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- 5 Best Dividend ETFs and 3 to AvoidDividend investing has become an obsession. Books have been written about. YouTube channels have been dedicated to it. Some have an almost cult-like attachment to the Dividend Aristocrats. Many investors flock to dividend ETFs because of their higher yields. In contrast, I like dividend ETFs for their lower valuation metrics. Given the high valuations in […]
- 10 Ways to Protect Your Financial Accounts from HackersAccording to one study, cybercrime will cost the world $10.5 trillion a year by 2025. Today, every financial account from banks to credit cards to investments offer online access. For investors, the risk of loss from cybercrime ranks as the #1 concern. Fortunately, there are steps we can all take to increase our online security. […]
- 5 Best Retirement Planners and Apps (#1 is Free)Retirement calculators can help us plan and prepare to retire. When we are years away, these online tools can help us determine how much we should be saving. As we approach our time to retire, they can help us understand how much we can spend each year and which accounts should fund that spending. Not […]
- 7 Best Mint Alternatives in 2021 (Free & Paid)Mint was one of the first free online budgeting apps when it launched in 2007. Intuit purchased Mint in 2009, and today many users are looking to replace Mint with a different personal finance app. Here are the 7 best Mint alternatives worth considering. Top Mint.com Alternative Picks Of all the options out there to […]
- 3 Ways Early Retirees Can Tap Retirement Accounts Without a 10% PenaltySummary: In most cases, distributions from a 401k, IRA or other retirement account before the account owner reaches the age of 59.5 are subject to a 10% penalty. There are, however, a number of exceptions. Some of the exceptions are unique to IRAs, while others are unique to 401k and other Workplace Retirement Plans. Hardship […]
- Fidelity ZERO Funds–Are They Worth the Cost?Fidelity launched its ZERO index funds in 2018 to much fanfare. As their names suggest, these funds carry no expense ratios, a first in the industry. As great as a “free” mutual fund may sound, however, many wonder whether there is a catch. Recently a subscribe to my YouTube channel asked the following questions: Could […]
- The 60/40 Portfolio for Retirees–Good, Bad or Ugly?The 60/40 portfolio has powered retirements for decades. With 60% stocks and 40% bonds, this balanced fund offers equity-fueled growth and fixed income stability. Today, however, many are calling into question the sustainability of the 60/40 portfolio. Some even argue that it’s dead and that retirees need take on more risk if they want to […]
- How Much Cash Should Retirees Keep On Hand?Moving from a regular paycheck to living off of your nest egg is not an easy transition. At least it hasn’t been for me. One of the many decisions retirees must make is how much cash should they have in the bank. For some it’s a question of budgeting. They keep enough to pay the […]