What happens when your portfolio returns 2 percent a year instead of 8 percent? Such a dramatic difference in return assumptions can leave you with a shortfall right at a time when you may need the resources most, such as retirement. How should you invest in a low-return environment? What changes you should make in your investment portfolio or financial plan?
The reasons donors give to charities are as diverse as the donors themselves. In a study by the National Philanthropic Trust, it was found that 62% of high net worth donors cite “giving back to the community” as their chief motivation for giving. There are also many tax based reasons for charitable giving. In order to claim a deduction...
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Even as the equity market approaches new highs, retirement savers, still shell-shocked from the extreme volatility of recent years, are slow to wade back into equities. Smaller investors tend to ignore the history that shows that the market eventually rewards those who can withstand the fluctuations and stay the course through the various market cycles.