Stuart Ritter, a financial planner and assistant vice president of T. Rowe Price Investment Services, has been with the firm since 1998. Stuart currently helps design, build, and implement guidance and advice services for our investors. A frequent contributor to T. Rowe Price publications, he also has appeared on ABC News, Fox Business News, and National Public Radio and has been quoted by The Wall Street Journal, Money magazine, and various other national news organizations.
In addition to teaching a personal finance course in Johns Hopkins University’s Entrepreneurship and Management Program, Stuart has taught at Howard Community College and the University of Maryland’s Robert H. Smith School of Business. He holds a B.S. in electrical engineering from the University of Maryland, College Park and an M.A. in political science from American University.
March 5, 2010
Recently, many investors have reacted with dismay at the historically low yields on money market funds. As a result, some individuals have been substituting short-term bond funds for their money funds. While this may 'feel' like a good strategy in the short-term, there are two aspects of this approach investors need to be aware of. Read More
November 27, 2009
We just had our third.
She arrived Monday, November 9—joining her big sister, age five, and brother, age three and a half. Like most parents of a newborn, we’re wrapped up in the day-to-day routine of just keeping everyone happy.
The financial issues, though, aren’t far from our thoughts. How do we pay for all this (I’d forgotten how many diapers a newborn goes through.) And what other major financial responsibilities should we be focused on? Read More
October 13, 2009
To help you eliminate your debt, the most powerful tool you have is the amount you're able to pay every month. Too often, people focus on which debt to pay first, negotiating interest rates, etc.—all of which can help—but skip over the one thing that helps more than anything else. So while it may seem counterintuitive, the place to start with eliminating your debt likely has nothing to do with the debt itself. Instead, your initial step should be to look for ways to increase your income and/or decrease your expenses so the extra money can be put toward the debt. Read More
September 1, 2009
It's a good idea to review your portfolio at least once a year to ensure that it still has the appropriate allocation for your time horizon. During periods of increased volatility, whether the market is going up or down, your portfolio will most likely drift from your target asset allocation. But you should take care not to react to every market cycle. Read More
June 30, 2009
As of December 31, 2008, the Standard & Poor’s 500 Stock Index (S&P 500) had lost 37% over the previous one-year, a number that has received a lot of attention. Because -37% is the lowest calendar year return in the last 50 years, the attention is warranted. At the same time, that return may be distracting investors from a number that could be even more important to them. Read More
Feedback