From: www.nstp.org
The law provided for a longer starting age for required minimum distributions (RMDs) to age 73, effective January 1, 2023. The starting age will jump to 75 effective January 1, 2033. A delay in the RMD provides for an opportunity to fine tune the combination of Social Security benefits and distributions by retirement plans and traditional IRAs. The downside is…
From: www.morningstar.com
These maneuvers may even improve your portfolio.
Morningstar’s resident tax guru Sheryl Rowling describes the conventional method of making charitable contributions as “kind of a breakeven” from a tax standpoint. If an individual writes a check to charity, she can deduct the contribution on her taxes, but she’s contributing dollars that have already been taxed.
Of course, contributing to a charity and…
From: www.webfx.com
Artificial intelligence (AI) encompasses everything from chatbots to data analysis systems, helping businesses around the globe create personalized, sales-driving experiences for consumers and business buyers.
Already, analysts predict spending on AI systems reached nearly $118 billion in 2022 and surpass $300 billion in the next few years.
How much does artificial intelligence cost, though? It’s a question companies of all sizes (from enterprises to…
From: Russell Investments
Tax-loss harvesting opportunities always exist and no volatility is too little.
That’s why Russell Investments places a special emphasis on minimizing the capital gains distributions of each of our tax-managed mutual funds, through the use of tax-loss harvesting and other tax management strategies. With a full-year focus on managing taxes, our tax-managed funds have effectively mitigated tax impact and…
From: AXS Investments
Persistent, long-term inflation can cut the purchasing power of investor savings in half.
The question is: how fast?
Investors must achieve real returns above inflation to meet long-term objectives, such as retirement or providing children with an education. A low risk, low return portfolio may prove to be high risk over time once inflation erodes the purchasing power of investor savings.
Go to page: 3 Retirement Trends to Watch in 2024From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Many of us have a picture of what the average retiree looks like, but the way people view retirement and how they want to spend their golden years is changing in some ways. These three trends might shed some light on what to expect in retirement and how to plan ahead:
1. Life keeps getting better. Retirement…
Dustin Murdoff from Mundorf Wealth Management takes a deep dive with Mark DiOrio, Chief Investment Officer at Brookstone Capital Management, on what a Risk-Managed Investment Approach looks like. Here they discuss how Advanced Strategy Diversification is central to that approach.
Go to page: How to Calculate Your Net WorthFrom: REAP, LLC. | Retirement & Estate Advisors & Professionals
Your net worth is a measure of your total assets minus your liabilities. While that sounds easy enough to determine, you have to consider more than what is in your bank account. How can you calculate your net worth?
Add Up Your Assets
First, add up all of your assets, anything that you own that has value. Assets might…
From: www.morningstar.com
Sequence of returns risk
Paul retired in 1990 with $1M in his account that was invested in the S&P 500.
Bill started out the same, but his ending values looked much different since he retired in 2000 and had much different luck than Paul.
While planning for retirement, many focus on the accumulation phase and fail to acknowledge how a negative…
From: www.morningstar.com
Our annual study suggests that new retirees can spend more from their portfolios.
Recent retirees haven’t had an easy time of it lately. When stock and bond prices both plummeted in 2022, many retirees saw big dents in their portfolio values; a typical portfolio made up of 50% stocks and 50% bonds would have lost about 16% for the year. While market conditions…
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