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Unraveling Retirement Strategies: Floor-And-Upside (An Update)
Article By:
Dirk Cotton
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Sunday, January 28, 2018 8:25 PM EDT
The basic idea behind floor-and-upside is that a retiree devotes some retirement funding assets to building a lifetime income stream and the remainder to an investment portfolio to provide liquidity and the possibility of increasing wealth over time.
In this article: TIP
Personal Savings Rate: What's Going On - Can Spending Drive The Economy?
Article By:
Mish Shedlock
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Friday, January 26, 2018 8:15 PM EDT
The difference between 2012 and now is the wealth effect from a booming stock market. In 2005, people actually believed their home was their retirement vehicle and prices would rise forever. Today's widespread belief is stock prices only go up
How Do Enhanced Yield Fixed Income Indexes Stack Up Vs. Active?
Article By:
WisdomTree
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Thursday, January 25, 2018 7:31 AM EDT
The Enhanced Yield Index uses the same investable universe as the Bloomberg Barclays U.S. Aggregate Index, but then seeks to maximize yield while adhering to a series of constraints to limit risk.
In this article: AGGY
How To Save For & Spend In Retirement
Article By:
Craig Birk
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Wednesday, January 24, 2018 2:21 PM EDT
You are the CEO of your money – at the end of the day, managing your money is your job, and you’ve got important decisions to make.
Global Fixed Income: Putting A Bow On 2017
Article By:
WisdomTree
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Wednesday, January 24, 2018 8:04 AM EDT
Fixed income investors will more than likely need to be a bit more discerning in their investment approach and should consider the potential benefits of fundamental—or smart beta—fixed income strategies.
Medicare Premiums Are A Shared Pool - Eight Coming Changes That Will Transform Retirement
Article By:
Daniel Amerman, CFA
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Monday, January 22, 2018 10:04 AM EDT
A critical component of financial planning for retirement is that many healthcare expenses are a shared expense for those 65 and older, as a matter of current law and design.
401k Retirement Contribution Limits For 2018
Article By:
Personal Capital
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Thursday, January 18, 2018 5:47 PM EDT
It’s a new year, so it’s time to consider boosting contributions to your employer-sponsored retirement savings plan—and the federal government is willing to help (a little.)
Why Your 401(k) Plan Is Your Most Powerful Investment Account
Article By:
Modest Money
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Wednesday, January 17, 2018 12:46 AM EDT
As an investor, you have many different accounts that you can use to invest your money in. But there is one account that stands head and shoulders above the rest. It is your 401(k) plan.
How The Fiduciary Rule Can Make You Money
Article By:
David Trainer
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Friday, January 12, 2018 10:00 AM EDT
With full implementation scheduled for July 2019, figuring out how to deal with the fiduciary rule is the top priority for many firms and advisors. Here’s how you turn this regulatory bombshell to your advantage.
Ways To Avoid The Early Withdrawal Penalty On IRAs
Article By:
Jennifer Coombs
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Friday, January 12, 2018 4:10 AM EDT
With Roth IRAs, there some unique features that can allow for early withdrawals that will avoid the 10% penalty.
Strong Dividend Stocks Can Change Your Retirement Odds
Article By:
Doug Carey
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Thursday, January 11, 2018 6:33 PM EDT
With the stock market powering ever higher, dividend yields continue to fall on most stocks. This will lead many investors to simply search for high yielding stocks and buy those. But this could be a major mistake.
The Only Benchmark Of Wealth
Article By:
Michael Lebowitz
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Wednesday, January 10, 2018 9:38 AM EDT
Almost all investors benchmark their returns, manage their assets and ultimately measure their success based on the value of a stock, bond or blended index(s). The most common investor benchmark is the S&P 500.
In this article: SPX
U.S. Fixed Income: Will 2018 Be Any Different?
Article By:
WisdomTree
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Wednesday, January 10, 2018 9:16 AM EDT
From a Federal Reserve (Fed) perspective, the policy makers seem to be on track for at least two rate hikes this year, with the potential for three (the FOMC’s December 2017 projection is for three increases).
Roth Recharacterization Is No Longer Allowed
Article By:
Jim Blankenship
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Monday, January 8, 2018 7:29 PM EDT
If you convert funds from an IRA or 401k into a Roth IRA account, you no longer have the back-out option available to you. The verbiage as to exactly when is still unclear.
Growth Vs. Income Investing: Is The Cost Of Growth Too High?
Article By:
Douglas Goldstein
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Monday, January 8, 2018 1:14 PM EDT
If you’re closer to retirement, you should choose a more conservative investing strategy. Yet even retirees need some growth to counterbalance inflation, and younger folks shouldn’t keep their entire portfolio in high risk positions.
Median Family Net Worth Under 1989 Level: Debt-to-Money Worst Since 62
Article By:
Mish Shedlock
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Monday, January 8, 2018 10:19 AM EDT
As the stock market soars to new highs, here's some sobering statistics to consider. The stock market is at an all-time high but Americans owe more, save less, and are poorer than in decades.