Until 2022, interest rates haven’t been much to write home about, but as rates start rising, you might wonder if your typical bank savings account is actually the best place to store your cash reserve. Here are some ideas to keep your cash (safely) at work. How Much Cash Do You Really Need? To answer […]
If you work for a publicly-traded company, the last thing that you want to worry about is unintentional insider trading. One strategy to help avoid insider trading is a 10b5-1 Plan. 10b5-1 Plans are excellent diversification agents. They help provide avenues to diversify out of company stock and avoid too much concentration risk in your […]
Inflation has been making headlines the past couple of months. The discussion is centered around whether we should prepare for lingering higher prices or whether it is merely transitory. Inflation has been rather tame for about 40 years, since it peaked in 1980 at an annualized rate of 13.55%. For the past 30 years, it […]
The newly enacted CARES Act has suspended Required Minimum Distributions (RMDs) from retirement accounts for 2020, including inherited retirement accounts. This measure will provide some financial relief to those who do not need to take withdrawals from retirement accounts while the account values are low. RMDs are calculated using the account holder’s life expectancy and […]
Behavioral finance is a relatively new but growing field of study that applies behavioral psychology to economic decisions to help understand why rational people can often make irrational decisions when it comes to money and investing. DALBAR, a leading financial research firm, produces an annual report comparing stock market returns with average investor returns. Their […]
Five Keys to Investing for retirement Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you have some investing experience or are just getting started. DON’T LOSE GROUND TO INFLATION It’s […]
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