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Illustration by Abbey Lossing for The New York Times

Mutual Funds That Consistently Beat the Market? Not One of 2,132.

Jeff Sommer, the New York Times personal finance columnist, just wrote a fascinating article on comparing actively managed mutual funds vs indexing. Guess what? Not even one actively managed fund outperformed the stock market over the past five years… not… Continue reading

 

Forget Stock Predictions for Next Year

Jeff Sommer, the New York Times personal finance columnist, echoed Rebalance’s investing philosophy to a tee with his 12/16/22 column: when it comes to investing for retirement, forget about the short-term, rather, think as a long-term investor. Forecasting the near… Continue reading

 

Hardship 401(k) Withdrawals, Explained

The current global economic situation is very demanding. A surge in inflation has stressed many family budgets. As a result, more people now rely on loans from their 401(k)s to bridge the gap in their expenses, according to data. The… Continue reading

 

The Rich Get College Subsidies While the Student Debt Debate Goes On

While we agree with the majority of this New York Times article, the challenge here is that it is critical and judgmental about an investment practice that has long been recognized as ‘best practice.’ Using 529 savings plans to save… Continue reading

 
With tax-loss harvesting, investors can use stock losses they incurred this year to offset realized capital gains. ILLUSTRATION: MIKEL JASO

Year-End Tax Moves That Investors Should Consider

Smart financial investors don’t just think about stock market gains and losses. They also look for ways to balance their investment accounts in order to minimize the taxes they must pay. After all, more money in your account is more… Continue reading

 
Illustration by The New York Times; images by Frank Ramspott and Kavalenkava Volha, via Getty Images

The Best 50-Year-Old Investing Advice Money Can Buy

The word “visionary” is most probably overused. But what else do you call someone like Burt Malkiel, who had the temerity in 1973, five decades ago, to predict that someday most of us would invest through low-cost stock market index… Continue reading

 
Illustration showing Inflation causing grocery price rising up

Your Paycheck Next Year Will Be Affected by Inflation. Here’s How.

There is more to inflation than just rising prices. It is important to fully understand the consequences that persistent, high inflation can have on your paycheck, retirement plan, and income taxes. This New York Times article below does an excellent… Continue reading

 

Expecting a Downturn? Plan for the Long-Term

Are we headed into a recession? Has one already begun? While economists and academics debate (and debate) the question, investors are left to wonder what, if anything, they should do about it. Jeff Sommer at The New York Times puts… Continue reading

 
puzzle of social security cards

Working While Getting Social Security: What to Know

  If you are working an extra few years after you have already retired, there are important implications on how to effectively access your Social Security. This can be a complicated planning challenge. Giving this level of complexity, you might… Continue reading