Category Archives: Retirement

The Benefits and Drawbacks of 4 Common Low-Risk Investments

The Benefits and Drawbacks of 4 Common Low-Risk Investments

Some people are comfortable with riskier investments, but others would prefer to keep their savings in a safe investment vehicle, even if it means receiving smaller returns. There are several safe investment vehicles to consider, and you should carefully weigh the pros and cons of each before making a final decision. Some of the most… Continue Reading

This Is What Everyday Investors Need to Understand about Options

This Is What Everyday Investors Need to Understand about Options

The typical investor’s portfolio consists of stocks, bonds, and mutual funds, but other types of securities are available for increasing diversification. Many sophisticated investors rely on options to create new opportunities within their portfolios. Options are extremely versatile securities that can help investors shift their market position to hedge risk and even engage in speculative… Continue Reading

What Individual Investors Should Know about the Futures Market

What Individual Investors Should Know about the Futures Market

Investors tend to focus on mutual funds, exchange-traded funds, stocks, and bonds to build their portfolios. In addition to these options, there are several other financial markets that investors can take advantage of if they want to be adventurous. Some of the most important of these alternative markets deal with futures. The futures market is… Continue Reading

5 Surprising Investment Options That Are Not in the Stock Market

5 Surprising Investment Options That Are Not in the Stock Market

Most people think primarily of stocks when they consider what it means to invest money. For many people, however, investing in stocks seems overwhelming. The learning curve for purchasing stocks is indeed steep, and individuals still need to complete thorough due diligence for each purchase once they understand how exchanges work. Individuals should therefore avoid… Continue Reading

5 Tips for Catching Up on Your Retirement Savings

5 Tips for Catching Up on Your Retirement Savings

The best time to start saving for retirement is as early as possible, ideally while you are still in your 20s. Saving early provides more time for your investments to grow and ultimately results in exponentially more money during your retirement years. For a wide variety of reasons, however, saving in your 20s—or even your… Continue Reading

5 Amazing Budgeting Apps That Can Help You Reach Your Goals

5 Amazing Budgeting Apps That Can Help You Reach Your Goals

One the biggest challenges in personal finance remains budgeting. Creating and following a budget is critical for reclaiming a sense of power over your finances, yet people often have trouble making a realistic budget or staying within it. Luckily, modern technology offers a number of solutions, including a range of budgeting apps, each of which… Continue Reading

5 Reasons You Need to Start Investing Now if You’re in Your 20s

5 Reasons You Need to Start Investing Now if You’re in Your 20s

People in their 20s often put off investing for a variety of reasons. Some people want to wait until their financial situation becomes more stable, and others hope to make more money before they start investing. Whatever the reason, putting off investing is a mistake. People in their 20s are actually in a prime position… Continue Reading

What You Need to Know About Annuities As a Retirement Investment

What You Need to Know About Annuities As a Retirement Investment

When saving for retirement, many people look into annuities, insurance products that provide a steady stream of income. However, annuities are complex products and not for everyone. At its most basic level, an annuity is a product that someone invests in to get back one or multiple payments in the future. The size of the… Continue Reading

An Overview of 4 of the Most Common Portfolio Diversification Strategies

An Overview of 4 of the Most Common Portfolio Diversification Strategies

When investing money, it is critical to understand the concept of diversification. Put simply, diversification is a strategy for making portfolios less volatile over time. Unfortunately, however, the diversification process is anything but simple. A number of different strategies exist depending on the goals of the investor. In some cases, investors will want to adopt… Continue Reading