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Kiplinger
Jun 18, 2019

How Much Can You Contribute to a Solo 401(k) for 2019?
Some self-employed savers can put away as much as $62,000 for retirement in a solo 401(k) in 2019, depending on age and compensation.

Kiplinger
Jun 18, 2019

How Much Can You Contribute to a SEP IRA for 2019?
The maximum SEP IRA contribution is $1,000 higher than the 2018 limit and is significantly more than can be saved for retirement in a regular IRA.

Kiplinger
Jun 18, 2019

Should You Supplement Your Traditional 529 with a Private 529 College Plan?
There are a few reasons to consider this strategy. One is if you think your child might want to go to a private school one day, and another is if you like a sure thing rather than taking investment risks.

Kiplinger
Jun 18, 2019

How to Know You're in the Retirement 'Red Zone'
You're counting down to retirement and you feel like you've got to be almost there, but unless you've accounted for these factors, you may not be as close as you think.

Kiplinger
Jun 17, 2019

The 19 Best Stocks to Buy for the Rest of 2019
The past year has been exciting, if not a little stomach-churning. A raucous 25% rally to start the year unwound a miserable last few months of 2018, but that big advance has been chopped by one-third just since the beginning of May.

Thus, when picking the best stocks to buy for the rest of 2019, you have to approach your selections with volatility - namely, avoiding it - in mind.

Maybe the year's second act will be a little less exciting and a little more consistent for investors than the first. But with Chinese trade relations in limbo, Brexit still in the air and uncertainty about the Federal Reserve's future plans for interest rates, calm is far from a guarantee.

To that end, here are the best stocks to buy for the rest of 2019. Not only are these stock picks a little less vulnerable to the volatility we've seen of late, but they each have solid backstories and/or fundamentals that should prove attractive if the hazy backdrop remains.

SEE ALSO: The Berkshire Hathaway Portfolio: All 48 Buffett Stocks

Kiplinger
Jun 17, 2019

How Much Can You Contribute to the Thrift Savings Plan for 2019?
Federal workers and military personnel can save up to $19,000 in TSP retirement accounts for 2019. Some savers can make additional catch-up contributions.

Kiplinger
Jun 17, 2019

How Much Can You Contribute to a SIMPLE IRA for 2019?
The maximum amount workers at small businesses can contribute to a SIMPLE IRA for 2019 is $500 higher than it was for 2018.

Kiplinger
Jun 17, 2019

50 Great Places for Early Retirement in the U.S.
Early retirement can be more than just a daydream for those long Tuesday afternoons at work. With some smart planning, you can make leaving the workforce early a reality. You just have to keep in mind the unique challenges facing early retirees.

First of all, entering retirement at a relatively younger age means needing to stretch your nest egg further (hopefully). One way to do that is to find the right retirement destination for you. That's because where you live makes a big impact on your budget, as it helps determine your living costs, tax bills and employment and income opportunities. Yes, you'll be retired, but still being young, you may actually want to keep working a bit, whether to help pad your budget, pursue some passion project or just to stay busy with some kind of structure.

With this in mind, we crunched the numbers in search of 50 great places--one per state--for early retirees to settle in, focusing on areas with lower living costs and favorable tax situations, both specifically for retirees. We also looked for places where the economy, typical household income and physical population are all in relatively good health. And we favored locations with high concentrations of residents ages 45 to 64, so you can enjoy early retirement with your peers. Take a look at the list of early-retirement cities.

See Also: All 50 States Ranked for Retirement

Kiplinger
Jun 17, 2019

Investing with a Conscience: The Rise of ESG and What Really Matters to Investors
Consumers are holding businesses to a higher standard, so how does that play out when it comes to investing?

Kiplinger
Jun 17, 2019

4 Steps to Effectively Transition or Sell Your Business
A succession plan takes commitment, but when done right, it should help you net a much better sales price for your business when the time comes.

Kiplinger
Jun 14, 2019

The Berkshire Hathaway Portfolio: All 48 Buffett Stocks
When folks think of the Berkshire Hathaway (BRK.B) portfolio and its collection of holdings, most of which were selected by Chairman and CEO Warren Buffett, the companies that most readily come to mind are probably American Express (AXP), Coca-Cola (KO) and, more recently, Apple (AAPL).

But a deep dive into Berkshire Hathaway's equity holdings reveals a more complicated picture.

Berkshire Hathaway held positions in 48 separate stocks as of March 31, according to regulatory filings with the Securities and Exchange Commission. But the portfolio of "Buffett stocks" isn't as diversified as the number might suggest. In some cases, BRK.B holds more than one share class in the same company. Some holdings are so small as to be immaterial leftovers from earlier bets the Oracle of Omaha has yet to completely exit.

And perhaps most importantly, Berkshire Hathaway's equity portfolio is actually pretty concentrated. The top six holdings account for almost 70% of the portfolio's total value. The top 10 positions comprise nearly 80%. Banks and airlines, to cite a couple of sectors, carry quite a load in this portfolio. Then there's the fact that several Buffett stocks actually were picked by portfolio managers Todd Combs and Ted Weschler.

