Stock Market and Investments

Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

We’ve received an increasing number of calls from clients over the past year worried about funding their retirement after their employer either significantly scaled back the corporate pension plan or eliminated it altogether. For a long time, corporate pension programs were a major source of retirement funding for employees all over the United States. These pension programs would allow the company to finance their employees’ retirement through regular payments, much like in an individually owned annuity.






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Know When to Rollover Your 401(k) into an IRA – and When to Wait

When a person retires or separates from an employer’s service, they often have the opportunity to roll their 401(k) or other employer-sponsored retirement plan into an IRA. For many people, the process seems particularly urgent and they request the paperwork immediately upon leaving their job. However, it’s worthwhile to be patient, consider your options, and…

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How Retirees Can Protect Themselves from Inflation

Inflation refers to the rise in price of goods and services over time. For example, that movie ticket that cost $5 in 1990 may cost $12 now. While inflation might sometimes creep up on us slowly and in ways we don’t immediately notice, the resulting decline in purchasing power poses a risk for retirees, particularly…

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Ways to Help Manage Systematic and Non-Systematic Investment Risks

There are two categories of investment risk: systematic and non-systematic. Systematic risk is associated with the stock market as a whole, and non-systematic risk is associated with a particular company or industry. Individuals at or near retirement should be aware of both types of risk and understand ways to manage them. While it’s impossible to…

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Stock Market Risk: Too Much for Retirees to Handle?

I had lunch with my friend Peter recently. He and I are in different places financially and have very different experiences with stock market risk. I think part of that has to do with his corporate job and investing experience over the past four decades, which ultimately may help to ensure him a more financially…

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Do Low Interest Rates Pose a Risk to Your Retirement?

Interest rates are at historically low levels. They have been that way for several years while the US Federal Reserve attempts to stimulate economic growth. Sounds ideal, right? Well, what’s good for some isn’t as good for others. Low rates may help a young family looking to buy their first home, but it may hurt…

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