If you’re confused by your 401(k) plan, you aren’t alone. According to a J.P. Morgan 2021 Defined Contribution Plan Participant Survey, 401(k) investors are “overwhelmed and unsure about the various aspects of retirement planning.”¹ In fact, 52% feel they are presented with more plan information than they...
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It’s the start of Q4, and many investors may be concerned about the market volatility and other factors driving the news cycle. Things might feel a bit shaky right now. But when you zoom out and look at the charts and take into account the strong...
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Parents should be intentional about teaching their kids good financial habits because, if they don’t, no one else will. According to Next Gen Personal Finance, a high school personal finance curriculum company, only 16.4% of U.S. high school students are required to take a personal finance...
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And just like that, we’ve reached the 4th quarter, which means it is time to review where you stand financially. The good news is, there is still time to get your financial ducks in a row before the end of the year with a personal finance...
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“Should I borrow from my 401(k) to get a house?” is a question that comes up quite a bit, especially with first-time homebuyers. It’s understandable because it can be difficult for many first-time homebuyers to accumulate enough savings to make a down payment. It’s standard for banks...
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When it comes to retirement planning, there is often a big discrepancy between how much money people think they need and how much they actually need. And so, year after year, investors fund their retirement accounts based on how much they can afford to save now,...
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Planning for retirement may include choosing between traditional and Roth 401(k) plans. Unless you are a financial advisor or have spent a significant amount of time reading up on both, it may be difficult to understand the difference between a traditional 401(k) and a Roth 401(k). Not...
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School is starting around the country, which means millions of young adults will be paying for college. And college isn’t cheap. According to Fidelity Investment's 2021 College Savings and Student Debt Study: For the 2020-2021 academic year, the average cost at a private, nonprofit 4-year college was...
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Not taking full advantage of your 401(k) – whether it’s because you don’t understand it or you’re taking a set-it-and-forget-it approach – may have serious consequences at retirement. If you’re concerned your 401(k) is not going in the direction you’d like or you want the potential...
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As parents, we make it our goal to take care of our children, protect them from harm, and help them succeed. So, it is no surprise many parents are unsure if they should put their retirement savings over kids’ college tuition or vice versa. Especially when you...
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