Bruce Kuczinski's Page

Are there disadvantages to fixed returns?
Should you consider the potential of the stock market?

Many retirees and pre-retirees are drawn to fixed annuities and CDs because they do not want to assume much risk. After all, there is no stock market risk involved with these fixed-return investments. Some people use them as their only vehicles for retirement planning.

But stepping out of the stock market altogether may not be such a good idea. In fact, for some it could be a serious retirement pla… Continue

For many people good citizenship involves, among other things, doing their part for the environment by driving fuel-efficient cars, buying fair trade and/or organic foods, recycling their garbage or using energy-efficient light bulbs and appliances. It is also possible to promote good corporate citizenship through socially responsible investing (SRI), also known as “green” investing. SRI gives corporations an incentive to improve their social and environmental stewardship.

Socially responsible… Continue

Who have you chosen to inherit your assets?
It may be wise to review your choices.

Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity?

You may be able to answer such a question quickly and easily. Or you may be saying, “You know … I’m not totally sure.” Whatever your answer, it is smart to periodically review your beneficiary designations.

Your choices may need to change with the times. When did you open your first… Continue

A retirement plan, that is. Without one, business owners may miss out on attracting the most qualified employees.

Do you own a small business? If so, what do you think of your staff? Do you have the best and the brightest working for you? A good rule of thumb is this … take good care of your employees, and they’ll take good care of you. If you value your employees, you should give some thought to their futures. Have you considered their retirement needs? And on the flip side, if y… Continue