Runnymede Blog

Three Reasons to Combine Old 401k and IRA Accounts

Submitted by Andrew Wang on Fri, 12/19/2014 - 03:10

7027595775_3738f2757e_zIt is not uncommon to have multiple 401(k) accounts after switching jobs several times over a career. According to a Fidelity survey, almost a third of people who transitioned jobs were not sure what to do with their old 401(k) or 403(b).1 Changing jobs is a busy time so thinking about what to do with your old 401(k) is often not a priority. If you are among the many busy people who have multiple retirement accounts at different firms, this post is for you.

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The Winners and Losers of Falling Oil Prices

Submitted by Chris Wang on Mon, 12/1/2014 - 02:37

Since June, oil has been oilpricedown.storyimageon a sharp decline from $107/barrel to $67/barrel. Thanks to slowing global growth and OPECs reluctance to cut supply, oil prices have fallen to their lowest levels since 2009. As a consumer it is wonderful to see gas prices around $2.50 again. It's been a long time coming. You often read that consumer stocks are the big beneficiaries of falling oil prices but is this truly the case? Let's take a quick look at the potential winners and losers of falling oil prices...

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Giving Thanks for Family, Food and... the US Economy?

Submitted by Andrew Wang on Thu, 11/27/2014 - 11:00

asset allocationFor many, Thanksgiving is about traditions. It's a time for traveling to spend time with family and friends. It's about sharing favorite recipes - turkey, stuffing, and grandma's famous pie. It's about community, gathering locally to watch a high school football game or watching a game huddled around the family TV. At our house growing up, my parents always hosted family as well as friends who did not have family nearby. We look forward to doing that again this year. Thanksgiving marks a return to a simpler time, providing temporary solace from a volatile world full of geopolitical risks, racial tensions and economic worry.

Today, I give thanks to friends, family, food, football and... yes, the US economy.

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3 Steps to Protect Your Brokerage Account From Cybercriminals

Submitted by Chris Wang on Fri, 11/7/2014 - 11:44

hackerWe are all aware of the increasing risks of cybercrime. Target, Home Depot and other major retailers have exposed the vast majority of Americans to cybercriminals; but most of us haven't seen the after effects... at least not yet. Therefore it is of utmost importance to protect your personal data as much as possible because you don't want to have your identity stolen. To do this you must stay ahead of the curve and more importantly ahead of the criminals.

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US Service Sector growth slows in October

Submitted by Chris Wang on Wed, 11/5/2014 - 12:51


The US service sector slowed more than expected in October, marking the second straight month of slower growth and its lowest level since June. However employment hit a new nine-year high. The survey showed the key service sector, which accounts for roughly two-thirds of US GDP, remained solidly in growth mode.

The Institute for Supply Management (ISM) reported that its service index fell to 57.1 from 58.6 in September. This was slightly below economists' forecasts of 58. This marks the 57th consecutive month of growth. A reading above 50 indicates the sector is expanding.

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The Bull Market is on Borrowed Time

Submitted by Chris Wang on Tue, 10/14/2014 - 04:00

Over the last month, the bull market looked to be running on tired legs. Small cap stocks (Russell 2000 Index) fell 11% since the beginning of September while the S&P 500 dropped 7%. Many investors have been waiting for a much needed breather in the market runup; however now people are asking, "Is this bull market over?" The obvious answer is definitely maybe.

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Top 10 Blog Posts (Q3 2014)

Submitted by Andrew Wang on Thu, 10/2/2014 - 11:11

top10-blog-posts-600pxIf you do not have time to read everything that we publish, at least read these 10. "Best" is rarely the same as "popular," but here we let the market decide. According to our readers, these are the best Runnymede blog posts of the third quarter of 2014:

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7 Things To Do Right Now Because Your Personal Data Is Under Attack

Submitted by Andrew Wang on Tue, 09/30/2014 - 07:30

With the popularity of social media and increased time spent online, many of us have willingly sacrificed our privacy in order to keep in frequent contact with friends -- sharing photos and details about where we ate dinner last night. However, it is the growth in our online shopping habits and preference to use plastic over cash that have increased our vulnerability to identity theft.

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Will Fear of Deflation Bring More Quantitative Easing?

Submitted by Chris Wang on Thu, 09/25/2014 - 02:41

In janet-yellen-deflationJanuary 2012, the Fed outlined its 2 percent goal for inflation. But despite buying more than $4 trillion in bonds since 2008, inflation has remained stubbornly below that goal. Because of this I am beginning to wonder if the Fed will consider turning quantitative easing back on for another round of asset purchases in 2015.

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An impartial review of the Security Benefit Secure Income Annuity

Submitted by Chris Wang on Mon, 09/8/2014 - 04:07

annuitiesThe annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

Today I will dig deep into an indexed annuity which has been booming in popularity in recent years. Sales of indexed annuities, a fixed annuity that provides a minimum guaranteed rate of interest combined with an interest rate tied to movement of an index, increased to $39.3 billion in 2013, a 17% gain year over year. This is the biggest percentage increase of any form of annuity.

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