Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000. 1
Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
HOT TOPIC: Looking Beyond the Bull Market
When the latest “bull market” for U.S. stocks reached the five-year mark on March 9, 2014, the S&P 500 had risen 177% — and only five bulls have lasted longer. This Special Report explains how bull and bear markets are generally defined, compares recent stock performance to historical market trends, and warns about the difficulty of predicting the future direction of financial markets.
An Interest in Lending
The basics of bonds including the advantages and risks of U.S. Treasury, municipal, and corporate bonds.
Paying for Giving
When it comes to taxes, the giver could face tax liabilities that do not apply to the receiver.
Retirement Risks to Consider
The road to a comfortable retirement is full of risks, and they don’t end when you stop working.
Cleaning Up Your Financial Records
Make it easier to find financial documents when you need them with these organization tips.
Entrepreneurs Get Back in the Game
Start-up activity rose to a 14-year high in 2012; some first steps for turning an idea into a profitable business.
HOT TOPIC: New Chair, Same Fed?
New Fed chair Janet Yellen, forward guidance for future action, and how investors and the economy could be affected.
Weighing Price and Earnings
Some factors that may affect P/E ratios and what they might reveal about individual stocks and broader market trends.
Reading into the Federal Reserve’s Beige Book
A look at how the FOMC compiles the Beige Book and some of the useful information that can be found in it.
Should You Open the Door to Closed-End Funds
A description of closed-end funds and why income-oriented investors may want to consider them for their portfolios.
Enforcement Programs Aimed at Small Businesses
While small biz strive to comply with the federal tax code, certain practices could attract attention from the IRS.
When Your Child Should File a Tax Return
IRS rules regarding who must file are based on the amount and source of income rather than age
HOT TOPIC: Airline Consolidation
This article examines the potential effects of airline consolidation for investors, consumers, and the broader U.S. economy.
Making Sense of Auto Financing
Buyers who intend to finance a new car purchase should generally shop carefully for the best price and terms.
A Will to Help Your Children
This article explains the importance of a will, and why families who have children with special needs might also consider a special-needs trust.
Shunning Stocks May Come with a Cost
Why avoiding stocks altogether could prevent a portfolio from keeping pace with inflation.
How a mix of taxable and tax-deferred accounts could help reduce the effect of taxes on an overall portfolio.
Orchestrating an Exit
Devising a written business succession plan could ultimately benefit the owner, the owner’s family, and possibly the employees.
HOT TOPIC: Cybercrime Update
This article focuses on debit- or credit-card fraud and identity theft, including steps you can take to help safeguard your personal information and financial accounts.
Investors as Corporate Citizens
Sustainability has become a fundamental business goal for many corporations throughout the world, driven in part by investors.
Keeping Talent On Board
An executive bonus plan funded with cash-value life insurance could be used to reward and help retain a company’s most valuable employees.
America’s Pension Problems
A closer look at how pensions operate and why it might not be wise to rely solely on a pension when assessing retirement income needs.
Energy Update: Natural Gas Boom
The potential implications of how shifts in energy production, consumption, and policy could affect supplies and prices in the future.
Target-Date Funds Keep Retirement in Sight
Examine target-date funds and why funds with the same target date are not all the same.
Investing Without Borders
International investing offers an opportunity to pursue potential economic growth outside the United States, but it carries additional risks.
Save as Much as You Want — Tax Deferred
There are other savings options available for those who want to contribute more to a tax-advantaged retirement plan than annual limits allow.
Disability Income Insurance
Proper insurance coverage can help ensure your income, assets, and lifestyle are not at risk from a potential disability.
Sandy Delivered Hard Knocks
Superstorm Sandy demonstrated the importance of adequate insurance protection and the need to reduce uninsured losses.
Expanding a Student’s College Options
To help students cover rising higher-education costs, it may be wise to start saving as early as possible.
HOT TOPIC: Sequester Under Way
The sequestration (mandated federal budget cuts) could affect you, your community, and the U.S. economy in general.
Fraud Never Sleeps
Fraud accounted for more than half of the 1.8M consumer complaints received by the Federal Trade Commission in 2011.
Moving On and Rolling Over
Transitioning workers must decide what to do with savings accumulated in their employer-sponsored retirement plans.
Signs That You May Not Be Ready to Retire
Some warning signs that you might not be ready to go full speed ahead with the transition from worker to retiree.
The composition, risks, and portfolio roles of sector funds typically differ from broader-based stock funds.
Businesses Face Health-Care Decisions
Both large and small business owners may want to pay attention to the Affordable Care Act’s tax implications.