Retirement
Retirement presents an exciting new stage in many people’s lives. Many people choose to go embark on their retirement adventure in a new locale. The range of reasons for such a dramatic move is vast. Many senior citizens seek a warmer climate, a lower cost of living, or simply to be around more of their […]
When it comes to investing, your options are not limited to equities, bonds, and money market instruments alone. There are many non-traditional, alternative investments that can help you diversify your portfolio and give you excellent returns in the long term. One such alternative investment is private equity. Many of the world’s most respected investors, such […]
Refinancing your mortgage is a smart move that can save you a lot of money, if done at the right time. If done at the wrong time or for the wrong reason, a refi might end up costing you more money than what you had expected to save in the first place. So, when is […]
Jefferies analysts recently revived an economic theory that the oncoming wave of baby boomer retirements could usher in a stock market “dark period.” The theory goes that as boomers liquidate equity holdings in a mass exodus there could be a decade-long slump in stock prices. That is, until the younger generation starts to buy up […]
The fund automatically reallocates the bond to equity percentage weighting in the retirement account. Given their popularity, TDFs have had an out-sized impact on the market. In no small measure, these automated funds have helped support the 10-year long bull market. Target-date funds were marketed to individuals in the early years of their employment history […]
Even though home ownership is considered the American dream, many young Americans can’t afford it. More than 78% of homeowners are 65 years old or older. Less than 36% of homeowners are under 35 years old. Yet apartment renting isn’t always the cheaper option either. San Francisco features the highest average national rent prices. A studio […]
Choosing between individual stocks and mutual funds can be difficult, especially if you are a novice investor. Both investment options are extremely popular and have their own advantages and disadvantages. So, which is the better choice? Let’s take a look. A stock is a type of investment which allows you to own a piece of […]
The first rule of financial planning is that you need to have an emergency cash reserve which is sufficient to cover your living expenses for at least three to six months. At the same time, there is no need for you to park your funds in a savings account which offers negligible returns, and that’s […]
Forced retirement is a problem many folks are grappling with these days. Around 37% of retirees in the country leave work earlier than they had expected, typically due to health problems, layoffs, shutdowns and cutbacks. Many forced to retire early struggle with their day-to-day expenses as a result of losing their only source of income. […]
Many freelancers would benefit from saving into a new kind of 401(k) just for them. Unlike corporate plans, these are easy and cheap to administer. Contribution limits are much higher than other small business plans of the past. Many Americans rely on their employer-sponsored 401(k) plans to save for retirement. But what about all those […]
