The Importance of Consistently Reviewing and Updating Your Investment Plan
The Importance of Consistently Reviewing and Updating Your Investment Plan When was the last time you reviewed the investments within your 401(k) plan or other employer-sponsored retirement account? How about the investments in your brokerage accounts? It’s not common for investors to know the answer to these questions. Many will use the “set it and […]
Why it’s Hard to Stay Disciplined in Volatile Markets
Why it’s Hard to Stay Disciplined in Volatile Markets A long-term retirement investment strategy, resulting from a sound financial plan, is only as good as an investor’s ability to stay disciplined when the going gets tough. It is easy to be confident in your investments during extended periods of market growth, but studies show that […]
Investment Strategies In a Bear Market
Investment Strategies In a Bear Market Stocks in a Bear Market – So what do I do now? It is true – the stock market, as measured by the S&P 500, is in a bear market. What does that mean? A bear market is defined as a decline in the S&P 500 Index of 20% […]
Creating an Effective Investment Plan
Creating an Effective Investment Plan When deciding on a strategy for your investments, there are many factors that should be taken into consideration. Effective investment strategies aren’t a one-size fits all approach, and each individual should take the time and care to ensure that the result is optimized for their needs. A good start would […]
Why Having an Investment Plan is Important
Why Having an Investment Plan is Important What is Investment Planning? Investment planning is a critical part of the financial planning process, where one identifies specific financial plans and puts together a strategy for achieving them. Investments are chosen based on your investment risk tolerance and time horizon. There are various investment options in the […]
Financial New Year’s Resolutions for 2020
Financial New Year’s Resolutions for 2020 Making New Year’s resolutions is a great way to plan to be better in the new year. Unfortunately, sticking with those resolutions isn’t as easy as setting them. Whatever is on your list for the upcoming year, whether it is to get in shape, spend more time with family […]
Should I Take My Pension as a Lump Sum or an Annuity?
Should I take My Pension as a Lump Sum or an Annuity? You are getting ready to retire, and you have a defined benefit pension that will kick in once you stop working. You may have the option of taking the pension in the form of a one-time lump sum distribution or as lifetime monthly […]
Understanding the Required Minimum Distribution
Understanding the Required Minimum Distribution In an effort to encourage workers to save for retirement, the United States government allows individuals to save part of their income tax-deferred into retirement accounts. Workers do not have to pay taxes on these funds or on the investment gains until the money is withdrawn from the account as […]
Discussing the In-Service Rollover
Discussing the In-Service Rollover Jump to In-Service Rollover FAQs A 401(k) plan is a great vehicle for employees to save for retirement. The money invested into this employer-sponsored qualified retirement plan is saved pre-tax and grows on a tax-deferred basis. Taxes on this deferred income are not paid until the money is withdrawn from the […]
Insight2Markets: Inversion Diversion
Inversion Diversion A frequent question of late is what to make of a flattening yield curve and what action should we take? In short – the yield curve is used as a tool which can illustrate high probability recession risk with considerable lead time of about a year and should not affect drastic portfolio decisions […]
