Retirement planning
Long-term care costs can be a ‘huge problem,’ experts say. Here’s why
Kate_sept2004 | E+ | Getty Images Long-term care can be costly, extending well beyond $100,000. Yet, financial advisors say many households aren’t prepared to manage the expense. “People don’t plan for it in advance,” said Carolyn McClanahan, a physician and certified financial planner based in Jacksonville, Florida. “It’s a huge problem.” Over half, 57%, of […]
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Should investors dump U.S. stocks for international equities? Here’s what experts are saying
Key Points U.S. stocks had been outperforming the world for years heading into 2025. Now, some investors are changing their investment strategy to boost their international exposure. Although global diversification may be a good move as U.S. markets come under pressure, CNBC Financial Advisor Council members caution against chasing returns. Source
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Here’s why retirees shouldn’t fully ditch stocks
Key Points Retirees may feel they’re protecting their nest eggs by getting out of stocks entirely. However, by doing so they’d increase their risk of outliving their savings during retirement, which may last decades, experts said. Source
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Here’s why ‘dead’ investors outperform the living
Key Points The average investor would have better investment results by doing nothing. Investors often have bad habits that cause them to buy high and sell low. Buying and holding investments like all-in-one funds that automate tasks like rebalancing is a good bet for investors, experts said. Source
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Retirement investors are thinking about Social Security in the wrong way, says index fund legend
ETF Edge Retirement investors are thinking about Social Security in the wrong way, says index fund legend Published Sat, Feb 15 20258:24 AM EST Krysta Escobar WATCH LIVE Source
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33-year-old American living in Germany: ‘I don’t worry about not being able to pay my bills here’
At the age of 33, I sometimes feel like I’ve already lived a thousand lives. I’m originally from Los Angeles, and over the last decade, I’ve done everything from teaching English in China to serving as an emergency aid worker in Turkey during the war in Syria. After I completed my master’s degree in London, […]
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Target-date funds — the most popular 401(k) plan investment — don’t work for everyone
Key Points Target-date funds, known as TDFs, are a one-stop shop for retirement savers. They are poised to capture about two-thirds of all 401(k) plan contributions by 2027, per one estimate. They are well-suited for hands-off investors who crave simplicity, but there may be drawbacks for others with more complex finances, advisors said. Source
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5 advisors offer important tips for managing your money in 2025
Key Points Financial stability is top of mind for many Americans heading into 2025. Five financial planners on CNBC’s Advisor Council discuss the financial resolutions households should target next year. Source
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More than 90% of 401(k) plans now offer Roth contributions – but only 21% of workers take advantage
Key Points About 93% of 401(k) plans offer a Roth savings option to workers, up from 62% a decade ago, according to the Plan Sponsor Council of America. A law known as Secure 2.0 is expected to make Roth 401(k) accounts more prevalent. Choosing between Roth and pretax savings is essentially a tax bet. Source
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Why new retirees may need to rethink the 4% rule
Key Points The 4% withdrawal rule is a popular retirement strategy that helps investors withdraw money safely from their accounts, with low odds of running out of money later. Lower expectations for long-term stock, bond and cash returns means new retirees may need to proceed a bit more cautiously, according to Morningstar. There are ways […]
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