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Archive for February 2018

Debunking Market Myths

The world keeps changing: politics and social movements emerge, the stock markets fluctuate and a lot of our preconceived notions continue to be challenged. However, some things don’t seem to change, including myths about the markets and investing. Let’s take a look at some of the ones that still exist.   It’s true that it’s…

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Evolution of the 401(k)

When employer-sponsored 401(k) plans were introduced in the 1980s, an unexpected consequence occurred: Pensions stopped being the norm. One reason is that companies found 401(k) plans less expensive than traditional defined benefit plans.1   At the time, 401(k) plans were touted as an opportunity for greater earnings and a richer retirement lifestyle. While it’s true…

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The Federal Reserve’s Role in the Economy  

  The U.S. government’s system of checks and balances applies not only to its distribution of power but also to its economic viability. The Securities and Exchange Commission regulates the investment industry, the Consumer Financial Protection Bureau safeguards the interests of consumers and a banking supervisory system regulates U.S. monetary policy. That’s where the Federal…

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The Retiring on Less than Expected Issue

  Saving Money in Retirement   Today, nearly half of U.S. households report having zero retirement savings, according to the Economic Policy Institute.1 This means that without significant changes in wages, expenses and saving habits, millions of Americans likely will be living solely on Social Security benefits in retirement. Even if you expect to have…

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