Retirement planning doesn't have to be overly complicated. Pension plans, such as a multi-employer pension plan, are available and accessible tools. If utilized efficiently, pension plans can be a very effective retirement tool...
Over the forthcoming years, target date funds (used as a passive investment strategy) will force investors to sell their stocks to purchase bonds with near all-time low interest rates, drastically hampering the portfolio's future performance. As interest rates fell, bond prices have increased, meaning investors will be paying a premium price for bonds purchased while the interest rates designed to fund a retirement income stream will not deliver the same type of income they once did...
The differences between these two investment vehicles are often overestimated. Ultimately, they are vehicles through which financial companies can deliver portfolios to interested investors...
Home-bias investing is the practice of investing a disproportionate amount of your portfolio in domestic companies, often at the expense of diversification, and capital efficiency...
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