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Don’t Gamble With Your Retirement
(Main Content/blog)
... investing is one of the biggest mistakes you can make. Yes, your investment portfolio might make a nice jump in the short term, but just like at a blackjack table in Las Vegas, big initial gains can blind ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... to the funds that aren't spent? There's now a new answer to that question, and in my view it makes 529 plans a lot more attractive. Under the SECURE 2.0 Act of 2022, as much as $35,000 can be rolled ...
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How to Invest This Election Year
(Main Content/blog)
... seize opportunities. In presidential election years, the market volatility tends to be front-loaded into the first half of the year. That's when candidates, campaigning in the primaries, tend to make ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... to the fact that even with the tax bill, families that make use of it are likely to come out way ahead. Please don't hesitate to get in touch with us if you'd like to learn more about transferring wealth ...
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Tax-Loss Selling is Losing its Luster
(Main Content/blog)
... 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
(Main Content/blog)
... selective about what you buy, to avoid taking big swings on risky stocks, and to make sure your portfolio contains companies that are strong enough to make it through some turbulence. Remember that there ...
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The Big Question: When Can I Retire?
(Main Content/blog)
... The extra-bad one is to have to move in with your kids, or worse. So it’s important as you save for retirement to make sure you're on track to reach your goals. But you shouldn’t rely on rules ...
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How to Fix Your Retirement Savings
(Main Content/blog)
There are all kind of reasons that people don't save for retirement, or fail to save enough. Retirement may seem far away. The rising cost of living may make it hard to find extra money. And life can ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... you don't need to touch for at least five years, it makes sense to stay invested in the stock market. Short-term volatility is the rule in the stock market, not the exception. Between 1946 and 2022, the ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... that issue them can ensure that they make a profit. In other words, you can leave money on the table with an index annuity. Finally, annuities can create bad tax situations for both their owner and any ...
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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... by bad stretches in the market or good ones. But investors who react to each instance of bad news by buying and selling probably won't make much money over time, and may end up losing money. The more ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
... and piled into stocks, causing once-balanced portfolios to become lopsided—and riskier—in favor of equities. Now is a good time to take a fresh look at your portfolio, and to make sure you have enough ...
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How to Get Back into the Market
(Main Content/blog)
... over time, good companies are going to grow and make money, and that they as investors will ultimately benefit. Now for what to invest in. The first step in figuring that out is to, again, pull back. ...
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Five Predictions for 2023
(Main Content/blog)
... begin to lower interest rates, and when that happens, lower yielding bonds will come into circulation. That will make higher-yield bonds more attractive by comparison and prompt their prices to rise on ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... 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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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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... month. Make no mistake, 8.5% inflation is very bad for consumers. Our grocery bills are 8.5% higher than they were a year ago. But for investors, what counts is the direction of inflation. While the ...
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Is the Next Stock Market Catalyst Taking Shape?
(Main Content/blog)
... earlier. Gas prices make up less than 6% of the Consumer Price Index, but they are exceptionally volatile, and as they filter through the economy, they ultimately affect the price of all kinds of ...
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A Bad Time to Be Over-Diversified
(Main Content/blog)
... as they add supply to the market, they drive down the price of the stock before it's all been sold. On a related note, many funds require each of their holdings to make up at least half a percent of ...
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A Big Market Shift is Underway
(Main Content/blog)
... If you’d like to make sure your investment mix is putting you in a position to succeed, don’t hesitate to get in touch. ...