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To have a decent chance at earning returns that are high enough to generate sufficient income initially plus keep pace with inflation, most people will have to invest in a portfolio that contains at least some stocks and bonds. And when you invest in stocks and bonds – as opposed, say, to CDs – you Continue reading How to Make Your Money Last When You Retire It’s always a good to idea to make the most of tax-advantaged savings accounts and investments in your retirement planning. They’re a smart way to leverage your savings effort. Continue reading Pay less tax when planning for retirement Pacific Investment Management Co.’s Bill Gross said the Federal Reserve is unlikely to raise interest rates for two to three years as it seeks to keep the economy from slipping back into recession. Continue reading Interest Rates Unlikely to Rise For Years – Bill Gross Converting your traditional IRA to a Roth IRA could have important implications for your estate planning strategy. Continue reading A Roth Conversion and Your Estate Planning Strategy A new study estimates that 20% of Americans suffered a significant financial loss last year – the highest level in the past 25 years. Continue reading Big Drop in Financial Security Due to Income, Medical Costs and Debt The United States savings rate as a percentage of GDP is a big concern when evaluating current and future prosperity. In the 1970s and 1980s savings were in the 5 – 7% range. In the decades since, personal savings have declined to the 1 – 3% range. Continue reading Our Low Savings Rate: A Big Economic Concern With the year half over, it’s a perfect time to make some tax moves. You have a good idea of what your income and associated taxes will be, and you still have plenty of time to take advantage of some easy tax-cutting strategies. Continue reading Tax Steps You Can Take Now to Reduce Your Tax Liability Most investors know (or should know) the tried-and-true methods to build wealth. Shift money automatically from your paycheck to a savings plan; take advantage of your employer’s matching contributions to 401(k) plans; eliminate (virtually) all consumer debt; track and trim household expenses; reduce investment fees; and, of course, save more than you’re saving now. But Continue reading Net Worth: Four Ways to Build Wealth Question: I’m a full-time student who has a part-time job at a community college. Can I start contributing to an IRA? Continue reading Saving: Building a Nest Egg on a Part-Time Salary |
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