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How Do Americans Really Save for Retirement?

Diversifying your retirement portfolio is always good, but do we do it? From August 9-11, 2022, GOBankingRates polled 997 Americans ages 18 and older to determine what they are investing in for retirement. The survey included 16 questions regarding various financial matters, with one, in particular, focusing on the assets in respondents’ retirement accounts. Multiple responses were permitted based on each survey respondent’s portfolio components. The results were filtered using several different criteria, including age …

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Why You Should Buy I Bonds Now

Treasury Series I savings bonds, one of the most exciting current bond offers, are expected to become less appealing in November when a new rate on the popular instrument is determined.

Does your Retirement Portfolio have T-Bills?

If your portfolio contains T-Bills, some good news, it is the first time in 15 years that investors can earn nearly 4% on U.S. Treasury notes, while returns on some money-market funds have reached 2% and are set to rise further. At the beginning of 2022, these yields were almost nonexistent.

Should Your Add Crypto to Your Retirement Portfolio?

Cryptocurrencies based on blockchain are sure to play a significant role in the future of investing, the economy, and digital life in general. According to several experts, millennials are putting too much trust in trendy but risky computer-generated tokens as retirement investments.

I Bonds Can Generate Passive Income

Indeed, I bonds are currently earning higher interest rates than most fixed income investments, and they don’t have the same risk of interest rate fluctuations as other fixed income investments. Your investment will never lose value as long as you keep it invested. I bonds would be an excellent investment as an alternative to some of the bond investments that pre-retirees and retirees currently hold. The I bond could be one of the investment assets you use to generate a regular retirement income.

How To Retire Early Even If You Started Saving Late

Many people share the dream of retiring early. In order to achieve that goal, workers must often begin saving very early. You may wonder if your early retirement plans are doomed if you haven’t saved much money in your career, and it’s good news that they’re not.

Should You Buy That Retirement Home Before You Retire?

Are you buying a retirement home? When should you do it? Despite long-term intentions, purchasing a retirement home too early could be shortsighted. Whether in your 30s or 60s, weighing the pros and cons objectively before buying a retirement home is essential.

Using Your Home Equity in Retirement

For decades, home ownership has been a cornerstone of the American Dream. It’s about more than just owning a home; it’s about building equity. Homeownership creates wealth, as homeowners build equity by paying off their mortgage or most of it.

Bear Market Strategies for Retirees

Those who take regular distributions from their accounts should avoid selling into bear market lows and locking in market losses, resulting in long-term portfolio damage. Baby boomers must protect their portfolios to make it through a bear market with minimal damage to their retirement savings.