Here, we examine each and every holding to give investors a better understanding of the entire Berkshire Hathaway portfolio.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
Jun 14, 2019

10 Financial Commandments for Your 30s
Your finances might have felt like a plague in your 20s, but thou shalt thrive throughout your 30s and beyond.

Our list of Financial Commandments for your 20s helped you find your financial footing and establish a solid foundation. Now that you're older and (hopefully) wiser, this list of goals will help you continue to build your wealth and blaze a path to financial security.

SEE ALSO: Knight Kiplinger's 8 Keys to Financial Security

Kiplinger
Jun 14, 2019

10 Financial Commandments for Your 20s
Thou shalt not be broke forever. It just may feel that way when you're first starting out on the road to financial independence.

Managing your finances for the first time can be overwhelming--what with the daily expenses, big-ticket costs such as housing and health care, heavy debts and long-term goals, including your ridiculously distant retirement. But the sooner you start making a financial plan for yourself, the brighter your future will be. "Building habits, especially in your 20s, is so important for long-term success," says John Deyeso, a financial planner in New York City, who works with a lot of younger people.

Here are the 10 things you should do in your 20s to take control of your finances:

SEE ALSO: Knight Kiplinger's 8 Keys to Financial Security

Kiplinger
Jun 14, 2019

Secure Act Calls for Changes to IRAs, RMDs
Nixing the age cap for contributions and raising the age to start required minimum distributions could affect workers, retirees and heirs.

Kiplinger
Jun 14, 2019

IRS Reform Bill: 12 Ways the IRS Would Be More Taxpayer-Friendly Under the Taxpayer First Act
Let's face it...the IRS isn't the most popular government agency out there. It's not just that they take your money. They also have a (undeserved?) reputation for tough stances on deductions and credits, aggressive tax collectors, poor customer service and generally being difficult if you happen to disagree with them.

Wouldn't it be nice to have a kinder, gentler IRS? You'd still have to pay your taxes, but at least you wouldn't have to deal with some of the IRS's rougher edges anymore. Well, guess what...Congress just passed a bill that would reform the IRS and make it a little more taxpayer-friendly. It's called the Taxpayer First Act, and it's now on President Trump's desk. Here are 12 ways the bill will improve the IRS's bad reputation if the president signs it.

SEE ALSO: All 50 States Ranked for Taxes

Kiplinger
Jun 14, 2019

Don't Be Fooled: 5 Steps to Help Avoid Financial Scams
Some savvy stay-safe tips to help protect yourself and watch out for family members at the same time.

Kiplinger
Jun 13, 2019

How Much Can You Contribute to a 457 Retirement Plan for 2019?
State and local government workers can contribute $19,000 to 457 plans for 2019. Some workers can make additional catch-up contributions.

Kiplinger
Jun 13, 2019

How Much Can You Contribute to a 403(b) for 2019?
Teachers and nonprofit workers can contribute $19,000 to a 403(b) for 2019, but catch-up contributions and employer contributions can further boost retirement savings.

Kiplinger
Jun 13, 2019

5 Safe Ways to Earn 3%
It seems like forever ago, but the average 12-month certificate of deposit (CD) used to yield well more than 5%.

In fact, prior to the tech wreck of 2000 - and the start of two decades of experimental monetary policy by the Federal Reserve - 5% would have been considered low. It wasn't usual to see CD yields over 10% in the 1980s. Those were the days!

It's unlikely that we'll ever see 10% CD rates again in our lifetimes. Even 5% would seem like a stretch in a world in which the average 12-month CD still yields less than 1% after more than three years of Fed rate hikes.

It's important to remember, though, that the high yields of the past came at a time of much higher inflation. At today's lower inflation rates, even a 3% yield allows you to stay well ahead of inflation. You're not getting rich quick at that yield, but it's respectable. And importantly, it can be done safely.

Today, we're going to look at five safe ways to pocket a yield of at least 3%. While you might want to push for a higher return on your long-term investment portfolio, you can consider these as options for your cash savings that you might need in the next one to five years.

SEE ALSO: 33 Ways to Get Higher Yields (Up to 12%!)

Kiplinger
Jun 13, 2019

What's Your Ticker Symbol IQ?


Kiplinger
Jun 13, 2019

Medicare Premiums Snafu Affects 250,000 Social Security Recipients
A software glitch could mean surprise bills for some seniors who owe unpaid Medicare Advantage and Part D plan premiums.

Kiplinger
Jun 13, 2019

Retirees: Go Ahead and Spend More in the Go-Go Years
To have a happy, successful retirement, you need to do more than maximize your return on investment, you need to maximize your return on time.

Kiplinger
Jun 13, 2019

Are You Forcing Unintended Consequences on Your Heirs?
Unless you take your heirs' wishes, taxes and interests into consideration in your plans, you could be committing some serious unforced errors with your estate.

Kiplinger
Jun 13, 2019

Is 4% Withdrawal Rate Still a Good Retirement Rule of Thumb?
We put the popular theory to the test using 30 years of real-world stock market returns. Here's what we found.

