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On August 14, 2019, the Dow Jones Industrial Average plunged 800 points, losing 3% of its value in its biggest drop of the year. The Nasdaq Composite also lost 3%, while the S&P 500 lost 2.9%.1 The slide started with bad economic news from Germany and...
Most people can only guess how long their retirement savings might need to last. Those who withdraw too much or live longer than expected could eventually run out of money; others may withdraw too little and live more frugally than might be necessary. A qualified longevity...
If you are concerned about the high costs of long-term care but don’t want to purchase traditional long-term care (LTC) insurance, you might consider two strategies that combine permanent life insurance coverage with long-term care benefits. Keep in mind that any payouts for covered LTC...
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...