Retirement
American savers will now have the opportunity to include digital assets in their retirement savings accounts. The new changes follow the Securities and Exchange Commission (SEC) ‘s approval of eleven Spot Bitcoin ETFs. Introducing these investment vehicles would allow savers to include a percentage of digital assets, specifically Bitcoin, within their retirement savings account without purchasing cryptocurrency. This would help individuals minimize their risk exposure while having the opportunity to contribute significantly towards an ever-emerging digital marketplace. Despite the new rulings ...
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ValueWalk
ValueWalk
Many Americans have used the reverse mortgage as a way to make retirement living more affordable. With the cost of healthcare and other living expenses dramatically rising in recent years, it’s no wonder that thousands of people choose this option. In 2022, a national survey of homeowners who had reached retirement age found that many had trouble covering their everyday expenses, These mortgages let homeowners older than 62 turn part of their home equity into cash to help deal with these issues. This may sound like a good idea, but it’s widely known to have drawbacks too. Make sure you know wh...
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It’s that golden time. You’ve retired after years of labor. The future awaits you, with its vast expanses — ready for you to explore. Retirement can be a time to rest, relax, and reflect on all you have accomplished. It is also a great time to travel to places you have always longed to visit. Traveling and exploring can come with hefty costs. This is where miles come into play. With miles, you can travel the world for free. Let me guide you on how to accumulate miles so that you can live your dreams and tour the world without burning your wallet. How a Credit Card will Help you Travel for Free...
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Many American savers are caught between paying off their mortgage before retirement or taking that money and putting it towards growing their retirement savings. Sure, having more money during your golden years could help provide you with more financial security when you’re not working anymore, but carrying long-term debt can be a cost burden and quickly drain a person’s savings. Unfortunately, there isn’t some magical formula for deciding which option would suit you best. Each person’s financial situation is different, and it is important to remember that not everyone shares the same financia...
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When you think of retirement, what comes to mind? Are you looking forward to a time of freedom, relaxation, and pursuing your passions? Regardless of what springs to mind, some planning must be done before you chillax on the beach. At the very least, this can be about your future income streams, healthcare, and how you’re going to spend your newfound free time. Lucky for you, there’s a wealth of knowledge at your fingertips in the form of books. For retirement planning, here are 15 must-read books: 1. Retirement Planning for Beginners: A Comprehensive Guide to Building Savings, Maximizing Inco...
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As you approach and ultimately enter retirement, you’ll need to reduce the risk of your investment portfolio gradually. But what exactly does that mean? And what steps should you take to make your portfolio less risky? The Basics of Investment RiskIn the investing world, risk is simply a measurement of the chances that the outcome of a given investment will differ from the expected outcome. For example, when most people buy stock shares, they anticipate their prices going up over time. If the price remains the same or drops, it will result in losses and/or missed opportunities. Risk is importa...
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Retirement often brings to mind adventures to faraway destinations, yet these aspirations can remain elusive for numerous retirees. However, the right credit card can help make such grand travel scenarios more realistic. If you work hard to earn and redeem credit card rewards strategically, you can make these voyages possible without sacrificing the savings you spent years building. Here are some proven strategies that’ll help you get the most out of your points and miles in order to make travel a part of your retirement future. 1. Choose the Best Travel Credit Card for Your NeedsStart by pick...
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Small companies often have a family-like feel. Employers want to ensure their workers have a plan in place for retirement and long-term financial planning. Small businesses can offer a 401(k) plan or match contributions to spur savings. Tax laws and regulations can make offering a 401(k) complex. Some businesses turn to alternatives such as payroll deduction for IRA, where employees can allocate a certain amount of their check directly into their savings. Another option is a defined benefit plan, where the employer promises a promised pension amount each month upon retirement. Those who are se...
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