Kiplinger
Jun 12, 2019

12 Must-Have Items for Your Home Emergency Kit
The 2019 Atlantic hurricane season officially started on June 1. Forecasters from the National Oceanic and Atmospheric Administration (NOAA) are predicting a repeat of last year's season, with anywhere from nine to 15 named storms and between two and four that will be Category 3 or higher.

Last year, Hurricane Michael alone resulted in 39 deaths, the loss of power for 2.5 million people and $16 billion in damage when it hit Florida and Georgia in October 2018.

So it's time to get serious about being prepared. Could you and your family cope without power for an evening? What about for several days? Here's our list of 12 must-have items to keep in your home, an emergency kit for you and your family should a disaster such as a hurricane strike.

SEE ALSO: 19 Smart Ways to Prepare for a Financial Emergency

Kiplinger
Jun 12, 2019

The Hidden Struggle for Men Who Marry into Money
Being rich solves a lot of problems, but it can also create some. Marriage problems, for instance.

Kiplinger
Jun 11, 2019

13 Blue-Chip Stocks With Risks You Need to Watch
Every company faces headwinds at some point. Even the bluest of blue-chip stocks must tackle a serious threat from time to time.

Dangers can come from anywhere. They can be industrial accidents such as the 2010 Deepwater Horizon oil spill that cost BP plc (BP) nearly $65 billion in legal fees, settlements and cleanup costs as of 2018. There are technological squabbles, such as Apple's (AAPL) 2017 patent infringement lawsuit settlement with Nokia, which forced the iPhone maker to pay $2 billion upfront as well as ongoing royalties from iPhone sales. Pfizer (PFE) was weighed down considerably in 2011 as it was about to lose market exclusivity on its blockbuster cholesterol drug Lipitor - this so-called patent cliff is a frequent headwind for pharma stocks.

Some blue chips, such as Apple and Pfizer, take the hit and keep on chugging. Others, like BP, take much longer to recover - if they ever do.

You can get some insight into potential headwinds by reading the "Risk Factors" section of each company's annual 10-K filing. Companies are required to list, by order of importance, the most significant risks challenging future profits or stock performance. Some risks apply to the entire economy, some to that particular industry and a few are unique to that company.

Here are 13 blue-chip stocks that currently are navigating their way around a landmine or two. This isn't necessarily a list of stocks to sell, however. Great companies can often overcome major setbacks, and many of these companies are working toward that. But retirees need to be especially aware of forces that threaten substantial shorter-term losses. And even the most ardent bull should acknowledge and understand significant risks - even if they merely set a stock up for a dip-buying situation.

SEE ALSO: 20 More Best Stocks to Buy That You Haven't Heard Of

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Roth 401(k) for 2019?
The Roth 401(k) contribution limit increased by $500 to $19,000 for 2019. Workers 50 and older can save an extra $6,000 for retirement.

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Roth IRA for 2019?
The Roth IRA contribution limit is $6,000 for 2019, up from $5,500 in 2018. Retirement savers 50 and older can contribute an extra $1,000. Income limits apply.

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Traditional IRA for 2019?
The IRA contribution limit is $6,000 for 2019. If you are age 50 or over, you can contribute an extra $1,000 as a catch-up contribution.

Kiplinger
Jun 11, 2019

Do You Have a Digital 'Guardian' for Your Estate?
Your estate plan isn't complete without accounting for all your digital assets: from bank accounts and investments to even your Facebook page. Here are five steps to get you started.

Kiplinger
Jun 11, 2019

Trusts 101: Why Have a Trust?
Trusts aren't just for very wealthy or complicated estates. They could be helpful for many "average" folks, too. Here are the basics of trusts: what they do, and how they can be used.

Kiplinger
Jun 10, 2019

6 Apartment REITs to Buy for Steady Yields
In a world of minuscule interest rates, investors are searching far and wide for yield. But many of them don't need to look beyond the front door - if they live in an apartment.

Apartment real estate investment trusts (REITs) are well-poised to deliver reliable and growing dividends for the foreseeable future.

Homeownership rates in the United States have fallen, from 69.2% in the second quarter of 2004, to 64.2% at latest count. The decline is due in part to the higher underwriting standards instituted after 2008, and in part to younger Americans struggling to pay rent, let alone a down payment, mortgage bills and other costs of homeownership. Moreover, along the West Coast and in other cities such as Boston and New York, tough zoning laws and "NIMBY-ism" (Not In My Back Yard) prevent adequate new residential construction - a problem that does not look to be rectified easily, if ever.

The 10-year-long U.S. economic recovery and 4% mortgages have bumped up homeownership rates only marginally in recent seasons. Yet as national employment rolls expand, so is demand for housing - but a "severe shortage of housing" has been "too high of a hurdle for many would-be buyers to clear," Freddie Mac recently said.

The housing shortage is a national concern, but for investors, the tight residential markets signal opportunity. Well-managed apartment REITs, which own and operate apartment communities, are perfectly positioned to take advantage. Here are six apartment REITs to buy for this housing shift ... as well as sustained and growing dividend income.

