If you’re worried that stocks are expensive again, well, they are. The current bull market is making a run at history. But it’s also costly to stay in cash (and lock in zero income). Fortunately, it’s possible to buy some downside protection with yield. I understand the “I’m worried so I’m sitting in cash” concern.

As our lives have been getting longer and healthier – compared to prior generations – some people advocate doing away with the concept of retirement altogether. In support of that idea, increasing numbers of workers report in surveys that they expect never to retire, and not just because they can’t afford to but often because they

The tendency when you feel like you are behind is to over-correct. Like when you are driving and hit a slick spot on the road in winter. Our initial reflex may be to crank the wheel the opposite way. Cranking your wheel can actually cause you to lose traction, making the situation worse. A safer

Legislation wending its way through Congress and a recent Government Accountability Office report may lead the way to boosting Social Security benefits for America’s poorest retirees. The mechanism: adjusting the formula for Social Security’s annual Cost-of-Living Adjustments (COLA) from the current system to one based on how Americans 62 and older really spend their money.

Credit: Getty Royalty FreeCredit: Getty Royalty Free Retirement is a looming reality for many baby boomers, and a number of that generation already have hung it up. They think that now life will finally fall into place and everything will be peachy. But there are a lot of misconceptions about being retired. Maureen Crimmins, a

Photographer: Anthony Kwan/Bloomberg© 2019 Bloomberg Finance LP Apple made a big strategic mistake in China recently.  It assumed that its iPhone is so popular among Chinese consumers that they are willing to pay higher prices for newer versions of the product—even in the midst of a US-China trade war. They aren’t. That’s according to a recent

Source: Stock.Adobe.com The index is “concentrating” … should you leave it alone?   I must admit, with all that I write about the S&P 500 Index, it looks weird to see it without the last zero, as it is in the title of this article.  But that is not as weird as the sustained predicament

In a recent survey, Legg Mason found that a 32% of Americans are “very confident” that they will have enough money for a comfortable retirement. That same study finds that retirement confidence falls sharply as Americans approach retirement and really understand just how expensive it is to retire – that is, exactly how much money

Senator Lamar Alexander, a Republican of Tennessee and chairman of the Senate Senate Health, Education, Labor and Pensions (HELP)Committee. Photo Credit: Andrew Harrer/Bloomberg© 2017 Bloomberg Finance LP Will your student loan payments be taken out of your paycheck? If one U.S. Senator has his way, the answer is yes. Here’s what you need to know.

If you suddenly woke up and could pick any age for yourself, would you go back to your 20s? Maybe your 30s or 40s? A recent survey of people in their 80s and above revealed the most desirable decade to be…drumroll please… their 50s. I, of course, was thrilled to read this! I just turned

trader working analysis stock exchange graph and chart for decision buy or sell stock. Business concept. Vector illustrations.Getty Without delay, I thought we’d start with one of those “thought experiments,” as an introduction to an investing principle. See how this lands for you: the story of humanity’s progress is filled with continuous improvements, seemingly born

Balloons flying freeGetty Retirement can be defined as achieving financial independence in the third stage of life – typically after age 62 when you can claim Social Security.   There’s also a rapidly growing movement around FIRE (Financial Independence Retirement Early) where people aim to achieve financial independence and gain complete control over their scarcest

A man looks at an electronic stock board showing Japan’s Nikkei 225 index at a securities firm in Tokyo. (AP Photo/Eugene Hoshiko)ASSOCIATED PRESS Like looking at social media, checking on your stocks each trading day is addictive. However, again, like checking social media, it’s not necessarily good for you. There are a few reasons why

Your parents dreaded certain conversations with you as a child. But, now as an adult child and caregiver there are tough conversations to be had with your parents.Getty Last month Britain’s Prince Phillip collided his Land Rover with another vehicle resulting in a rollover. The accident produced at least two surprises. The first was that the

Set-Asides in a Retirement Plan(c) Canstockphoto / monkeybusiness My recent article on retirement (What Should You Look For in a Retirement Plan?) indicated that in order to assure that a retiree will not run out of money at an advanced age, which is a primary retirement objective, most plans should contain an annuity. This article

Photographer: Dhiraj Singh/Bloomberg© 2017 Bloomberg Finance LP India’s Prime Narendra Modi wants to crush Amazon before it crushes his country’s mom and pop stores. At least until the upcoming elections are over, that is. Amazon is growing big and powerful. But some governments are already bigger and more powerful than any individual company, and the

Cardi B performs on Super Bowl eve, Saturday, Feb. 2, 2019 in Atlanta. (Ryan Kang/AP Images for the NFL)ASSOCIATED PRESS My 2013 forensic investigation of the Rhode Island pension recommended the Securities and Exchange Commission examine the state’s investment in an opaque venture fund managed, and sold to the pension in 2006, by former General

GFM Helmuth von MoltkeWikimedia Commons, Public Domain We have to understand both the nature of plans and the nature of retirement finance before we can build a successful retirement plan. It’s only rational to update any plan (not just retirement plans) to account for new, important information. Say that on Monday, the weather forecast for Friday

Unlike buying something in a store, when it comes to college shopping, you have to ignore the price tag. It may not even apply to you. The real price tag for any college is your net cost, that is, what you pay after financial aid and discounts are applied. The problem is that most college

Businessperson’s Hand Holding Red Arrow In Front Of Human Figures On Wooden StaircaseGetty More and more news stories are breaking about CEOs leaving their role amid accusations of ethics breaches and lack of integrity. Renault-Nissan-Mitsubishi Alliance Chairman/CEO Carlos Ghosn has been charged over allegations that he failed to disclose close to $80 million in additional