Retirement Watch editor Bob Carlson discusses the importance of managing your cash well
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In recent months, my email inbox received an increasing number of questions about the ability of banks or the government to seize bank accounts. The concerns were raised, of course, by articles and videos on the internet, and the creators are selling various products and services. Most of the presentations say accounts over $5,000 can […]
Your children and grandchildren probably won’t take much financial advice from you. But a college football star might persuade them to save and invest. Christian Wilkins was a defensive lineman on Clemson’s national championship team and was the 13th pick in the first round of the 2019 NFL draft by the Miami Dolphins. Wilkins also […]
For the first time in years, investors have some reasonable choices for investing their cash. The Federal Reserve’s aggressive monetary policies following the financial crisis kept interest rates on traditional cash investments near zero. Investors either had to accept these low rates or take more risk to earn higher yields on their cash. The situation […]
One key to a successful retirement is being able to handle the surprises. You don’t know when the surprises will come or what they will be, but you can bet retirement will have surprises. A sharp market downturn is one possible surprise. A wide range of large, unplanned expenses also is possible: home repairs, auto […]
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Retirees depend on their nest eggs for much of their cash. When money is needed, they plan to raise it from either income generated by the nest egg or sales of assets, such as mutual funds or stocks. Most people enter retirement with no other ways of raising cash. Selling more assets to raise cash incurs […]
Most analysts focus on which actions central banks will take next. Will they change interest rates or stand pat? It is an interesting question, but there’s a more important long-term question. Investors should be asking if central bankers are losing their omnipotence. Are the central banks, as the saying goes, “pushing on a string?” Until […]
Interest rates are going to remain low for a while yet. The Federal Reserve recently made that clear. You’ll continue to earn historically low yields from traditional safe cash investments such as money market funds, treasury bills and the like. While cash can be a good place to protect money during a crisis, many people […]
It isn’t too early to decide how to adjust to the new money market rules that take effect October 16. Recall that in the wake of the financial crisis, after some funds “broke the buck,” the Securities & Exchange Commission issued revised rules in 2014. The new rules divide money funds into six categories. See […]