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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.
Market Numbers Through 2017...Not As Impressive As You Might Think
Article By:
Steve Selengut
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Sunday, January 7, 2018 10:27 AM EDT
The S&P has gained approximately 94% in market value over the past 18 years, or an average of less than 4% compounded,annually, so not so much to celebrate in the S&P for the long term investor.
How To Plan For Retirement In 2018
Article By:
Charles Sizemore
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Thursday, January 4, 2018 5:16 PM EDT
Now is the time to figure out your budget for the year. The IRS raised the contribution limit on 401(k), 403(b) and 457 plans to $18,500, or $24,500 for employees 50 or older.
Q4 2017- Taxes, Pensions, Ratings
Article By:
David Kotok
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Thursday, January 4, 2018 12:48 PM EDT
The fourth quarter was dominated by tax reform and its effects on the supply and pricing of municipal bonds. The prospect that one of President Trump’s major initiatives would finally be passed by year-end buoyed the stock market.
Retirement Numbers Are Hokum
Article By:
Roger Nusbaum
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Thursday, January 4, 2018 12:45 AM EDT
In today’s dollars, could you get by on $5000/mo…if your mortgage was paid off and you were old enough for Medicare? How about less or more per month?
"Everything Is Overvalued": Public Pensions Face Dangerous Dilemma In 2018
Article By:
Tyler Durden
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Wednesday, January 3, 2018 8:25 PM EDT
The pension managers - unless they happen to be traders in the early 20s who have never encountered an even modest bear market or market correction - are quite aware of the underlying tension of allocating cash to stocks at all-time highs:
Pension Dilemma: Expecting 7% Returns In A Negative Yield Setup
Article By:
Mish Shedlock
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Wednesday, January 3, 2018 12:00 AM EDT
People like to believe they will be the ones to "get out on time". Mathematically it's impossible for all but a tiny percentage to escape.
In this article: SPX
How You Can Invest In Real Estate Using A Self-Directed IRA
Article By:
Modest Money
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Monday, December 25, 2017 4:17 AM EDT
Since self-directed IRAs allow you to diversify your portfolio, a growing number of retirement savers are now choosing to invest in real estate to increase their overall returns.
Out Of Money By November 29th - Social Security Indexing Part 3
Article By:
Daniel Amerman, CFA
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Wednesday, December 13, 2017 11:26 AM EDT
Social Security is not fully inflation indexed as a matter of design.
Do You Have What It Takes To Rebalance?
Article By:
Craig Birk
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Saturday, December 9, 2017 9:40 AM EDT
A portfolio that has not been regularly rebalanced is likely strongly skewed toward stocks—and may be more risky than the investor may have intended.
The Return You Need
Article By:
Dirk Cotton
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Friday, December 8, 2017 12:18 PM EDT
One of the most common mistakes I see retirees make is looking at a good return on a nearly risk-free investment and concluding that they would do better in the stock market because it has a higher long-term average return.
Risky Green Investments Won't Save Public Pensions
Article By:
Foundation For Economic Education
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Wednesday, December 6, 2017 2:16 AM EDT
It’s no secret that a number of state and city public pensions are in crisis. From Puerto Rico to Detroit to Illinois, governments have made promises to their public employees that simply cannot be kept.