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What “Higher for Longer” Interest Rates Could Mean for Your Investments
(Main Content/blog)
... in the stock market—but investors would need to evaluate their holdings and potentially make some changes. Here's how we got here. The Federal Reserve started raising rates in in March of 2022 as it ...
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Don’t Gamble With Your Retirement
(Main Content/blog)
... you to determine how much you'll need to invest and the returns that you'll need to generate to meet your goals. And that's where time horizon comes in. 2. What is my time horizon? Time horizon refers ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... decades to build a big chunk of what they'll need to retire. Before the SECURE 2.0 Act, leftover 529 funds could be saved in case the beneficiary wound up with more education expenses, or could be transferred ...
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We're Not Out of the Woods
(Main Content/blog)
... of returns you’re going to need to retire comfortably and meet other goals. But in the short term, we’re likely in for some instability. My advice to investors right now is to be very ...
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The Big Question: When Can I Retire?
(Main Content/blog)
"When is the right time to retire? And how much money will I need so be sure I’ll never run out?" Those are perennial questions asked by every Americans who doesn’t intend to work until they ...
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How to Fix Your Retirement Savings
(Main Content/blog)
... a bank account, or buy safe Treasury bonds, those investments won't give you the kind of returns that will grow your money adequately for a comfortable retirement. What's needed is a diversified portfolio ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... you don't need to touch for at least five years, it makes sense to stay invested in the stock market. Short-term volatility is the rule in the stock market, not the exception. Between 1946 and 2022, the ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
... requires an 8% return over the next 15 or 20 years, there's no need to take the kind of stock-heavy risk needed to earn a 15% return. The point of investing isn't to bet the farm on gaudy returns. It's ...
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How to Get Back into the Market
(Main Content/blog)
... This time you need to re-identify your goals and objectives, whether that's for the next one year or the next five, 10 or 20 years. A one-year goal might be buying a house or a car; a 20-year goal might ...
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Fighting Temptation in a Volatile Market
(Main Content/blog)
... game. Remember, to get out near the top but also get back in near the bottom, you need to guess right twice. Sure, you might get lucky a time or two, but more often you'll lock in a loss by selling and ...
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Understanding the Fed’s Rate Hikes and the Market
(Main Content/blog)
... that the worst of inflation will soon be behind us, if it isn't already. The producer price index, which measures how much businesses pay for the things they need, fell .1% in August. Drops in so-called ...
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When Will Stocks Get Back in the Black?
(Main Content/blog)
... has fallen 30%. When will it end? Markets don't break out of their funk for no reason. They need a catalyst—like strong corporate earnings, or interest-rate cuts, or, to cite a recent example, the approval ...
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What the Crashes of Netflix and Facebook Tell Us
(Main Content/blog)
... Netflix had crashed 69% from its highs, and Meta (as Facebook's parent is now called) had plunged 34%. These two stocks' fall should be a wakeup call, if any were still needed, for long-term investors: ...
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A Bad Time to Be Over-Diversified
(Main Content/blog)
... investment portfolio, to ensure you're confident in the sectors and individual stocks you own, to add names where you need to, and to potentially cut loose those you're not as confident in. Over the next ...
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When Will Stocks Rise Again?
(Main Content/blog)
... to work because of the virus, and not needing to rush back to work because of unemployment benefits. Economists say unemployment could start to drop in the fall. And the added manpower could make companies ...
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How to Invest for Inflation
(Main Content/blog)
... But you need to be smart about choosing which advisor to work with. As I wrote a few years ago, most advisors are actually brokers, who are legally permitted to place their financial interests ahead of ...
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Rising Inflation and Interest Rates: What to Do
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... companies, especially those that might pay a dividend. Think insurance companies, banks energy companies, for example. If you need to do selling within taxable accounts, do not delay doing it because ...
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Vaccine News Shakes Up the Market
(Main Content/blog)
... to pass another round of economic stimulus within the next few months. That would give consumers and businesses a needed boost as the pandemic continues to drag on the economy. Stay-at-home stocks, from ...
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President Trump's Coronavirus Diagnosis: Market Impact
(Main Content/blog)
... Politically, it's suddenly become much harder to ignore the impact of the virus and the need to respond. On the other side of this coin, I would warn investors about falling into value traps. Stocks ...
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Capital Gains Tax Hike a Possibility
(Main Content/blog)
... would need a clean sweep in the November elections to implement Biden's plans. Whether that will happen is unknowable. The important thing for investors is to plan for the possibility. Should power change ...