SEE ALSO: The 13 Best REITs to Buy in 2019

Kiplinger
Jun 10, 2019

The Safest Cars for $30,000 or Less
You want to put yourself (and your loved ones) in the safest vehicle possible, right? Here's the hitch: The absolute safest vehicle is almost always a brand-new model, which may cost more than you can afford.

Each year, new models boast more-effective active safety systems (such as automatic braking) as carmakers look to match the evolving testing standards of the Insurance Institute for Highway Safety (IIHS). Newer models also often have invisible structural improvements that help them perform better in tests meant to more closely simulate real-world collisions (such as hitting a utility pole). Headlight technology is advancing as well. Newer models often have LEDs, which are proving more effective than traditional halogen bulbs, as well as systems that steer the light to match the direction you move the wheel. So newer, and thus more expensive, generally means safer.

But what if you need wheels, you care deeply about safety, but you aren't made of money? We worked with annual rankings from the IIHS and price data from CarGurus.com to identify the safest vehicles you can buy for $20,000 to $30,000. All but one of these vehicles got the IIHS's highest safety ranking available when tested: Top Safety Pick Plus (TSP ). However, our quest was safety first; it was not safety only. So we sought out cars that also enjoy good reputations for reliability and are popular choices in their segments. Take a look.

SEE ALSO: 9 Tricks to Get Your Car to 200,000 Miles or More

Kiplinger
Jun 10, 2019

How Much Should Go into Your Special Needs Trust?
Anyone with a child with special needs understands the need to prepare for the future. A trust is always a good place to start, and figuring out a savings goal for that trust is a key part to your planning.

Kiplinger
Jun 10, 2019

Student Loans: To Solve the Problem, Understand the History
It's no secret that college students today are in a bind. To avoid the pitfalls of crushing student debt, take a look at how we got into this sticky situation, and then make some smart course corrections.

Kiplinger
Jun 07, 2019

Choose from This Slew of Great Side Hustles to Earn Extra Cash
Renting out your house is only one way to make money. This expert recommends some of the top gigs.

Kiplinger
Jun 07, 2019

Remembering One of the Great Debt Fighters
Alice Rivlin was one of the most vocal critics of the government's accumulating red ink.

Kiplinger
Jun 07, 2019

What the Green New Deal Means for Investors
While the GND was killed in Congress, the long-term outlook for the economy and stock market alike is green

Kiplinger
Jun 07, 2019

The Problem With PLUS Loans
New student loan rates are lower, but parent loans are still no bargain.

Kiplinger
Jun 07, 2019

How Dividend-Paying Stocks May Help Boost Retirement Income
While no magic bullet, these types of stocks are worth considering, even after retirement.

Kiplinger
Jun 07, 2019

Don't Let These Revenue Roadblocks Threaten Your Wealth
Safeguard your wealth and your family's legacy by taking these steps to protect your revenue stream before and during retirement.

Kiplinger
Jun 06, 2019

Nina Olson: The Softer Side of the IRS
The national taxpayer advocate, who's retiring soon, gives frustrated taxpayers a voice.

Kiplinger
Jun 06, 2019

7 Double-Threat Dividend Stocks in Tech
Income investors typically seek ample yield in their dividend stocks, but dividend sustainability matters every bit as much.

Just ask GameStop (GME) investors, who saw a 19%-plus dividend yield on May 4 turn into a nonexistent yield after the retailer suspended its payout to save cash in an attempt to salvage its troubled business.

A high yield can be a sign of a troubled distribution, but it doesn't have to be. There are hundreds of stable dividend stocks with above-average yields - including a few in the typically growth-minded technology sector. Better still: These are affordable, sustainable payouts that even have room to grow.

We've leaned on the DIVCON system from exchange-traded fund provider Reality Shares to identify seven tech stocks with market-beating dividends that also have a high chance of growing in the future. DIVCON's methodology evaluates dividend health factors including profits, free cash flow and even bankruptcy risk, then assigns a rating between 1 and 5. Low ratings (1-2) are a sign of unstable dividends; high ratings (4-5) signal healthy dividends that likely will grow in the years ahead.

Here are seven "double threat" dividend stocks in the tech sector. They not only yield well better than the S&P 500's 1.8% average right now, but they also earn high scores from DIVCON for their dividend health.

SEE ALSO: 10 High-Yield Monthly Dividend Payers

Kiplinger
Jun 06, 2019

Find a Laptop That Fits You
If you're upgrading, you won't have to spend a bundle to get what you need.

Kiplinger
Jun 06, 2019

Making It in the Gig Economy
Whether you're earning extra money or working full time, you'll need to adopt new financial strategies.

Kiplinger
Jun 06, 2019

Make Sure Your Spouse Has Your Passwords
It's critical for women to have access to key financial information--and passwords to electronic records and devices.

Kiplinger
Jun 06, 2019

15 Best Tech Gifts for Dads on Father's Day
Are you ready for Father's Day? Sunday, June 16 will come quickly, especially if you haven't found the perfect gift for Dad.

