Retirement investing is the process of setting aside money during your working years with the goal of generating income to support you during retirement. It's important to start saving for retirement as early as possible, because the earlier you start, the more time your money has to grow through compound interest.
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Long story short: my grandparents own the house next door to them and they’re in the process of selling it. They don’t have a financial planner and refuse to get one so they’re looki...
After doing research on the difference in returns of ESG funds/ETFs looking to DIY asset allocation. Previously using Vanguard to hold $$$$s but they are being pushed further and further into ESG. I j...
I finally clearly understand why I haven’t been able to shake some of the stress I’ve been feeling lately. Despite writing less, doing less business deals, and exercising more, I still fee...
I've been super worried about my dad's plan to invest his IRA in gold, like pretty concerned about it. I understand that gold is seen as a safe investment, but I'm worried about the risks and I know H...
[Editor's Note: It’s finally here! After months and months of planning, the Physician Wellness and Financial Literacy Hybrid Conference (WCICON23) starts today. But don’t worry: there&rsqu...
You can still put money in an I.R.A. for 2022, and that’s better than not investing at all. But an early start would have given you a great advantage, our columnist says....
Are you looking for higher returns on your investments? Well, if you want to go big, then you might just have to go small. What I'm talking about is called "small cap investing," or investing in stock...
Hello, This might be an odd question, but I need advice and I’m not sure what to do. I’m 32 and currently have a retirement account through work. I contribute 3% and they match it. My mone...
With the 2022 RRSP contribution deadline right around the corner, it’s the perfect time to revisit your retirement savings strategy. Is the money in your RRSP aligned with your retirement goals?...
In any investment, there is risk involved. Without risk, there wouldn’t be possible returns. Real estate can be viewed as ... Read more...
[Editor's Note: If you’re a medical or dental student who needs a jumpstart on your financial education, mark your calendar for the Planning for Success webinar on February 15. WCI Founder Dr. J...
By Dr. James M. Dahle, WCI Founder It's been a while since I wrote about cryptocurrency and cryptoassets. The last time I did, they were flying high. In 2022, it subsequently crashed. Industry leader ...
Sustainable investing is becoming a hot topic. Learn how you can invest to support both your values and your financial security....
I’m both excited and scared about the concept of Artificial intelligence (AI) including ChatGPT, which is currently all over the technology news. The technical and engineering side of my brain i...
Do the wealthy invest differently from everybody else? And, if so, what can we learn from them? A month ago Bank of America released their 2022 Private Bank Study of Wealthy Americans, which attempted...
One of the most common questions I have gotten from readers is: Would it be better to invest more money following a market decline? For example, if you were originally investing $500 a month, should y...
I know you've probably heard the advice many times before: "Don't copy your neighbor's investment decisions." "Don't follow the crowd." "Don't succumb to FOMO." For most of my (short) investment caree...
I know enough about investing to recognize the flaw in thinking that I should check the stock market every day. Here's how I've stopped. The post Why I’m Trying Not to Check the Stock Market and My Po...
Let’s journey back in time and discover how the US stock market reacted when the Soviet Union launched Sputnik 69 years ago. The post Happy Anniversary to the Sputnik Launch, Which Pulverized the US S...
Here's how you should consider whether to participate in a non-governmental 457 plan, its pros, and its cons. The post Should I Be Participating in a Non-Governmental 457(b) Plan? appeared first on Th...
Here's my approach to goal-setting and how I incorporate SMART goals into my overall strategy. Using SMART goals has been highly effective. The post Setting SMART Financial Goals appeared first on The...
My writing today is very different from 2013. Back then, I was a dividend stocks and early retirement writer. But now I’m more about passive investing and data-driven DIY financial planning. I’m also ...
For decades, the retirement savings advice has been consistent: Save more than you spend. Invest the difference wisely. Max out your 401(k). Reach your number. But then something […] The post The Fore...
Answering listener questions about how FDIC and SIPC protections work and where they fall short, why money market funds can be a good option for holding significant cash, and what changing diversifica...
Accidents are a real-world possibility that could happen to anyone, even physicians. Which is why umbrella insurance coverage is important. The post Understanding Umbrella Insurance Coverage: What’s P...
I’ve now been interested in personal finance, investing and FIRE since late 2007. That’s a long time and means I still follow a number of what are now old school largely US based but still largely rel...
Inheriting money or stocks is life-changing, but it comes with a big responsibility. Take our quiz to see if you're ready to invest your new windfall wisely.
For most of my adult life, I thought freedom meant depending on no one. That’s why I choose to quit my stressful job and travel the world in my 30s. Obsessively saving and investing was the key to fin...
Receiving an inheritance can change your financial picture overnight. Before you spend or invest it, here's how to decide where the money should go.
The closer you are to retirement the hard it will be to recover from costly financial mistakes. From medicare to taxes to investing, retirement planning is complex.
The first publicly available S&P 500 index mutual fund overcame a rocky launch to help make low-cost indexing a foundational building block of retirement investing
In addition to saving and investing, financial literacy should teach us how to manage 401(k) cash-outs and rollovers so we can protect our wealth.
My personal approach to investing for FIRE can be summarized as being 95% boring.
Investors might want to add "buffered" strategies like registered index-linked annuities (RILAs) to their investing toolkit to balance downside risk.
Turning 45? Retirees reveal the biggest investing, saving, and spending mistakes they made during their peak earning years—and how to fix them today.
New EBRI research finds health savings account balances continue to grow as longtime accountholders save and invest more, yet just 18% invested any of their HSA assets outside of cash
Tuesday, August 11 - Monday, August 17, 2026 Most Commented score comments title & link 31 257 comments Do you pay off the mort or invest Top Comments score comment 31 /u/atropear said Russian proverb...
Do retirees actually run out of money? After reading hundreds of real retirement stories from people who did, one pattern became clear: it usually wasn't poor investing that caused the problem. In thi...
For years, tax-optimizing investing strategies were confined to hedge funds and ultrawealthy families with access to specialized financial planning. Now, ... Read more
We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don't lose mo...
We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there's not nearly as much thought and research given to how you take that money out once...
As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies ar...
Retirement investing is all about discipline. Pick a strategy that’s optimized for maximum returns and lowest cost, then deploy it, and let time compound your wealth. Many DIY investors choose a passi...
Artificial intelligence is transforming markets, but retirees should approach the AI investing theme with caution and a well-diversified portfolio. The post AI for conservative investors appeared firs...
Between Trump accounts and child-friendly investment platforms, it has become much easier for parents to invest for their children’s future.
Although there are advisors who suggest steering clear, there are times when clients might benefit from using a checkbook IRA to invest in alternative assets.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
I started investing in dividend-paying blue chip stocks in 1995 when my uncle gave me a share of Chevron stock. He told me that if I keep buying more shares and reinvesting the dividends into addition...
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
I love investing in private real estate debt funds. But lately, figuring out which accounts to put those funds into has been a struggle. The post Issues with Private Real Estate Debt (Credit) Funds in...