Category: Saving and Investing

Avoid Target-Date Retirement Fund Traps

What you don’t know about target-date funds can hurt you Note: This article contains affiliate links. I may receive compensation if you click on them. Thank you for your support. When your to-do list is already a mile too long, it’s tempting to go the easiest ways to get things done. That’s especially true when...

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How to Design Your Retirement Portfolio at Any Age

Please Note: This article contains affiliate links. If you click on those links, I may receive compensation.   What are the best investments for your retirement portfolio? That depends mainly on how much time you have until you want to retire – your time horizon. That’s the number one factor ruling your investment strategy. When you...

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Stretch Out Your Cash with My 3-D Plan: Ditch, Delay, Decrease

If the Covid-19 crisis has you worried about money – and, honestly, I don’t know anyone (including me) who’s not – you can take some practical steps right now to preserve your cash. Most of the standard personal financial advice just doesn’t apply right now. All that matters in a time of extreme uncertainty is...

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Don’t Ditch Your Retirement Portfolio! Trust Your Investment Plan.

The stock market is suffering, and I know you’re scared. It’s terrifying to think that half of your money disappeared overnight. But here’s what you need to remember: It didn’t. Until you actually sell the investments in your retirement accounts, you have not sustained losses. It’s the act of selling that locks in your losses...

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HSA: The Best Retirement Account You’re Not Using

And How to Open One Today Don’t be fooled by the name Health Savings Account (HSA)… HSAs are really retirement accounts in disguise. And if you’re eligible for an HSA, you definitely want one, because they combine all the best features of other retirement plans… and then go another step further. If you use your...

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Is a Self-Directed IRA Right for Me?

Note: This post contains affiliate links. If you buy something through one of these links, I may receive a commission. If you’ve ever felt trapped by the investment choices in your 401(k)… if you want to invest your retirement savings in something other than the standards (stocks and bonds)… a self-directed IRA might be right...

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