When it comes to picking that perfect gift, many Dads today are more likely to hope for something high-tech than traditional: wireless headphones, say, rather than a tie. That can make tracking down a gift that celebrates everything he does for his family a little challenging.

Not to worry, here's a Father's Day gift guide that contains nothing but the very best. Each recommended product, most of which were featured in published reviews, has been personally evaluated. With a slant toward high-tech, a few nods to traditional choices and prices starting at $15, there's something here for every father this Father's Day.

SEE ALSO: 27 Best Perks of Amazon Prime

Kiplinger
Jun 06, 2019

Your Boss May Help You Save for College
Some employers allow payroll deduction into 529 plans.

Kiplinger
Jun 06, 2019

Next Social Security Raise Likely Meager
But there could be an increase if higher tariffs on Chinese imports or a spike in gas prices drive up inflation in the third quarter.

Kiplinger
Jun 06, 2019

2019 Midyear Investing Outlook: Where to Put Your Money Now
Tariff tantrums and rising labor costs are weighing down this aging bull market.

Kiplinger
Jun 06, 2019

Investment Strategist Says It's Time for a Defensive Approach
Brian Nick of Nuveen sees a range of hazards for a "choppy" and "frustrating" market in 2019.

Kiplinger
Jun 06, 2019

The Right Way to Add Bonds to Your Portfolio
When markets are choppy, bonds add ballast to your portfolio, offering stability no matter what interest rates do.

Kiplinger
Jun 06, 2019

Royce Special Equity Fund Wins by Losing Less
A hefty chunk of cash has helped this small-company fund's performance.

Kiplinger
Jun 06, 2019

With Oakmark International, Patience Pays Off
This Kiplinger 25 member has stumbled recently along with foreign stock markets at large, but the fund's strategy has delivered over the long term.

Kiplinger
Jun 06, 2019

The Outlook for Dividends
A few companies are cutting them, but payouts are healthy overall.

Kiplinger
Jun 06, 2019

5 Stocks to Buy Now for the Rest of 2019
One-third of the way into 2019, the U.S. stock market looked more resilient than ever with the bull snapping back from a devastating correction like a bovine half its age. Stocks hit a new high on April 30, delivering an early 2019 return of 18.3%, including dividends--nearly two years' worth of the long-term average gain for stocks in just four months. Assuaging worries of a looming recession, the economy grew at a robust 3.2% in the first quarter of 2019. Instead of earnings dipping into negative territory, as analysts had expected, corporate America ended the first quarter slightly in the black. And perhaps most important, the Federal Reserve Board pivoted from telegraphing as many as three rate hikes in 2019 to zero rate hikes.

Then President Trump tweeted about trade. Stocks have been volatile since, and the downdraft served as a swift reminder that substantial risks are building in this aged bull market and in an economic expansion that in July becomes the longest one ever.

With the easy gains behind us this year, we think you'll do best by scouting stocks that can eke out reliable earnings growth in a low-growth economy and looking to dividends to bolster returns. We favor large-company stocks over small, and we think investors can find good candidates in a number of market sectors and in overseas markets--but you'll have to be discerning and selective within each category. In the second half of 2019, investors will have to stay defensive, while also taking advantage of tactical opportunities as they arise.

Here are five stocks we believe fit the bill and are worth considering for your portfolio:

SEE ALSO: 2019 Midyear Investing Outlook: Where to Put Your Money Now

Kiplinger
Jun 06, 2019

62 Super Deals and Discounts for 2019
We've found dozens of deals and discounts, plus ways to save (or make) a buck on everything from brokerage accounts and college tuition to tech and summer travel.

Kiplinger
Jun 06, 2019

Better Protections for Prepaid Debit Cards
Register your card to ensure you're covered.

Kiplinger
Jun 06, 2019

Smart Ways to Give (or Lend) Money to Family
Keep good records, and don't hand over money you can't afford to lose.

Kiplinger
Jun 06, 2019

The Talk Before Moving In Together
Merging households and finances is a major step. Be sure to have an open and honest dialogue about each other's income and spending habits beforehand.

Kiplinger
Jun 06, 2019

Building Wealth With a Higher Purpose
This former monk found out the hard way that money is not the root of all evil.

Kiplinger
Jun 06, 2019

Retirement Plans for the Entrepreneur
From Simple IRAs and Solo 401(k)s and SEP IRAs, small businesses have many retirement savings options to choose from. Here are the basics to get started.

Kiplinger
Jun 05, 2019

Opportunity Zone Investing: Is It for You?
A new type of fund that invests in low-income communities gives some investors a tax break, but it's not for everyone.

Kiplinger
Jun 05, 2019

2019 Midyear Outlook for Income Investing
Between now and year-end, you can expect all to be quiet on the income front.

Kiplinger
Jun 05, 2019

New Law Could Change Rules for IRA Withdrawals
Under the proposed legislation, you would have more time to take IRA distributions.

Kiplinger
Jun 05, 2019

Get a Good Last-Minute Travel Deal
You can still save on end-of-summer or fall vacations.

