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Don’t Gamble With Your Retirement
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Looking for an investing shortcut that will change your life? You've got plenty of company. Especially when we hear about things like hot stocks or genius fund managers or soaring cryptocurrencies, it's ...
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Good News: Rolling College Savings Balances Into IRAs
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... can only be $5,000. The new rollover rules, and the age-old power of compounding make contributing to 529 plans a lot more attractive than they used to be. Please reach out to us if you'd like to learn ...
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How to Invest This Election Year
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Investors often worry about poor stock returns during election years, and that's not surprising, given the idea that markets dislike uncertainty. But while election years are often volatile, the truth ...
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How to Protect Your Heirs from Strict New IRA Rules
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... like: The government wants taxes to be paid, and for taxes to be paid, withdrawals must be made. So it requires chunks of money to be withdrawn every year starting at age 73. The stretch strategy was so ...
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Tax-Loss Selling is Losing its Luster
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... to be more selective this year and won't sell positions that I like purely for the tax benefit. I'll harvest tax losses where it makes sense; for example with positions that I've lost confidence in. But ...
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We're Not Out of the Woods
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... of rising mortgage rates. The unemployment rate is low but has started to creep up, from 3.5% in July to 3.8% in September, and it’s likely to continue rising. A big worry is the fact that many ...
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The Big Question: When Can I Retire?
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... expenses can give you an idea of what your spending will look like in retirement, for example. But the right savings target for each individual depends on personal factors. How long are you likely to live? ...
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How to Fix Your Retirement Savings
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... throw you expensive curveballs, like health crises and divorce. Before you know it, you're 40 or 50 years old and you're not on track to retire when you'd hoped to. Often, the real reason people end ...
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Why You Should Be Invested Right Now
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... return to help pay for goals like retirement. For short-term investments, the best savings accounts are paying 4.5% annualized interest or even a little more. That's enough to beat inflation and protect ...
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Here’s Why I’m a “No” on Annuities
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... promise of predictable income streams, look like a safe haven. In addition, those rising interest rates have also translated into higher annuity payouts. Early in my career I really liked annuities. ...
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“Sell in May Go Away” is Not the Way
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... that companies have jacked up their prices and then some. And while businesses' costs—for things like raw materials and labor—have started coming down, they're not passing those savings on to customers. ...
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Take the Long View, Ignore the Scary Headlines
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... that seems less and less likely. Recession? Investors and business leaders have been predicting a recession since early last year and it hasn't happened yet. If it does, there are indications that it may ...
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Improving Bond Yields and the Case for Rebalancing
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... to the Federal Reserve's campaign of raising interest rates to fight inflation. And while the bond market as a whole is flat, fixed income is once again looking like it belongs in investment portfolios. ...
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How to Get Back into the Market
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... now, but you're likely a lot more confident that it will be higher in five years. The important thing is that you have money in the market so that you benefit from long-term market appreciation. If you're ...
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Five Predictions for 2023
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... the future, I think it's likely that things will improve at least a little bit. Here are my five predictions for 2023. 1. Interest rates will level out. The Fed moved its benchmark fed funds rate, which ...
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Putting the Market’s Drama in Context
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... owning good companies over long periods of time. And this happens to be a very good time to make sure that the holdings in your portfolio are optimized to get you where you'd like to go. Investors should ...
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Fighting Temptation in a Volatile Market
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... are always powerful forces when it comes to investing, and they are exacerbated in times of stress. If you're investing money that you won't need for several years, your best move is likely sitting tight ...
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Understanding the Fed’s Rate Hikes and the Market
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... interest-rate increases as a result. Two positive inflation readings in a row would make that scenario a lot more likely. That's not what happened, unfortunately: The Sept. 13 inflation report showed ...
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Better Inflation News Spells Opportunity
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... rate of price increases is still high, it looks like it might have peaked in June. The stock market rallied more than 4% over the subsequent week before giving back some of its gains. The takeaway here ...
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Is the Next Stock Market Catalyst Taking Shape?
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... in the price of goods and services. And though it’s far from scientific, I noticed a sharp difference between my past two grocery bills. What’s causing the decline in commodity prices? Most likely it reflects ...