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What Is a Defensive Investment Strategy?

A defensive investment strategy focuses on minimizing risk and protecting capital, especially in uncertain market...

$400k Now or $2,000 a Month? Here’s What to Consider

Deciding whether to take a $400,000 lump sum or monthly pension benefit of $2,000 requires...

If I Claim $3,000 in Social Security, Does My Wife Have to Separately File for Her Spousal Benefit?

To understand how this works, let’s look at our hypothetical situation from above. Imagine that...

I’m 65. What’s My Retirement Budget With $1.2M Saved and $2,900 a Month in Social Security?

As you approach retirement, your financial focus shifts. During your working life, retirement is about...

Why Overcapitalization Is Important for Investors

Overcapitalization happens when a company raises more capital than it can use effectively, causing inefficiencies...

Longevity Upends Traditional Financial Planning: MIT AgeLab Study

Retirement isn’t just about money. Longer lifespans mean that retirement will be far more dynamic...

How Do I Handle RMDs When My Stocks Are in the Red?

If locking in your investment losses is a primary consideration for you, and you don’t...

I Have $1.6 Million. Does It Make Sense to Convert $160k Per Year to a Roth IRA at Age 62 to Avoid RMDs in...

Converting your 401(k) to a Roth portfolio will allow you to entirely avoid RMDs. This...

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