Kiplinger
Jun 05, 2019

Mexico Tariffs Could Rattle These 5 Stocks
As if U.S.-China tensions weren't worrying enough, there is now a new downside risk rattling the markets: Mexico tariffs.

The Trump administration recently threatened across-the-board tariffs on imports from Mexico. That followed a tweet from President Trump on May 30 stating "On June 10th, the United States will impose a 5% Tariff on all goods coming into our Country from Mexico." This figure would steadily increase to 25% by October unless Mexico takes more forceful action to prevent migrants from illegally entering the U.S.

Goldman Sachs says investors should prepare for the worst. "At least the first 5% tariff on imports from Mexico planned for June 10 will be implemented," Ben Snider, an equity strategist at Goldman Sachs, wrote in a recent note. "Escalation of the trade war poses a risk to both corporate profit margins and the health of the US consumer, who will likely absorb the majority of the tariffs via higher prices.".

Deutsche Bank senior economist Matthew Luzzetti wrote in a June 4 report, "If implemented, these tariffs would be highly disruptive to the US economy given the scope ... of the trading relationship between the two economies." He points out that American imports from Mexico were about $350 billion in 2018, or 1.7% of GDP.

Which stocks could suffer most from this new American trade-war front? Here are five stocks that TipRanks data shows are most vulnerable to the proposed Mexico tariffs. Exposure to Mexico isn't necessarily a reason for long-term buy-and-holders to sell. But it's important to know that volatility might be ahead ... and in some cases, investors might even want to consider buying on the dip to benefit from an eventual resolution.

SEE ALSO: 13 Blue-Chip Stocks to Buy on the Next Dip

Kiplinger
Jun 05, 2019

How Much Tax Will James Holzhauer Pay on His 'Jeopardy!' Winnings?
The IRS and California will take about 46% of the game-show star's winnings.

Kiplinger
Jun 05, 2019

9 Podcasts Fit for Retirees
Most are free and cover topics from scams and financial planning to retirement living and Alzheimer's.

Kiplinger
Jun 05, 2019

How to Keep Your Heirs from Blowing Their Inheritance
Spendthrift trusts may sound like you're trying to keep your kids from frittering away your legacy, but they are not just for those with spending problems. They're useful in cases of divorce, substance abuse or where beneficiaries are young or financially inexperienced.

Kiplinger
Jun 04, 2019

6 Ways to Boost Your Credit Score -- Fast
Is your credit score in the doldrums? If you're in the market for a loan, you need your score to rise - fast.

Good news: You may indeed be able to give your score a quick lift, depending on why it's sagging in the first place. A large amount of credit card debt, for example, may be more easily and speedily resolved than an account that's in default.

Here are six ways to elevate your credit score, from those that can produce fast results to ones that require a slow and steady approach. Take a look.

SEE ALSO: The Best Rewards Credit Cards, 2019

Kiplinger
Jun 04, 2019

10 Top-Rated Industrial Stocks to Snap Up Now
If you are looking for compelling investing opportunities, consider an often-overlooked area of the market: industrial stocks.

Industrials frequently have made headlines because its components have been pressured by tariff volleys between the U.S. and China. But despite this, the industrial sector of the Standard & Poor's 500-stock index, at 12.6% returns, is the third-best-performing sector of the market behind technology and real estate. And profit growth could see industrial stocks continue to outperform the broader market.

"We're living in a world where growth is declining," John Davi, chief investment officer at Astoria Portfolio Advisors, told CNBC back in March. "S&P 500 earnings are de-accelerating, so if you can get stocks that have above-average growth to the S&P, then that's really attractive." And while consensus estimates have been scaled back since then, FactSet's Earnings Insight still shows that industrials are expected to grow profits 5.2% this calendar year - better than the 3.2% projected for the S&P 500.

The sector still faces headline risk, so you only want to buy the best of the best. To help with that, we've pinpointed 10 of the Street's best-rated industrials by using TipRanks' Stock Screener to scan only for companies in the industrial sector with a "Strong Buy" analyst consensus. The result: This group of 10 industrial stocks to buy.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
Jun 04, 2019

Retirement Travel: See the World with the Grandkids
Multigenerational trips help create strong family bonds and leave a legacy of special memories.

Kiplinger
Jun 04, 2019

6 Tax Strategies for Retirement
Taxes are one thing retirees tend to have a little control over, as long as they do some serious planning.

Kiplinger
Jun 04, 2019

10 Tips & Tricks to Save on Weddings from a Financial Planner Bride
I got married in July 2015 and, like many brides, I was overwhelmed. Trying to affordably fit the perfect venue, dress, flowers and all the other little details into the vision I had created on my Pinterest "Rustic Wedding" page required skillful planning and negotiations, financial savvy -- and a few compromises. Throughout my time planning my wedding and now helping my clients save for weddings for themselves or their children, I've developed 10 tips and tricks for getting the best bang for your buck.

