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Real estate investment trusts (REITs) can offer a consistent income stream and help provide portfolio diversification. Considering these potential benefits, it may not be surprising that an estimated 80 million Americans own REITs in their retirement accounts and other investment funds.1 Of course, like all investments,...
There is an old saying about being caught between a rock and a hard place. Many people might feel that way about providing financial support to children and aging parents while also trying to save for retirement and meet daily financial needs. Dubbed the “sandwich...
Conflict in the Persian Gulf has spurred modest oil price volatility in recent weeks, but prices didn’t spike to high levels seen during some past conflicts. That’s partly because rising U.S. oil production has shaken up the global oil market since 2010. Crude oil prices still...
Used to measure a business’s condition and performance, financial ratios can help you quantify your organization’s financial health and level of success. They are also used by those evaluating your business for potential investment or lending opportunities. Your balance sheet and income statement will help you...
Research conducted by the Urban Institute suggests that many people with apparently stable positions face a job loss after age 50 with serious financial consequences.1 Analyzing data from the University of Michigan Health and Retirement Survey — a long-term survey of Americans ages 51 and older...
Indexed annuities (IAs) set a new annual sales record in 2018, due in part to higher interest rates that allowed insurance companies to offer more appealing income withdrawal rates.1 Of course, the fact that a product is popular doesn’t mean it’s right for you. Indexed annuities...
Changing tax rates, steady inflation, and higher interest rates — put them together, and this might be a good time to consider the real return on your investments. As an investor, you probably pay attention to nominal return, which is the percentage increase or decrease in the value of...
Maintaining an appropriate balance of stocks and bonds is one of the most fundamental concepts in constructing an investment portfolio. Stocks provide greater growth potential with higher risk and relatively low income; bonds tend to be more stable, with modest potential for growth and income....
The current economic expansion passed the 10-year mark in June 2019, becoming the longest growth streak in U.S. history. Despite its record-breaking durability, U.S. gross domestic product (GDP) growth was slower than expected over the past decade, averaging just 2.3% annually since the expansion began...
Some business owners don’t think about succession possibilities or when they might retire, because they love running their companies and don’t want to stop any time soon. But unfortunately, about half of retirees must stop working earlier than expected, often due to health problems or...