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Social Security Myth #1 — Age Doesn’t Matter

  • April 23, 2014/
  • Posted By : admin/
  • 0 comments /
  • Under : Retirement

social_security_cardMyth:
You’ll receive the same monthly Social Security benefit no matter how old you are when you start collecting.

Answer:
False. You can start your earned benefits as early as age 62 or as late as age 70. For every year you wait, your payments increase by 6-8%.

 


Where Your 2013 Tax Dollar Went

  • April 17, 2014/
  • Posted By : admin/
  • 0 comments /
  • Under : Economy, Fees

taxes-deskOn April 15, 2014, millions of Americans filed their income taxes for 2013. This chart shows how each one of your income tax dollars was spent by the federal government in fiscal year 2013.


Accidental Success of the 401(k) Plan

  • April 10, 2014/
  • Posted By : admin/
  • 0 comments /
  • Under : 401(k)

Click for full view401kHistory


Rebalancing is Important

  • April 3, 2014/
  • Posted By : admin/
  • 0 comments /
  • Under : Best Practices

balanceAn investment portfolio must be periodically rebalanced back to its original targets to maintain the intended risk level and asset allocations (i.e., mix of stocks and bonds).

Drifting Through Time
Say you started out with a portfolio of 50% stocks and 50% bonds at age 21. Stocks go up 2 out of 3 years on average. By the time you’re 50 your portfolio mix could drift to 90% stocks and 10% bonds. That’s quite out of balance!

In rebalancing, we would sell the “excess” of stocks and use the proceeds to purchase bonds. In doing so, we ensure that we sell investments at a relatively high prices and buy investments at a low price.

Effects of Rebalancing
In a balanced portfolio of stocks and bonds, you will typically be selling stocks and buying bonds when you rebalance. You will be removing excess volatility from the outsized stock allocation and going back to your initial combination of stocks and bonds.

Quarterly or Annually — Which is better?
In a taxable account, there is a tax benefit for waiting more than a year to rebalance. In a non-taxable account, quarterly rebalancing can have some advantages. You probably don’t want to rebalance on shorter time periods because you need to give your strong-performing investments time to run and avoid the potential costs of excess transactions.

Easy Rebalancing
Is it possible to set up automatic rebalancing? One way is to work with a professional money manager like NorthStar. We do this for our clients. Big firms like Vanguard usually don’t have an automatic option, but they say they will spend 15 to 30 minutes on the phone with customers to help walk through the process and get rebalanced.


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FROM OUR BLOG
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  • SECURE Act 2.0 (2023 changes inside) January 5,2023
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