Brian is a CERTIFIED FINANCIAL PLANNERTM professional who specializes in investment management. He holds a MBA and a Master’s Degree in Financial Analysis. He has over a decade of experience helping clients achieve their financial goals and frequently teaches investing and financial planning courses as an adjunct professor.