Kiplinger5 min letti
This Isn't (or, at Least, Shouldn't Be) Your Father's Retirement Plan
It isn't a bad idea to talk to your parents or grandparents about retirement and what worked for them. You probably can learn something from their successes -- and their mistakes. But if you're thinking about following the exact retirement routine t
Kiplinger5 min letti
4 Strategies to Cut Your Taxes in Retirement
Many people -- some with retirement plans already in place -- have no idea what their spending will look like in retirement. Why is this important? Because if you don't know how much you're planning to spend in retirement, you don't know how much in
Kiplinger6 min letti
5 Top Semiconductor Stocks to Buy Now
Investors' focus has locked in on semiconductor stocks following news of a potential "phase one" trade deal between the U.S. and China. Many chipmakers do production work in China and/or distribute products to Chinese companies, so the industry has s
Kiplinger4 min letti
Use the Right Tools to Build a Portfolio Made to Withstand Modern Worries
It's tough enough to tune out the noise from a 24/7 news cycle when every nugget seems to quickly make its way from a headline to a tweet to a meme to a skit on late-night TV. But add in what is now a global economy, and it's nearly impossible for i
Kiplinger3 min letti
3 Reasons to Consider Making Changes During Medicare Open Enrollment
Every fall, Medicare health and drug plan providers publish information on changes that will take effect the following year. As a result, people on Medicare have the opportunity to make the following types of changes to their plans during the open en
Kiplinger10 min lettiSociety
10 States With the Slowest Rates of Job Growth, 2020
U.S. job growth in 2019 is likely to average 170,000 jobs per month, down from 223,000 in 2018. The decline is partly attributable to fewer available workers to hire with the low unemployment rate. Also, businesses are reluctant to aggressively pursu
Kiplinger11 min letti
10 States With the Fastest Rates of Job Growth, 2020
U.S. job growth in 2019 is likely to average 170,000 jobs per month, down from 223,000 in 2018. The decline is partly attributable to fewer available workers to hire with the low unemployment rate. Also, businesses are reluctant to aggressively pursu
Kiplinger44 min lettiSociety
Kiplinger’s Economic Outlook for All 50 States, 2020
Low jobless rates and rising incomes are helping to fatten state coffers across the U.S. Revenue from sales, personal and corporate taxes is on the rise --the best growth since before the Great Recession. States can expect healthy tax revenues for at
Kiplinger8 min letti
The Best American Funds for 401(k) Retirement Savers
American Funds is the third-largest fund family in the country, with $1.6 trillion in mutual fund assets. Many of its mutual funds are among the biggest in the land, too. So it should come as no surprise that fund company's portfolios are popular in
Kiplinger4 min letti
How to Keep More Money in Retirement: Diversification That Minimizes Taxation
Although you can't control all the challenges you might encounter as you move toward and through retirement, having a well-thought-out plan can help you be better prepared. That's especially true when it comes to two of the biggest risks to a confide
Kiplinger5 min lettiPolitics
ACA Open Enrollment: Shop Health Insurance Exchanges for a Better Deal
As the Affordable Care Act marketplaces open their doors for this fall's open enrollment, these individual health insurance exchanges are looking healthier than in years past. And no group stands to benefit more than early retirees. Just ask Dan Wic
Kiplinger3 min letti
Be the CEO of Your Retirement
In my 33 years as a financial professional, I've been privileged to meet and get to know a number of CEOs. What I've found is, as you might expect, they tend to be smart people. But I've also discovered something else about them when it comes to inv
Kiplinger6 min letti
3 Great Reasons to Consider After-Tax Contributions to a 401(k)
The 401(k) has evolved over the past few decades, offering flexibility in the way American workers can save for retirement. More companies are offering their workers more than one option on how to use these accounts, and if you are one of the lucky w
Kiplinger8 min letti
7 Dow Stocks That Billionaires Love
There's something to be said about following the "smart money's" lead into adventurous, high-potential growth plays. But billionaires also see plenty of potential in stable blue chips like the Dow Jones Industrial Average's components. Indeed, Dow st
Kiplinger4 min letti
3 Preferred Stock ETFs for High, Stable Dividends
Preferred stocks typically aren't first, second or even third to mind when investors think about what they want to include in their portfolios. But if you're an income hunter and you don't already have these stocks on their radar, you might want to g
