Since 2020 members of the Ruedi Wealth team have been writing weekly investing and retirement planning columns for our local newspaper, The News-Gazette.
A 529 College Savings Plan is a special type of savings account that allows investments to grow tax-free and withdrawals to be made tax-free for qualified college or trade school expenses.
Though they have been around for over 20 years, equal weight index funds have gained extra attention this year. That is likely because S&P 500 equal-weight index funds have outperformed the standard S&P 500 index.
With a traditional 401(k) you lower your taxable income and save on taxes now; with a Roth 401(k) you pay taxes now and withdraw tax-free in the future. So naturally, the option that will provide you the most benefit depends on whether your tax rate is higher now, or in the future.
You’re retired. Your checking account is getting low and you need to refill it by withdrawing from your investment portfolio. You must ask yourself…
What separates sensible investing from reckless speculating?
If a genius like Sir Isaac Newton can get swept up in an investor mania and fall victim to his own emotions, then clearly no amount of intelligence can guarantee against investing mistakes.