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Stagflation: Causes, Effects, and How to Combat It
What Is Stagflation? Stagflation may sound like a buzzword, but it is a very real cycle characterized by slow or stagnant economic growth combined with high inflation and a sharp rise in unemployment. This combination of factors can lead to a decrease in living standards and confidence in the economy.…
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Key Financial Dates to Note in 2023 for Retirees
As we look ahead to 2023, it is essential to mark your calendar with key dates that will affect your retirement planning. Here are some important dates to remember throughout the year: February 15* For those 59½ or older and still working, February 15th is an important date, as this…
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Expense Ratios: What You Need to Know
Mutual funds and exchange-traded funds (ETFs) are popular ways to invest money and potentially build wealth, but it’s important to know how they work and the related expenses to invest in them. One key factor to consider is the expense ratio, which is an important metric that reveals how much…
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What Is 401(k) Vesting?
Employer matching of 401(k) contributions is a common employee benefit. If you work for an employer that matches 401(k) contributions, your retirement account can grow faster. For example, let’s say that your employer matches up to 5% of your 401(k) contributions one for one. If your monthly salary before taxes…
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Six Thrift Savings Plan Mistakes to Avoid
If you work for the federal government or serve in the armed forces, you have access to a retirement and savings plan called a Thrift Savings Plan (TSP). According to TSP.gov, “Established by Congress in the Federal Employees’ Retirement System Act of 1986, the TSP offers the same types of savings…
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What Is the Thrift Savings Plan?
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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Five Tax-Advantaged Investments to Consider for Your Portfolio
Benjamin Franklin, one of the founding fathers, once famously said: “… in this world, nothing is certain except death and taxes.” While these words hold some weight, they’re not entirely true, at least where taxes are considered. Contrary to popular belief, there are investments that may offer tax savings and…
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Index Fund vs. Mutual Fund: What’s the Difference?
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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