Kiplinger4 min letti
Low Interest Rates Don't Make Structured Settlements a Bad Deal
"Three of my former employees were in a serious auto accident while on a fishing trip, which will result in large settlements for their future care and lost income. "Physically they are no longer able to perform their jobs and will have trouble fi
Kiplinger3 min letti
Consider Your Trustee Carefully: It Makes a Difference
You've made it to a place in your estate planning where it's been determined that setting up a trust will help accomplish the many goals you have for your family. You've done extensive research and worked with your adviser to select the type of tr
Kiplinger9 min letti
10 High-Quality, High-Growth Stocks to Buy
Companies with outsize growth prospects aren't hard to find. High-growth stocks that also are high on quality are another matter. Seemingly every other week, a so-called unicorn files for an initial public offering. And yet more often than not, the s
Kiplinger4 min letti
Retiring Early? Ways to Help Avoid Early Withdrawal Penalties on Retirement Accounts
Unless you're talking about retiring early, it's unlikely your financial professional will ever mention the possibility of using something called a "series of substantially equal periodic payments" -- or a 72(t) payment strategy -- to take penalty-fr
Kiplinger4 min letti
Commission-Free Trades: A Bad Deal for Investors
Commissions on stocks and exchange-traded funds (ETFs) now come to a big fat zero if you use one of the four biggest online brokerages. On Oct. 1, Charles Schwab (SCHW) announced commission-free trading on stocks, ETFs and options trades. Online-brok
Kiplinger10 min letti
23 Most Popular Aldi Grocery Items Ranked Best to Worst
We've been tracking Aldi prices and products for years as the German discount supermarket has expanded in the U.S. to more than 1,900 stores in 36 states. In the process, we've shared tips and tricks for shopping at Aldi, as well as advice on the b
Kiplinger4 min letti
A Surprising Way 2 Millennials Fast-Tracked Their Financial Progress
It doesn't take much Google searching to find out living in a high cost-of-living coastal city hurts the pocketbook. Whether it comes in the form of higher costs at the gas pump, more expensive groceries, or increasingly out-of-reach homes, living i
Kiplinger4 min lettiTech
How to Buy the Right ETF
If you're trying to keep up with the exchange-traded fund (ETF) industry, don't blink. Providers have been churning out more than 200 new funds per year since 2014, including 268 new launches in 2018. So how on earth do you weed through all these off
Kiplinger8 min letti
7 ESG ETFs to Buy for Responsible Profits
Investors are rapidly moving toward investing with environmental, social and corporate-governance (ESG) qualities in mind. Assets in ESG ETFs and other exchange-traded products (ETPs) grew by $7.6 billion, or 29.5%, in 2018. That growth rate is sever
Kiplinger6 min letti
The Best T. Rowe Price Funds for 401(k) Retirement Savers
A dozen T. Rowe Price funds appear among the top 100 401(k) funds this year, according to data firm BrightScope. Interestingly, all are funds that focus on growth stocks, and all are standouts in their categories. That shouldn't surprise anyone. Thom
Kiplinger5 min letti
The Best Impact Investing Apps
Mobile investing apps are becoming "must haves" these days, and their popularity is expected to increase in the coming years. And that's not the only investing trend that's on the rise. Another is impact investing. Put these two trends together, an
Kiplinger6 min letti
3 Retirement Tax Mistakes You Can't Afford to Make
It's easy to assume that financial choices boil down to one's preferences. While personal preferences, goals and priorities should drive most financial decisions, they often can convert a good intention into a mistake. Conversely, those mistakes may
Kiplinger16 min letti
The 15 Best Recession-Resistant Stocks to Buy
There's little question as to what makes the most recession-resistant stocks to buy so resilient. Many of them offer products that Americans simply can't go without, or that are much more attractive when money is tight. What's less certain is when in
Kiplinger4 min letti
How You Can 'TAP' into Home Equity to Help Keep Your Retirement Stable
Retirees face plenty of financial challenges these days, from volatile markets that can upend their security to low interest yields that in some cases don't even allow them to keep up with inflation. But with all the issues that confront them, perha
Kiplinger5 min letti
Time to Get Your Head Out of the Sand about Long-Term Care
Baby boomers are living longer than ever before. In fact, as a nation, we are getting grayer and grayer. The U. S. Census states that, "Already, the middle-aged outnumber children, but the country will reach a new milestone in 2035. That year, (they
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