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What Is the Thrift Savings Plan?

By Elias Mael | January 6, 2023

You may have heard of a 401(k), traditional IRA, and Roth IRA—they’re all retirement plans that allow you to save and invest for retirement. A lesser-known plan is the federal government’s retirement savings plan, the Thrift Savings Plan (TSP). According to the Congressional Research Service Federal Workforce Statistics Sources: OPM…

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Index Fund vs. Mutual Fund: What’s the Difference?

By Elias Mael | December 2, 2022

Are you overwhelmed by the number of investment vehicles available to you as an investor? A common question some investors have is: Should I invest in an index fund or a mutual fund? According to Investopedia, “Mutual funds didn’t really capture the attention of American investors until the 1980s and 1990s,…

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Money Market Funds: What They Are and the Advantages and Disadvantages

By Elias Mael | November 25, 2022

If you’re looking at a short-term investment time horizon and want a liquid market, meaning you can easily pull your money out if you choose to, a money market fund can be a good investment vehicle. Per the U.S. Securities and Exchange Commission (SEC), money market funds developed in the…

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How to Diversify Your Portfolio

By Elias Mael | November 4, 2022

Go to almost any store or website that sells something—anything—and you will find several other products for purchase. In fact, you would be hard-pressed to find any place that sells one thing and one thing only. There is a huge, perhaps business-saving reason for this: having a diversified product line…

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Five Ways to Minimize Taxes When You Inherit Money

By Elias Mael | October 28, 2022

After someone dies, their assets are usually transferred to their heirs—whether that be their spouse, children, or other blood relatives. Whenever assets are transferred, a tax may have to be paid on them in the form of an inheritance tax, estate tax, or both. Investopedia says, “An inheritance tax is a…

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How to Survive a Recession: 7 Steps to Take Now to Prepare for an Economic Downturn

By Amanda McFarlane | October 21, 2022

Economic downturns can be nerve-wracking and challenging to know how to survive—and the word recession is a big scary word for many, especially those who experienced the recessions in the early 2000s and 2009. In a June 2022 survey conducted by Allianz Life Insurance Company of North America, 66% of…

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Cyclical Stocks: Definition, Advantages & Disadvantages

By Elias Mael | October 14, 2022

Cyclical stocks get their name because they usually follow the cycle of the overall economy—with ups and downs charting economic expansions and peaks, recessions, and recovery periods. They’re good to include in your investment portfolio during periods of economic prosperity but perhaps not during a recession or economic uncertainty. According to Investopedia, “A…

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