Since 2020 members of the Ruedi Wealth team have been writing weekly investing and retirement planning columns for our local newspaper, The News-Gazette.
The 10-year Treasury plays a unique role in the modern global financial system. As it is often considered the “risk free rate” – a return an investor can receive with practically no risk, it serves as a hurdle rate or benchmark of the cost of borrowing in general.
Series I Savings Bonds or “I-Bonds” for short, are designed to offer inflation protection to investors by providing a return that is made up of a fixed base rate, plus adjustments for inflation.
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…