Kiplinger's Personal Finance

June 2010

June issue of KPFM

Cover Story

Portfolios That Fit Your Needs

We've tailored plans that can be customized to suit young, mid-career and retiree investors.

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Table of Contents

AHEAD

From The Editor

Our money survey reveals what really matters to Americans these days.

In the Works: A Financial Cleanup

Look for new rules to protect consumers and give shareholders more influence.

Nine Easy Numbers Away From ID Theft

The Social Security code is a cinch for hackers to crack.

Money & Ethics

Gaming the new rules of health insurance, by Knight Kiplinger

As Seen on TV: Unreal Real Estate

Ads that promise big gains with no money down are back on the air.

Your Tax Bill for the Health Bill

High earners will pay more on wages and investments.

Rude Awakening for New Grads

Freebie bank accounts end when students leave college.

My Point of View

No oil imports? No way, by Knight Kiplinger

Health Reform, Phase 1: What You Will See When

Most changes are years away, but young adults, retirees and people with medical issues will benefit from the new law this year.

Discovering Value

Our investing decisions, just like our eating habits, are susceptible to biases and manipulation, by Whitney Tilson and John Heins

Real Money: Dividing a Legacy to Meet Two Goals

This young woman’s inheritance needs to secure her future as well as pay for graduate school now.

Opening Shot

How to play defense, by James K. Glassman

Your Mind and Your Money

Break out of the mold, by Robert Frick

INVESTING

Portfolios That Fit Your Needs

We've tailored plans that can be customized to suit young, mid-career and retiree investors.

Design Your Perfect Portfolio

Consider these 14 asset classes. Begin with the basics, then customize.

Great Rates in a Low-Yield World

Tired of measly returns? Get out of the money-fund rut and into these 18 high payers.

Going Long

Health taxes and stocks, by Jeremy J. Siegel

Foreign Stocks Pay Dividends

We found five ways to capitalize on global dividend growth.

The Lure of Little Turnover

Holding down trading keeps a lid on costs and can reduce the tax bite, too.

Cash in Hand

Buy U.S. agency bonds, by Jeffrey R. Kosnett

Flexibility Fuels This Power Play

With about one-third of its money in foreign stocks, this fund is not for the risk-averse.

Mutual Funds

The high court on fees, by Russel Kinnel

MONEY

Smart Moves for Life’s Big Events: Tying the Knot

As you plan your lives together, come up with a strategy to merge your finances, too.

Smart Moves for Life’s Big Events: Starting a Family

Children are expensive. Fortunately, tax breaks can help pay the bills.

Smart Moves for Life’s Big Events: Moving Into Midlife

When the kids are launched on their own, it’s time to refocus on your needs.

Smart Moves for Life’s Big Events: Easing Into Retirement

Before you ditch the daily grind for good, do a complete benefits checkup.

The Latest Blow: Shrinking Pensions

Some new retirees may get smaller payouts as employers struggle to fund pension plans.

Public Pensions: The Trillion-Dollar Hole

Some states are scaling back their retirement plans to help close the funding gap in their pension systems.

The Top College Savings Plans

Our guide to 529 plans, plus a list of Kiplinger's state-by-state picks.

Long-Term Care That Falls Short

Benefits from the government's new program won't cover the cost of a nursing-home stay.

What It Takes to Get a Mortgage

Rates are still low, but you’ll have to jump through a few hoops to qualify.

LIVING

Great Used Car Bargains 2010

Good deals are harder to find, but our strategies can help you trim the price.

Hassle-Free Car Buying

Leave the haggling to someone else.

The Lowdown

What you need to know about renting a car.

My Story: Lessons Learned in Going Green

Peter Goldstein started a hands-on program that teaches high school students about recycling and entrepreneurship – and that even pays off.