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The IRS “catch-up” provision: An essential tool for late starters and savvy savers
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Most people understand the value of life insurance—you pay for it while you’re alive to protect your loved ones after you’re gone. But many people don’t understand how their health and lifestyle choices may affect their life insurance costs.
Conservative strategies often rely on “fixed income” investments such as bonds or bond funds to provide stability in a retirement portfolio. But they are not without risk, and a key risk to be aware of is rising interest rates. Here’s why.
Our life expectancies are increasing, which means you could spend up to 30 years or more in retirement. If your retirement money can’t keep up with inflation throughout that time, it will lose its buying power. That’s one reason you may want to consider a fixed indexed annuity (FIA).