States Seek Power to Offer 401(k) Retirement Plans to Everyone

Several states and retirement plan advocates are supporting passage of a plan to allow state governments to offer retirement plans to workers not covered by 401(k)-type workplace plans. The plans would be run by the state but offered through small businesses that normally cannot effectively manage a 401(k). Deductions from worker paychecks would fund the […]

Experts: Smart Retirement Investors Use Cryptocurrency to Season, Not Stuff, Their Portfolios

Big bets on bitcoin and other cryptocurrencies are too risky for retirement investors, but a little digital money can hedge against declines in the values of other nest-egg assets. Bitcoin is the most widely held cryptocurrency, but its volatile value makes bitcoin unsuitable as a long-term investment, according to David Twibell, president of Custom Portfolio […]

Runaway Tech Wealth Driving Small Investors Away from Stock Market: Study

Technological changes over the last two decades have transformed the way people live and work. They’ve also impacted the way people perceive investment risk, according to new research. A recently published research paper that shows a connection between technological disruption and the substantive changes that have taken place in investor behavior. Researchers Stavros Panageas at UCLA […]

Four in 10 Americans Will Retire Flat Broke. Are You One of Them?

Almost 42% of all Americans run the risk of retiring completely broke, according to a new study. GoBankingRates conducted an online poll via Google Consumer Surveys that asked average Americans about the state of their savings and current retirement plans. The poll surveyed Millennials, the middle aged and senior citizens. One question was, “By your best […]

Passive Investing Reigns, but Active Often Means Better Returns

Equity investors increasingly invest in funds with passive strategies. Instead of using an active strategy of picking certain stocks, passive funds park money in assets with returns based on stock indexes reflecting the whole market, the good, the bad and everything in between. But active strategies can outperform passive ones, not only in stock trades […]