- Pros and Cons of Investing in Treasury Bonds
When it comes to building a diversified investment portfolio, understanding the pros and cons of investing in Treasury bonds is essential for making informed financial decisions. These government-backed securities have long been considered a cornerstone of conservative investment strategies, offering a unique combination of safety and predictability that few other investments can match. Treasury bonds… read more…
- How to Negotiate for Equity in a Startup or Private Company
Equity can make you rich. But that’s a bold claim for most workplaces. If you’re lucky enough to work for a future unicorn then, yes, getting a share of ownership really can set you up for life by age 40. That, however, is rare. Nevertheless, stock options and other forms of equity can be an important… read more…
- What’s the Average Return on an All-Bond Portfolio?
Like all markets, bonds fluctuate. Your returns will be based on what you hold, when you buy it, tax treatment and other factors. While many choose to diversify their portfolios across stocks, bonds and other assets, an all-bond portfolio may allow for more predictability and income generation. You can also diversify an all-bond portfolio with… read more…
- Is Your 401(k) Socially Responsible?
Can your retirement savings make a difference in the world, other than ensuring a secure financial future? Many individuals today are steering their focus toward aligning investments with personal values. The environmental, social and governance (ESG) lens allows your investment strategies to magnify the impact on society. So, ask yourself, are your retirement savings making… read more…
- What to Do When Your 401(k) Loses Money
Investing in a 401(k) is chosen by many employees, offering a convenient and often successful method to save for retirement. While a 401(k) may often be a wise decision, it comes with risks, and understanding how to handle market fluctuations affecting your account value is crucial for long-term financial security. When your portfolio drops it… read more…
- What Is the Participation Rate in an Annuity?
The participation rate in an annuity refers to the percentage of the index’s return an insurance company credits to the annuity. If we consider the participation rate to be 80% and the index increases by 10%, the annuity gets credited with an 8% (80% of 10%) return. This is an important element to consider when… read more…
- TIPS Bonds Offer Retirees Inflation Protection – Plus a Profit
Often overlooked by retail investors, TIPS, or Treasury Inflation-Protected Securities, are U.S. government-backed, fixed-income securities that offer inflation protection – and often more. After jumping 2% on all maturity lengths last month, TIPS yields are offering the best yields in more than 10 years. A financial advisor can help you pick the best savings and… read more…
- How Much Can You Make in Dividends With $100k?
Popular conceptions of investing involve trading company stock when its value appreciates. However, dividends allow you to profit from holding company stock without having to sell it. Dividends offer investors regular cash payouts from companies they’ve invested in, resulting in passive income. So, how much can you make in dividends with $100K? It all depends… read more…
- What Is a Credit Spread?
You can think of a credit spread as a financial arrangement that allows investors an opportunity to try and generate income by taking a positive position on one option whilst simultaneously taking a negative position on another. Mastering the concept of credit spread and exploring its impact on your investment strategy can provide potential benefits,… read more…
- Does Google Pay Dividends?
While Google is widely known for its success, investors should exercise caution when purchasing its stock. It’s important to note that Google doesn’t pay shareholders dividends to its investors. If you already have investments in Google or are contemplating adding it to your portfolio, it is crucial to grasp its position on dividends, business model,… read more…
- Who Sells Annuities and Where Can You Buy One?
Annuities are contracts between an individual and an insurance company. In exchange for a lump sum or series of payments, the insurance company guarantees regular payments, either immediately or in the future. Before you can buy an annuity, though, you first need to know who sells annuities. Thankfully, there is some flexibility, as annuities can… read more…
- Does Amazon Pay Dividends?
Unlike many companies that provide dividends to investors, Amazon does not offer dividends. While this may make it less appealing to income-focused investors, those prioritizing long-term growth may find Amazon’s profit distribution approach and growth strategies advantageous. Whether you already have investments in Amazon or are contemplating adding it to your portfolio, it is crucial… read more…
- Investment Strategies for Making $100,000 Per Year in Passive Income
The journey towards financial freedom and independence often involves passive income, which can be a primary component in long-term wealth creation. Passive income refers to earnings that are generated with little or no effort on the part of the recipient. Working towards $100,000 per year in passive income may be achievable by strategically investing in… read more…
- Active Income vs. Passive Income
Achieving financial freedom starts with the right investment approach. Active and passive investing offer distinct paths to growing wealth—active investing involves hands-on decision-making and frequent market participation, while passive investing focuses on long-term gains with minimal management. Understanding the benefits and trade-offs of each strategy can help individuals align their investments with their financial goals,… read more…
- Could TIPS Ladder Funds Help Mitigate Inflation Risks?
What if you could tame long-term inflation? Right now, this is one of the biggest questions in financial circles. After nearly 40 years of very stable money, in 2021 and 2022 prices surged. For the first time in a generation, inflation… read more…
- Can You Transfer a 401(k) to a CD Without Penalty?
Rolling over a 401(k) is something you might consider if you’re planning to retire or just changing jobs and don’t want to leave your savings behind. When deciding where to move retirement assets, a certificate of deposit is one you… read more…
- Morgan Stanley Says You Should ‘Play Defense’ With These Income-Producing Assets
Is it time to play defense? Economists have a fairly simple story to tell about the 2023 economy: things are weird. Inflation raged out of control in 2022, but has been falling in 2023. A volatile stock market remains below its… read more…
- What Is a Bump-Up CD and How Is it Used to Increase Your APY?
Certificates of deposits are some of the safest investments you can make. They are not dependent on the stock market, they are protected by deposit insurance and they have clear terms that you understand going in. A bump-up CD, also… read more…
- Capitalizing on Lucrative CD Rates: Seize the Opportunity for Profitable Returns
After a relentless series of 10 interest rate hikes within a span of 15 months, the Federal Reserve’s Open Market Committee is poised to pause or potentially halt the upward trajectory as inflation shows signs of subsiding. As inflation gradually… read more…
- How to Make $500 a Month in Passive Income
You can produce $500 a month in passive income through savings accounts, certificates of deposit, stocks, bonds, funds and other investment vehicles. Each offers varying rates of return, degrees of safety, convenience, and liquidity. And each requires a significant initial… read more…
- How to Make $1,000 a Month in Passive Income
Is it possible to earn a paycheck while sitting on the couch watching television? Absolutely, but it takes a bit of work beforehand to set things in motion. By developing online assets, investments and interest payments, you can put your… read more…
- Obsessed With High-Dividend Stocks? Here’s Why This Major Firm Says That’s a Mistake
In recent years, high-dividend stocks have become especially popular among investors looking for income in their portfolios. A new article from asset management firm AllianceBernstein, though, posits that these shares are not enough for building an effective portfolio. Rather, the… read more…
- 6 Ways to Make Money Daily With Investments
If you put your money to work by investing, you can profit daily from passive investments. Passive income-generating investments that don’t require your active involvement include exchange-traded funds, individual stocks and bonds and real estate investment trusts. You can accumulate… read more…
- This Investment Beat Out Stocks By 25 Percentage Point Last Year: Should You Add It to Your 2023 Portfolio?
It’s no secret that 2022 was a difficult year in the market for stocks, but dividend stocks actually delivered solid returns for investors. And that’s good news for retirees who rely on dividend stocks as a source of income. With… read more…
- Treasury Bills vs. Bonds: What’s the Difference?
Fixed-income securities play an important role within individual investment portfolios and the economy at large. But like other securities, fixed-income instruments come in a myriad of variations, from short-term Treasury bills that only pay interest when the bill matures, to… read more…