Before you even begin planning what might be the biggest party of your life, you need to have some serious money conversations with your future spouse and set a budget. In 2018, the average American wedding cost $33,931. While this amount is likely to be even higher if you plan to wed in a bigger city, it can be a helpful starting point. But my most important piece of advice? Your wedding is important, but your future is even more so. Stay mindful and realistic. You don't want to go into debt over a party. There will be future expenses -- houses, college funds, retirement -- so don't blow it all in one place. All in all, your wedding is your day -- but you're in it for the life partner, not the party! Now, here are my top 10 tips: Written by Julia Pham, CFP®, AIF®. Pham, who has worked in financial services since 2007, joined Halbert Hargrove as a Wealth Adviser in 2015. Her role includes encouraging HH clients to explore and fine-tune their aspirations -- and working with them to create a road map to attain the goals that matter to them.



Kiplinger
Jun 03, 2019

Marc Freedman: Building Bridges Across Generations
The CEO of Encore.org explains why it's important to society for older citizens to mix with younger people as the age gap widens.

Kiplinger
Jun 03, 2019

10 Top-Rated Mega-Cap Stocks to Buy Now
When market volatility is high and economic uncertainty is rising, there's comfort to be found in mega-cap stocks. Stocks with market values of at least $50 billion tend to be bigger, more stable holdings. They tend to have stronger balance sheets and often pay dividends.

When it comes to finding such stocks, there's no substitute for roll-up-your-sleeves fundamental analysis. Factors such as revenue growth, earnings estimates, profit margins and debt levels are just some of a long-term investor's most important tools. Traders and tactical investors might also consider technical analysis, which attempts to divine patterns from changes in a stock's price and volume.

Then there's quantitative analysis, which takes a wide swath of fundamental, technical and other data, runs it through a mathematical model and calculates a recommendation. Quantitative analysis usually is the preserve of so-called quant funds, which guard their methods jealously. But thanks to StockReports from Refinitiv, we know what at least one quant model has to say.

StockReports combines a weighted quantitative analysis of six widely used tools: earnings (including estimate surprises and analyst recommendation changes, among other factors; fundamental analysis, which encompasses profitability, debt and dividends, among other considerations; relative valuation, which looks at measures such as price-to-sales and price-to-earnings ratios; risk, which considers magnitude of returns, volatility and other factors; price momentum, which is based on technical performance factors such as seasonality and relative strength; and insider trading, which looks at whether top corporate executives have been net buyers or sellers of their company's stock.

For mega-cap stocks, or stocks with market values of at least $50 billion, StockReports gives greater weight to price momentum and insider trading to calculate an optimized score, since those have proven to be important predicto

Kiplinger
Jun 03, 2019

How Can I Estimate the Income I'll Need in Retirement?
With a little personalization, the income replacement metric can be a useful tool.

Kiplinger
Jun 03, 2019

7 Secrets Financial Advisers Won't Tell You
In many instances, there are some things that your financial adviser may not want you to be aware of, and they can be costly in the long run.

Kiplinger
May 31, 2019

6 Tech Stocks to China-Proof Your Portfolio
The ongoing trade war between the U.S. and China is having an unmistakably negative effect on the technology sector. Numerous tech stocks have heavy Chinese exposure, whether it's via the rare-earth materials they use in their products, manufacturing done in China or just deriving a large percentage of revenues from the country. And their shares have been punished as the rift between the two countries has widened.

As a group, the outlook is worrisome. But a few tech stocks are more shielded than others from Chinese trade issues. Just look to the cloud.

Cloud computing has been a lucrative mega-trend on its own; whole industries have moved into scaled data centers, linked by fiber cable and wireless networks. But it also is shaping up to be something of a safe haven from trade concerns. China may make some of our devices, and their chips may go into our technology infrastructure, but the clouds themselves are ours, and so is the value inside them. Thus, many companies that operate cloud-based services look to be relatively well-insulated against this long-running U.S.-China trade spat.

The following are six tech stocks that can help China-proof your portfolio. Many of these stocks have run hot in 2019, and some of them are expensive as a result. But each is also a strong long-term holding based on the merit of their technological innovations and the lucrative markets they address.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
May 31, 2019

How to Budget
OK, so it isn't the most fun thing to do, but creating a budget is incredibly important. And there are many ways to do it. You just have to experiment until you find the one that's right for you.

Kiplinger
May 31, 2019

11 Worst Wedding Gifts for Newlyweds
When it comes to wedding gifts, it's not just the thought that counts. The money counts, too. The average wedding guest will spend $127 on a gift for a family member, according to an American Express spending survey, and $99 on a gift for a friend. You're wasting your money by giving gifts that brides and grooms don't want and won't use.

The safe course, naturally, is to stick to the couple's gift registry. "The key to giving a good wedding gift is pretty simple: Get the couple what they want and what they have asked for," says Sarah Trotter of Lasting Impressions Weddings of Minnetonka, Minn. Nothing on the registry you like or can afford? Then give cash as a wedding gift, says Trotter.

The 1,803 adults surveyed by American Express concur: 37% prefer gifts from a registry, followed by cash (31%) and gift cards (13%). Just 5% want a gift that's not on the registry. (And if you insist on going off-registry, at least include a gift receipt.) More recently, wedding planning website TheKnot.com advises spending $75 to $100 on gifts for distant relatives and co-workers, $100 to $150 for relatives and friends, and $100 to $200 if the wedding is for a close relative or close friend.

