Investment Strategies Archives

What You Need to Know about Index Funds and Mutual Funds

On their surfaces, index funds and mutual funds may seem interchangeable. Both offer diversification of assets and are commonly invested in a basket of stocks that aim to meet a certain investment goal. However, there are many key distinctions that separate an index fund from a mutual fund – distinctions that may be crucial to your portfolio of retirement investments. The Breakdown of Index Funds Index funds invest in a specific list of securities, such as [...]

Rebecca Mack2022-12-09T14:53:09+00:00December 9, 2022|Financial Planning, Investment Strategies|

Can You Turn Investment Losses into Tax Gains?

When markets take a spill, especially when it comes to your retirement investments, it’s harder to find ways to meet your financial goals. If you were relying on IRA or 401(k) withdrawals to cover your expenses, doing so when markets are down would decrease the lifespan of your savings. And if you’re nearing retirement, market losses may provide cause to push back the time you enter retirement. While all these concerns are legitimate, there is a [...]

Rebecca Mack2022-12-07T16:28:18+00:00November 7, 2022|Investment Strategies, Stock Market, Tax Strategies|

Does the 4% Rule Really Work?

During your saving years, your main goal is to accumulate wealth so that you have the resources to achieve a comfortable retirement. But that is just half the battle. How you use your savings to cover your living costs is the real key to living the retirement you dream of. You may have done some research on what strategies you can use to provide yourself with the income and liquid cash you need to cover your [...]

Rebecca Mack2022-11-03T15:56:06+00:00November 3, 2022|Financial Planning, Investment Strategies, Retirement Income, Retirement Planning|

Rediscovering the Value of Yields in Recessions

For decades, the name of the personal finances game has been an asset or equity growth. High-growth tech stocks grew to dominate the market, some of which have grown to be among the largest companies in the world. And if you owned stock in those companies while they made their meteoric rise, your overall wealth may have ballooned in the process. But how confident do you feel with your wealth in those stocks? Would you feel [...]

Rebecca Mack2022-10-28T20:27:56+00:00October 28, 2022|Financial Planning, Investment Strategies, Stock Market|

5 Unique Risks for the Affluent Investor

You may think that as a high net worth individual, or even a millionaire next door, you may have an easy road ahead in maintaining your wealth. But a greater amount of wealth to protect introduces unique challenges that are specific to the size of what they have to protect. Although many investing and wealth-preservation principles apply to anyone – such as developing a tax plan, assessing a portfolio’s risk exposure, and more – there are [...]

Rebecca Mack2022-10-14T00:03:01+00:00October 14, 2022|Investment Strategies, Stock Market|

A Financial Advisor Can Prepare You for A Wintery Market

When the winter season comes around, you’ll likely have to adjust your routines and prepare for the cold. If you’re in colder states, you may be looking to purchase a new winter coat or snow boots, or skiing equipment for your winter holidays. Or you may be restocking your snow salt for what are soon-to-be icy sidewalks and driveways. If you live in warmer states, maybe you’ve closed your windows and patios and put your fans [...]

Rebecca Mack2022-10-07T18:45:19+00:00October 7, 2022|Financial Planning, Investment Strategies|

5 Key Components to the Retirement Bucket Strategy

Saving for retirement is a long-term endeavor. It’s not about finding the next hottest stock or trying to get rich quickly. It requires a different perspective on your wealth and income that accounts for your needs in different stages of your life, from the beginning of your working years through your retirement. These five key components will help simplify the bucket strategy so you can understand it and apply it to your retirement strategy. The Risk [...]

Rebecca Mack2022-09-06T19:49:40+00:00September 6, 2022|Financial Planning, Investment Strategies, Retirement Income|

Three Things to Know About Investing in Retirement

There’s a lot of investing advice out there, but how do you know what’s right or what’s right for your specific situation? The rules can change a bit when you get closer to and enter retirement, and the world of investing is constantly changing. There’s a lot to know about investing in retirement, and we can help you learn. The World of Investing Has Changed Cryptocurrency? Non-Fungible Tokens (NFTS)? The world of investing has changed [...]

Rebecca Mack2022-01-27T21:10:59+00:00January 24, 2022|Investment Strategies|

What is a Roth Conversion and Should You Do It?

When you think of your major expenses, you might think of housing, healthcare, travel, or something else. But have you considered that taxes could be your biggest expense, even in retirement? There could be ways to reduce your tax burden today and tomorrow, including a Roth IRA conversion. What is Roth IRA vs. a Traditional IRA? Workers can contribute pre-tax dollars to a traditional IRA. When money is distributed, it’s taxed at ordinary income rates. In [...]

Rebecca Mack2021-12-22T18:29:17+00:00December 22, 2021|Investment Strategies|

3 Things You Can Do If You Don’t Qualify for a Roth IRA

There's evidence to suggest that we might be experiencing historically low tax rates right now. The Tax Cuts and Jobs Act will expire in 2025 or possibly sooner if there’s a leadership change in Washington. By the end of the year, total government debt is expected to almost equal the size of the U.S. economy.[1] This is one trend to keep an eye on when planning for retirement since taxes could rise in the future to [...]

Rebecca Mack2020-10-08T16:36:57+00:00October 4, 2020|Financial Planning, Investment Strategies|