Retirement
How to Read Your 401(k) Fee Statement (and What to Demand)
An extra 0.5% in 401(k) fees does not sound like much. Compounded over 35 years on a growing balance, it costs roughly $…
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29 results for “investment”
Retirement
Annuities: When They Actually Make Sense (and When They Don't)
Annuities have a bad reputation because the worst ones are sold hardest and the good ones are barely marketed. A single…
Insurance
Term vs Whole Life Insurance: Why Permanent Is Usually Wrong
Whole life is sold hard because it pays the agent a commission roughly equal to the first-year premium. Term is sold sof…
Debt
Mortgage vs Invest: Should You Pay Off Your House Early?
If your mortgage rate is below your expected long-run investment return, invest. If it is above, pay down. That is the h…
Investing
Dividend Investing: The 7 Yield-Trap Warning Signs
A 12% dividend yield looks like a gift. It almost never is. When a stock's yield doubles the market average, the dividen…
Investing
529 vs Roth IRA: Which Is Better for College Savings?
A 529 grows tax-free for college and gives many states a deduction on the way in. A Roth IRA grows tax-free for anything…
Investing
The 4% Rule Explained: How Much You Really Need to Retire
Multiply your portfolio by 4% and you have a number most retirees can spend each year for 30 years without running out…
Taxes & Bookkeeping
HSA Triple-Tax Stacking for High Earners: $1M+ Tax-Free at 65
The HSA is the only account in the US tax code with three layers of tax benefit: deductible going in, tax-free growth, a…
Retirement
Social Security at 62 vs 67 vs 70: The Break-Even Math
Claim at 62 and you lock in roughly 70 percent of your full benefit for life. Wait until 70 and you collect 124 percent…
Retirement
Solo 401(k) vs SEP IRA: Which Is Better for Self-Employed?
Self-employed retirement accounts come down to two real choices: Solo 401(k) and SEP IRA. They have the same $72,000 cap…
Retirement
Backdoor Roth IRA: The Legal Workaround for High Earners
Earn too much to contribute directly to a Roth IRA? The Backdoor Roth lets you put $7,500 a year into Roth anyway, legal…
Retirement
Mega Backdoor Roth: The $72,000 Loophole High Earners Miss
If your 401(k) plan allows after-tax contributions and in-plan Roth conversions, you can legally move up to $47,500 of e…
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