Category Archives: Retirement

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

A Closer Look at the Benefits and Drawbacks of Money Market Funds

A Closer Look at the Benefits and Drawbacks of Money Market Funds

A popular type of mutual fund is the money market fund. Money market funds are designed to have low volatility by investing only in cash or cash-equivalent securities. Such investments usually have high credit quality and high liquidity. Typical money market fund investments include bankers’ acceptances, commercial paper, certificates of deposit, US Treasury securities, and… Continue Reading

4 of the Best Ways that Everyday Investors Can Enter the Real Estate Market

4 of the Best Ways that Everyday Investors Can Enter the Real Estate Market

Real estate is not an investment for everyone, but thinking of real estate solely as purchasing and then renting a property is shortsighted. In today’s market, there are a number of different ways to get involved with the real estate market, even for those who do not have the capital necessary to purchase properties outright.… Continue Reading

5 of the Most Important Questions to Ask Before Investing in a Mutual Fund

5 of the Most Important Questions to Ask Before Investing in a Mutual Fund

Many people think of mutual funds as inherently safe or balanced investments, but this assumption can lead people into trouble. Many mutual funds provide greater diversification than is possible through investing on one’s own. However, individuals still need to conduct a significant amount of due diligence before buying mutual funds. No guarantees exist that funds… Continue Reading

How Do Investors Classify Different Types of Stocks?

How Do Investors Classify Different Types of Stocks?

For most individuals, the most popular investment vehicles are stocks and bonds, as well as real estate for certain investors. Just as there are several different types of real estate, there are different categorizations of both bonds and stocks. Investors, even amateur ones, should understand the key differences between these different types of investments and… Continue Reading

5 of the Best New Year’s Resolutions to Conquer Your Personal Finances

5 of the Best New Year’s Resolutions to Conquer Your Personal Finances

As the New Year approaches, many individuals consider making resolutions about their personal financial health. However, when people are getting started, they may feel at a loss. In the end, resolving to be more responsible financially may not work out if you do not know why you’re finances ran into trouble in the first place.… Continue Reading

What Does an Investor Need to Know about Stocks and Bonds?

What Does an Investor Need to Know about Stocks and Bonds?

Two of the most popular investment vehicles for novices are stocks and bonds. In addition, many retirement savings plans are built on a combination of these. Understanding the differences between these two vehicles, including their potential for future growth and the risk involved, is key to creating an agreeable risk profile while optimizing account growth.… Continue Reading

5 of the Best Tips for Controlling Your Expenses during Retirement

5 of the Best Tips for Controlling Your Expenses during Retirement

In the decades leading up to retirement, an incredible amount of planning is needed to ensure your financial stability during your golden years. People have different goals for their retirement, and the amount of money needed depends on these aims, whether they include traveling the world, moving to a new location, or just pursuing hobbies.… Continue Reading

What You Need to Know About the Most Common Retirement Savings Products

What You Need to Know About the Most Common Retirement Savings Products

Many people begin to feel overwhelmed when they start thinking about saving for retirement. A large number of products exist, and it can sometimes be difficult to distinguish which are the most appropriate for any given situation. Becoming educated about each of the different products can be a challenge when individuals must consider where to… Continue Reading