Traditional IRAs, which were created in 1974, are owned by roughly 36.0 million U.S. households. And Roth IRAs, created as part of the Taxpayer Relief Act in 1997, are owned by nearly 19.1 million households.1 Both are IRAs. And yet each is quite different. Tip: Not Quite Anything. IRAs are free to invest in just […]
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Despite not being as well known as some other retirement tools, annuities account for 8.7% of all assets earmarked for retirement. With over $2.0 trillion in assets, annuities hold more funds than Roth IRAs.¹ An annuity is a contract with an insurance company. In exchange for a premium or a series of premiums, the insurance […]
Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on your car has expired?” You’ve experienced one of the costs of procrastination. Procrastination can cause missed […]
The growth of exchange–traded funds (ETFs) has been explosive. In 1998, there were only 29; at the end of 2013, there were 1,293, investing in a wide range of stocks, bonds, and other securities and instruments.¹ At first glance, ETFs have a lot in common with mutual funds. Both offer shares in a pool of […]
Individuals hold more than $2.0 trillion in annuity contracts; a tidy sum considering an estimated $6.5 trillion is held in all types of IRAs.1 Annuity contracts are purchased from an insurance company. The insurance company will then make regular payments — either immediately or at some date in the future. These payments can be made […]
What has upswings and downturns, troughs, peaks, and plateaus? Though such terms could easily describe a roller coaster ride, in fact they are commonly used to refer to something known as the business cycle. The business cycle — also known as the economic cycle — refers to fluctuations in economic activity over several months or […]
Ancient Chinese merchants are said to have developed a unique way to reduce their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink or be attacked by pirates, the rest stood a good chance of getting through and the shipment could be saved. Your investment portfolio […]
“If the current annual inflation rate is only 1.5%, why does my grocery bill seem like it’s 10% higher than last year?” Many of us ask ourselves that question, and it illustrates the importance of understanding how inflation is reported and how it can affect investments. ¹ Inflation is defined as an upward movement in […]
When interest rates reach historic lows, some investors in search of income-generating investments turn to dividend-yielding stocks. Dividends are taxable payments made by a company to its shareholders. When a company makes a profit, that money can be put to two uses—it can be reinvested in the business or it can be paid out to […]
If you live in or have visited a big city, you’ve probably run into street vendors—people who sell everything from hot dogs to umbrellas in carts on the streets and sidewalks. Many of these entrepreneurs sell completely unrelated products, such as coffee and ice cream. At first glance, this approach seems a bit odd, but […]
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