Tax-Efficient Retirement Withdrawal Strategies for a Worry-Free Life

coin jar spilled over

Death and taxes. I thought about the most depressing way to start this article, and mentioning those two inevitabilities was it. Okay, not really, but keeping them in mind is extremely important when thinking about tax-efficient retirement withdrawal strategies (and how to make your retirement savings last).

The Ivy Portfolio: How to Invest Like Harvard and Yale

ivy covered wall

Did you know that Harvard has a 37 billion dollar endowment?  That is a crazy amount of money.  And to be clear, that’s billion with a capital ‘B.’ Let’s examine what the pros do, the Ivy Portfolio, and you can replicate it.

Brex Review: The All-In-One Corporate Credit and Cash Solution?

hands on laptop at desk

Let’s face it: Finance is one of the least fun parts of owning a business. It’s time-consuming, complicated, and can even get expensive. With Brex, it doesn’t have to be this way.

What Is the 30 Day Rule (Stop Impulse Buying with This Simple Trick)?

cartoon hand drawing on calendar

Do you tend to add things to your cart without thinking about it? We’re all guilty of it from time to time. Whether it’s at the grocery store check-out or surfing the web, it’s easier than ever to spend your money without batting an eye. These purchases have a particular name – impulse buys – and they could be dragging down your finances. If you’ve had a regrettable experience (or more than one), we recommend trying the 30 Day Rule to curb your spending.

Asset Classes: The Lifeblood of an Investment Portfolio

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If your idea of a diverse portfolio is having both Apple and Microsoft, you need to better understand the concept of asset classes. Even if you own these high-performers, you’ve only invested in a single type – Mega-cap stocks. To diversify your investment portfolio, you’re either going to hire someone to do it for you or DIY. The latter approach requires an understanding of asset classes.

Discover Bank Review: A Fee-Free Mobile Banking Experience

hands on laptop

The first purchase with a Discover card was in 1985 at a Sears store in Atlanta. It officially launched in 1986 as a payment services company and has become one of the largest card issuers and banking providers with 15,000 employees and $57 billion in consumer deposits.

The Coffeehouse Portfolio: Caffeinate Your Investment Strategy

Investing is not as complicated as Wall Street would have you believe. Anyone reading this can become a successful investor. Part of successful investing is creating a portfolio that’s right for you, your age, your time horizon, and your financial goals. This is where investing gets complicated. Creating a portfolio from scratch takes a lot of research, time, and effort. But you don’t have to create one out of thin air. You can use the coffeehouse portfolio.

Novo Bank Review: Business Checking Made Simple?

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Business banking is crucial when you need to separate it from personal income. Without proper assistance, your finances get complicated. Small businesses, freelancers, and entrepreneurs should be mindful.

American Express Bank Review: Can You Maximize Your Savings?

notebook and coffee

American Express is known mostly for their credit cards, but they also offer Personal Savings options. Their online banking service lets them provide competitive interest rates well above the national average. We were curious to determine if a credit card company could compete in the world of online savings accounts.

Asset Allocation: How Does It Work and Why It’s So Important

tree by lake

Asset allocation is simple. Buy 2,000 shares of Tesla, 5,000 shares of Amazon, and put the rest in the hot stock tip you got last week. Now, sit back, relax, and watch your portfolio grow forever. That’s obviously incorrect, but wouldn’t it be nice if it were that simple? But, contrary to popular opinion, asset allocation isn’t that complicated.

Retirement Spending: Don’t Run Out of Money with This Game Plan

people at sunset

Most of us dream of retirement, sleeping in, no commute, all of our days will belong to us, and we can use them to do whatever we want. For those into the FIRE (Financial Independence, Retire Early) movement, retirement might be just around the corner. For those planning to retire at the traditional age of 65, it might be decades away.

Safe Withdrawal Rate: 4 Simple Strategies for Successful Retirement

fenced gate

Retirement used to mean a gold watch and pension. Times change. Today, retirement for most people is driven by an investment portfolio. But building your nest egg is only one part of the equation. It comes down to one question when you’re ready to retire: how do you manage it?

Simple Review: All-In-One Banking, Budgeting, and Saving Online

desk with wall clock and plant

The number of U.S. digital banking users topped 160 million last year. With so many frustrating banking experiences, it’s no wonder people are moving away from traditional banks. Customers want total transparency without being nickel and dimed or slapped with another hidden fee.

The Efficient Frontier: Is Your Portfolio Optimized Along Its Edge?

path in woods

Even those who consider all things personal finance, particularly all things investing, to be a hobby and speak all the related lingo fluently, may not be familiar with the name Harry Markowitz or the term efficient frontier. However, they may be familiar with the term Modern Portfolio Theory.

The Swensen Portfolio: How You Can Copy the Yale Model at Home

house plants

Figuring out the perfect investment strategy can be tough, especially if you go it alone. You have to worry about asset allocation, which assets to focus on, and countless other details. It’s a lot to handle. Luckily, there are some ready-made portfolios out there.

CIT Bank Review: Does Online Banking Mean You’ll Earn More?

plant in piggy bank

Gone are the days of little-to-no interest banking. Your money should earn for you, even the cash in your checking account. One way to do this is with CIT Bank. We’ll take a look at account offerings and interest potential in this CIT Bank review to determine whether it’s the right choice for you.

The Permanent Portfolio: Built to Profit Under Any Economic Condition?

reading book with coffee

I used to worry about losing money in the stock market. I didn’t believe I was smart enough to manage it myself. Turns out, you don’t need to be a stock analyst to invest. You only need to understand a few simple principles and you’ll do better than most.

Factor Investing: What Is It and Does It Produce Superior Returns?

math on chalkboard

Nobody likes losing money in the stock market. There’s no way of predicting it, and your earnings can swing wildly from year to year. But what if you could tilt your portfolio in a way to enhance returns? That’s what factor investing attempts to do. But what is it, should it be a part of your financial planning toolkit, and which robo-advisors are best?

Passive Investing: Why It’s the Easiest Way to Build Wealth

books and blocks

Ready to start investing but not sure you have the time or knowledge? Passive investing is the answer. We’ll explain how to invest the hands-off way.

The Larry Portfolio: Does Going Bond-Heavy Beat Stocks?

plant growing through concrete

Finding the perfect portfolio is debatable. Everybody has an opinion. There is no single portfolio that rules all. There is only the one that lets you accomplish your financial goals with minimal anxiety.

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