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Don’t Gamble With Your Retirement
(Main Content/blog)
... us to the fact that big losses lie ahead. As Warren Buffett said, "The stock market is a device for transferring money from the impatient to the patient." Successful investors invest based on the answers ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... they wind up with leftover 529 funds, these beneficiaries can now use that money to jumpstart their retirement savings in a Roth IRA. By starting young, they can use the power of compounding over several ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... 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 So it requires chunks of money to be withdrawn every year starting at age 73.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
(Main Content/blog)
... popular because it's essentially free money: Stocks (or bonds in some cases) are sold at a loss in order to offset the capital-gains tax bill created when winners are sold. The result is that your tax ...
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The Big Question: When Can I Retire?
(Main Content/blog)
"When is the right time to retire? And how much money will I need so be sure I’ll never run out?" Those are perennial questions asked by every Americans who doesn’t intend to work until they ...
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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)
... about 4% a year. Whether your cash is intended for short-term or long-term use, it should be invested right now. There are good yields right now on short-term bonds and money market funds, and even CDs ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... advice about investing and financial planning. Annuities also lock up your money, typically for five to 10 years. During this "surrender period," if you withdraw more than a certain percentage of your ...
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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... pulled all their money out of bank stocks, or even the entire market. But what's interesting is that amid all of 2023's scary headlines, the stock market's up almost 6%. Scary headlines can be accompanied ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
... Could bonds have more bad years? Of course; no investment is guaranteed to make money. But positive yields mean better overall returns. Safe, short-term treasuries are yielding as much as 5% right now; ...
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How to Get Back into the Market
(Main Content/blog)
... 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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Fighting Temptation in a Volatile Market
(Main Content/blog)
... up from the media or family and friends, ask yourself whether you truly know something that countless other investors don't. Then ask whether you're certain enough to bet your money on it. Fear and greed ...
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When Will Stocks Get Back in the Black?
(Main Content/blog)
... if you have a short-term investing horizon and may need your money back within the next year. That's because it's not clear when the market will hit bottom and stabilize. What's important to remember is ...
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Market Turmoil Brings Buying Opportunities
(Main Content/blog)
The start of 2022 has been very volatile, especially in the technology sector, where investors have continued pulling their money out of high-growth and richly valued shares. In less than three months, ...
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Why I Don't Invest in Crypto
(Main Content/blog)
... ability to control the value of their currencies and the strength of their economies. Central banks like the U.S. Federal Reserve increase and decrease the amount of money in circulation in order to influence ...
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Higher Interest Rates Could Hammer Stocks
(Main Content/blog)
Inflation is back. U.S. consumer prices rose 6.2% year-over-year in October, the steepest increase in more than 30 years, as a flood of cheap money surging met consumer demand and supply chain bottlenecks. ...
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Where to Invest Now? It's Tricky
(Main Content/blog)
Where should you invest your money? Right now, that's a far from a simple question. If you have new cash to put to work, or if you're ready to take some profits on existing investments and reallocate ...
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How to Invest for Inflation
(Main Content/blog)
... throughout 2021 and maybe longer, in large part because of the $7 trillion in pandemic stimulus money the federal government has pumped into the economy. Likewise, I think the rotation from growth stocks ...
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Rising Inflation and Interest Rates: What to Do
(Main Content/blog)
... than they originally did. And that means your portfolio is much more risky than it should be. Investors should review their holdings, potentially take some money off the table and redeploy it into undervalued ...
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The Stock Market Rotation is Here
(Main Content/blog)
... the pandemic-era growth stocks as far up as they can for now, investors have decided to take money off the table and redeploy it into cheaper stocks that have room to run. Areas to look at include value ...