Reexamining the Retirement Investment Portfolio

When talking about retirement financial planning, we often take investment strategy at face value. But what does an investment strategy really consist of? An investment strategy is utilized to help your wealth not only retain its value against inflation but hopefully grow as well. When it comes to retirement, there’s another aspect of income generation [...]

2023-10-09T22:12:30+00:00October 9th, 2023|Investing, Retirement Income Planning|

Target-Date Funds: The Backbone of Many Retirement Accounts

A target-date fund is an investing tool, often in the form of an ETF or mutual fund, that adjusts its investment strategy based on how much time there is until the target date. The investments are strategized for long-term growth when you are further away from the target date and strategized for wealth preservation the [...]

2023-05-23T14:28:01+00:00May 23rd, 2023|Investing, Retirement Planning|

Don’t Forget the Tried-and-True Value of Compounding Interest

If you forgot what compounding interest was, let’s refresh. Compounding interest is the process by which the interest earned on an investment is reinvested so that the initial investment grows over time. It may not seem like it, but compounding returns is a powerful tool that can significantly increase the value of an investment over [...]

2023-01-30T13:25:15+00:00January 30th, 2023|Financial Planning, Investing|

What You Need to Know About the State of the Crypto Industry

2022 was a reckoning for the crypto industry. Cryptocurrencies deemed stable collapsed while proof of overly risky, shady, and even fraudulent practices emerged among some of the most established crypto companies. Instead of getting into the weeds of what the technology of crypto is or the genesis behind its creation, it’s more important to understand [...]

2023-01-23T15:04:59+00:00December 26th, 2022|Investing|

2 Reasons the Generic 60/40 Portfolio Fails

Starting out your investing journey, you may have been advised to follow the 60/40 allocation strategy. This strategy tells you to put 60% of your portfolio in equities and 40% in bonds or other fixed-income offerings. For decades, this strategy has been revered for its balance, offering high growth potential from stocks and a safety [...]

2023-01-23T15:05:08+00:00December 19th, 2022|Investing, Stock Market|

3 Factors to Know for Rising Interest Rate Conditions

The 2022 economy has broken multiple records, first, with the highest inflation rate in 40 years, and now, the highest federal reserve interest rates since 2008.[1] In efforts to curb raging inflation, the US Federal Reserve has raised interest rates six times in 2022, reaching a target of 3.75% in November.[2] This rise in the [...]

2023-01-23T15:05:34+00:00December 13th, 2022|Economy, Federal Reserve, Financial Planning, Investing|

What You Need to Know about Index Funds and Mutual Funds

On their surfaces, index funds and mutual funds may seem interchangeable. Both offer diversification of assets and are commonly invested in a basket of stocks that aim to meet a certain investment goal. However, there are many key distinctions that separate an index fund from a mutual fund – distinctions that may be crucial to [...]

2023-01-23T15:06:03+00:00December 6th, 2022|Financial Planning, Investing|

The Value of Opening a Roth IRA at the End of the Year

These days, retirement planning will likely involve Individual Retirement Accounts in one way or another. Whether you’re looking to roll over a 401(k), optimize your withdrawal timing, or take advantage of catch-up contributions, your IRA strategy may be one of the main components of your income strategy. So, let’s talk about the Roth IRA and [...]

2022-12-07T16:36:07+00:00November 28th, 2022|Financial Planning, Investing, Retirement Income Planning|
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