Financial markets anticipate some inflation and factor it into the prices of the assets they set, a theoretically neutral situation for investment portfolios. On the other hand, unexpected inflation can erode a portfolio's purchasing power, which is particularly difficult for investors with shorter investment horizons, such as retirees. As we have seen recently, are [...]
Recently, many of my clients have come to me with questions about converting to a Roth IRA. Moving money from a traditional IRA to a Roth IRA (often referred to as the “pay taxes now or later” debate) presents some complications. It's also irreversible, so it's understandable that many investors struggle to make the [...]
• September 10, 2021 Investing in life events family and relationships health care individual high net worth According to Vanguard's recently published research article The Risks of Cognitive Recession, deciding when to relinquish financial control is critical to planning for a cognitive recession and can have significant implications for investors: Investor awareness and preparation. [...]
Inflation is rising in many parts of the world, which means interest rates are also expected to rise. Financial asset pricing models suggest that inflation can have similar effects on stocks and bonds due to a common relationship with short-term interest rates. Here's why some investors are starting to wonder: Will stock and bond [...]
Everyone wants to pay less tax, right? We all invest to achieve a specific goal. What we want to achieve varies from investor to investor, but we can probably all agree that we want more of our returns to go towards our goals – not the IRS. You do not know where to start [...]
Before you retire, consider the risks you may face and how you can prepare for them. After decades of carefully balancing family, work, and physical and mental health, retirement should be a relaxing and well-deserved reward for a lifetime of hard work doing all the fun things you imagined. Here's how a Vanguard personal [...]
I love my work. I love the team members I work with at the Vanguard Arizona campus and enjoy developing personal relationships with customers. But the best part of me as a financial advisor is telling clients they can retire earlier. In the United States, the average retirement age is 63 for women and [...]
Knowing what not to do during a market downturn is only half the battle. What should investors do? Our recommendation has not changed - and it will not change, regardless of market behavior. be ready First, each investor must: formulate or review investment objectives to ensure they are appropriate; develop a suitable asset allocation [...]
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