“I have a retirement fund through work, which is in fairly good shape, but had to reduce contributions this past year because of increasing costs.” (Photo subject is a model.) - Getty Images/iStockPhoto Dear Quentin, My mom just gifted me $10,000 and I’m stumped about my next move. I’m 55, female, single, make $78,000 a year and live in Oklahoma. I have no kids. I have $60,000 left on my mortgage (with a 3% rate) and $15,000 on a car loan (8% rate). I also have $1,000 on a credit card, which will be pai ...

There are more than 24 million millionaires in the U.S. If you’re one of them, you might have the extraordinary privilege of being able to retire whenever you want. Most Americans consider $1.26 million to be the “magic number” for retirement, according to Northwestern Mutual’s 2025 Planning & Progress Study. (1) So, if you have more than that amount, you could be ready to quit the rat race. Alternatively, you may prefer to continue working and saving. Many millionaires and multimillionaires continue th ...

Canva | studioroman and joshblake from Getty Images Signature Planning for retirement is something everyone, regardless of income, needs to take seriously, but for high-income individuals, it really is a case of "mo' money, mo' problems." The reason is the wealthy have more options available to them to shield their income and position themselves for a more comfortable retirement. This issue was brought to light by a Redditor on the r/chubbyFIRE subreddit who is 30 years old and is looking for early ret ...

Gold prices have surged roughly 60% in 2025 — far outpacing the S&P 500’s mid-teens gains this year (5, 6). Many investors see gold as a safe haven during rough economic times, making it a worthwhile consideration when planning your retirement nest egg.Opening a self-directed retirement account like an individual retirement account (IRA) can help you in this case. The main benefit? You can grow your assets tax-free or defer paying tax until you retire.But you might be one of many Americans who don’t have ac ...

By your late 40s, you’ve likely developed the skills to earn and save effectively. But have you mastered how to spend? Your spending habits at this stage can make or break your retirement. Even a solid nest egg or well-designed retirement plan can be undermined by poor spending choices if you don’t adjust early. With that in mind, here are five common money-wasters in your 40s and 50s that you can cut to stay on track toward lasting financial freedom. Must Read 1. Not downsizing once your nest is emp ...

One of the most popular and well-known money gurus out there today is Tony Robbins. For decades, Robbins has been releasing books, conducting seminars and giving financial wisdom to those who are seeking answers for how to get their money on track. Find Out: What Is a Good Monthly Retirement Income? Learn More: 5 Clever Ways Retirees Are Earning Up To $1K Per Month From Home One group that might need an extra bit of help are retirees. Luckily, Robbins has a bounty of methods for making sure they do not ru ...

View Categories Recommended For You Voss Capital Taps SS&C GlobeOp for Fund Administration LCH SA & OVHcloud Agree to Collaborate Time to Unify the SEC & CFTC? Can AML Systems That Use A.I. Avoid Hallucinations? The insurance company is using Composer for its individual annuities business transformation program.Aviva plc, a British multinational insurance company, has implemented the Composer software-as-a-service (SaaS) platform from wealth management and advice solutions provider GBST, which will sup ...

The core promise of the US retirement system is security, but for the vast majority of savers, that promise is failing under the pressure of pervasive fear and volatile markets. That's according to Mike Downing, co-president of Athene USA and COO of Athene Holding, who said the financial fragility of the average retiree means their hard-earned nest egg is far more vulnerable than they realize. "It's a real fear. It's well over half [who] fear running out of money. It's about 64%," Downing told Yahoo Fin ...

Be sure you’ve accounted for all possible expenses in that estimate for annual expenses — not just the month-to-month bills like a mortgage or rent, utilities and groceries, but the discretionary spending that makes retirement fun, and the extra savings you’ll want should an emergency arise. You’re in a good position to increase your annual expense estimate to be on the safe side, especially if you’re planning to continue saving (just in other vehicles beside your retirement accounts).A few key pointers: ho ...

美国社会保障制度变化 - 社会保障金的完全退休年龄已从66岁提高至67岁 适用于1960年或之后出生的人群 [2][3][8] - 未来存在进一步将完全退休年龄推迟至68或69岁的可能性 以应对福利削减的风险 [3] 退休投资策略 - 由于完全退休年龄可能推迟 需要通过外部投资组合来创造收入 以实现更早退休的目标 [4] - 构建正确的投资组合对于积累足够退休收入至关重要 [4][8] 交易所交易基金投资选择 - Vanguard S&P 500 ETF 跟踪标普500指数 提供跨行业的即时多元化投资 自成立以来回报率约为15% [5] - Vanguard S&P 500 ETF 以其低成本著称 费用比率极低 为0.03% [6] - Vanguard Total Stock Market ETF 提供比VOO更广泛的多元化 跟踪整个股市 包含中小型公司 可能提供更高的增长潜力 [7][9] - 文章提及的VOO、VTI和SCHB都是值得考虑用于增长投资组合的选项 [8]