Key Points A later retirement puts you at an advantage in certain regards. Figure out a withdrawal rate that supports you desired lifestyle while preserving your nest egg. Continue to invest wisely so your portfolio keeps generating returns. The $23,760 Social Security bonus most retirees completely overlook › A lot of people retire in their 60s, but doing so isn't for everyone. And there can be benefits to delaying retirement until your 70th birthday, especially if you enjoy what you do for a li ...

mavo / Shutterstock.com Quick Read A financial advisor can help you better plan for retirement and manage your money during it. An advisor can help you claim Social Security strategically and invest your nest egg wisely. They can also help you manage your tax obligations and reduce them when possible. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.   Planning for retirement can be a very excitin ...

Comprehensive study highlights the need for improved plan design and participant support to help with retirement security 12NEW YORK, Dec. 16, 2025 /PRNewswire/ -- J.P. Morgan Asset Management today released its "Retirement by the Numbers" report, revealing that anonymized Chase household data showed that 48% of plan participants carry credit card debt, which increases their likelihood of taking a loan from their retirement plan. High credit card balances are also associated with lower contribution rates a ...

First, as Dever noted, inflation is a hidden risk. Most investors learn the common wisdom of investing in growth-oriented assets during their working life and more conservative, income-oriented assets once they retire. This is a strategy built around protecting your nest egg in your retirement years.There are two big risks despite this well-funded retirement account, but a financial advisor can help you prepare for both of them.“The 4% withdrawal rule can be a useful starting point,” said Bryan Cannon, auth ...

投资组合再平衡与税务规划 - 临近2025年底，投资组合再平衡是一项有益的活动，特别是对于有资本利得和潜在应税损失可用于抵消收益的投资者而言 [1] - 特朗普政府已通过税收和支出法案，这不仅对2026纳税年度有实际影响，也对本财年产生影响，许多税收优惠需要在年底前利用 [6] 投资组合多元化与风险管理 - 对于过度暴露于人工智能和成长股的投资者，通过固定收益ETF、持有一定现金或黄金、或投资另类资产来实现投资组合平衡，可以获得更好的风险调整后回报 [2] - 集中投资策略（主要集中于科技股）长期以来可能是正确的选择，但未来情况可能未必如此，重新评估行业敞口以及未来5到10年的投资组合构成很重要 [8][9] 个人财务与长期规划 - 审查保险单、订阅服务和其他固定成本是有帮助的年终任务，重新报价保险或银行业务以获得更优费率，长期可节省数千甚至数十万 [11] - 重新评估每月预期支出并尝试按月管理预算，对于希望长期显著增长财富的投资者至关重要 [13] - 更新遗嘱、设立信托或审查长期遗产规划文件是年终的重要事项，对于有子女、年长或有健康问题的人更为紧迫 [15] 收入与宏观经济监控 - 重新评估每月收入能力（即“铲子”的大小）对实现投资和个人财务目标的影响，可能与控制支出一样大甚至更大，规划副业或盈利爱好等额外收入流可带来长期回报 [17] - 通过签订指定期限的合同来保障工作，是许多人的选择，风险厌恶者可能受益于现金流稳定性，并围绕自己的工作或投资组合建立护城河 [19] - 及时了解宏观经济动态可以带来长期的巨大助力 [20] 目标设定与退休规划 - 设定有意义但可衡量的目标至关重要，大多数人低估了五年内能完成的事，但高估了一年能完成的事 [21] - 退休不仅仅是选择最好的股票或ETF，积累阶段与分配阶段存在简单但至关重要的区别 [21]

Most Canadian Do-it-yourself (DIY) investors are hybrid. They own a basket of Canadian stocks and largely manage U.S. and international diversification by holding ETFs. The ETFs are managed for you; that means the holdings (stocks and bonds) are rebalanced for you. When you hold a portfolio of individual stocks you will have to manage your own rebalancing. When to rebalance your stocks in retirement offers its own considerations. It can be a different ball game when we consider RRSPs and TFSAs where there a ...

COLA Disappointments and Social Security Risks: Millions of Americans rely mostly on Social Security in retirement. But this can create serious financial risks. The average Social Security benefit in 2025 is only $2,015 per month, roughly $24,000 per year. For most retirees, that replaces just 40% of their pre-retirement income. And there’s more risk ahead. in the next decade. As baby boomers retire, the program may run out of funds. If Congress doesn’t act, benefits could shrink. Relying solely on Social S ...

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. There's rich, and then there's rich but stressed. And according to one 35-year-old actor, even a $425,000 income doesn't buy peace of mind—especially when you're juggling rental properties, family support, and the chaos of a volatile industry. In a post shared on Reddit's high-earner finance community, a user opened up about the gnawing uncertainty that comes with boom-or-bust money. "I always feel like I ...

“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 ...