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Rating 4.1 diversi cation as, 189 190 familiarity as, 190 191 nancing access as, 188 189 hard asset as, 189 leverage as, 191 192 payo s as, 192 193 tax bene ts as, 194 195 Real estate, disadvantages of easy nancing as, 197 198 illiquidity as, 197 interest costs as, 198 200 less rational than stocks as, 196 long time horizon of, 196 money commitment as, 200 mortgage rates as, 198 Real estate funds, 154 155 Rebalancing, 306 307 REITs (real estate investment trusts), 12, 200 202, 264, 311, 320 Reports See Research resources, for stock Research resources, for stock, 216 228 annual reports as, 221 balance sheets as, 72, 222, 223, 255 Bigchartscom as, 220 cash ow as, 225 227 challenges of, 71 74 income statement as, 72, 221 225 Morningstar as, 217 219, 233 234, 237 238, 247 250, 260 264, 266, 274, 283 Standard & Poor s as, 220 221 10-K report as, 227 228 10-Q report as, 227 228 Zacks Investment Research as, 219 220, 228 229, 232 234, 237 238 Resources See Natural resources funds; Research resources, for stock Restrictions, 178 179 Retirement Con dence Survey, 24 Retirement plans See also 401(k); IRAs 529s, 3, 5 403(b)s, 3, 5 457s, 3, 5 self-directed, 5 6 Return See also Total returns annualized, 81, 88, 92, 122 asset allocation increasing, 294 295 on bonds, 46 47 on equity, 230 231, 232 of investors, 7 9, 17 of long-term investors, 80 81, 92, 101 102 pdf text editor free online chromePDF - Free Online PDF Editor
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