Here's a look at some of the worst wedding gifts to give, based on feedback from wedding experts and wedding participants. Consider yourself warned.

SEE ALSO: 13 Expensive Gifts Worth Every Penny

Kiplinger
May 31, 2019

Choosing Between a Private Foundation vs. Donor-Advised Fund
Whether you want control with a private foundation or confidentiality and fewer restrictions with a donor-advised fund, each of these has its own place.

Kiplinger
May 31, 2019

Plan Your Funeral as a Gift to the Kids
Lifting the burden now will ensure your last wishes are carried out at the right price.

Kiplinger
May 30, 2019

Inherited 401(k)s: 6 Questions Heirs Need to Ask
An inherited 401(k) can be a lasting legacy, but the windfall needs to be handled carefully to maximize the inheritance and minimize taxes. Your relationship to the deceased and the 401(k) plan's own rules affect your options for managing the money. It's critical to understand the rules, because "if you make a mistake, it's hard to reverse," says Rob Williams, vice president of financial planning for the Schwab Center for Financial Research. Step carefully, and you can avoid pitfalls of inheriting a 401(k).

Here are six key questions 401(k) heirs should ask.

See Also: 33 States with No Estate or Inheritance Taxes

Kiplinger
May 30, 2019

How Much Can You Contribute to a 401(k) for 2019?
The 401(k) contribution limit increased by $500 to $19,000 for 2019. Workers 50 and older can save an extra $6,000 for retirement.

Kiplinger
May 30, 2019

Save the Date: 11 Biotech Stocks to Put on Your Radar
This is the time of year when stocks are sleepy at best, and at worst, prone to pullbacks.

That's not necessarily true of all equities, however. Some groups are very active and perform quite well in the summer months. Pharmaceutical stocks - and especially biotech stocks - fare pretty well this time of year.

Part of that cyclical strength stems from how the Food and Drug Administration schedules key decision-making dates for new drugs. Another part of it may be the result of recurring industry conferences, where many drug-development updates are unveiled.

Here are 11 biotech stocks and pharmaceutical companies to watch over the next few months. Because biotechnology companies' shares tend to hinge heavily on product updates, this seasonal tide of news could move their respective stocks well before (and even long after) the day the news is posted. Just be cautious; smaller biotechnology stocks with one or just a couple of trial products can move drastically on new data - for better or for worse.

SEE ALSO: 20 Great Stocks That You Haven't Heard Of

Kiplinger
May 29, 2019

5 Best American Funds for Retirees
Until a few years ago, the American Funds family of mutual funds was available to individual investors only through intermediaries such as brokers and advisors. But now they're available to anyone through online brokers, such as Fidelity and Schwab.

That's a huge deal because, in my view, the best American Funds are among the top actively managed, large-company funds you can find anywhere. The funds haven't attracted much attention from individual investors because they had been marketed solely through intermediaries and because the "American" name is shared by at least two other fund firms.

But these mutual funds demand your attention. American Funds' products aren't flashy, but they have provided long-term, index-beating results. What's more, the funds have held up especially well during bear markets, which is critical to retirement investors. All of American Funds' U.S. stock mutual funds lost substantially less than the Standard & Poor's 500-stock index in the 2007-09 meltdown. "All 11 funds with at least a 20-year track record are ahead of their most relevant benchmark over that time period, which included two severe bear markets," says Alec Lucas, a senior analyst at Morningstar who covers a dozen American Funds products.

American Funds aren't perfect. The company's mutual funds are too big to invest meaningfully in stocks of small companies. Returns on the firm's bond funds have been uninspiring, although the firm has made several new hires designed to remedy that problem. But for large-cap stocks, both here and abroad, they're hard to beat.

Today, we'll look at five of the best American Funds for retirees - and teach you more about what the fund provider does best.

SEE ALSO: The 25 Best Low-Fee Mutual Funds to Buy Now

Kiplinger
May 29, 2019

Retirees, Ladder Annuities to Hedge Your Bets
Staggering annuity purchases over time can boost your guaranteed retirement income and lower risks.

Kiplinger
May 29, 2019

Health Savings Account Limits for 2020
Annually adjusted contribution limits and other requirements must be met if you're covering health care costs with an HSA in 2020.

Kiplinger
May 29, 2019

High-Earning Millennials Have a Surprising Student Debt Problem
You might think that HENRYs (High Earners, Not Rich Yet) would be doing just fine after college, but they're in serious debt just like most other new grads. In fact, in some ways, they face a few added challenges.

Kiplinger
May 29, 2019

Buying Your First Car - Tips for Young Shoppers
A car is a big purchase, and it's an emotional one, too. That can be a bad combination. Buyers should keep these tips in mind to make smart decisions.

Kiplinger
May 28, 2019

13 Blue-Chip Stocks to Buy on the Next Dip
There's an old Wall Street saying that goes, "Bulls make money, bears make money, pigs get slaughtered." No one really knows who originally said it, but its meaning is clear. You can make money in a rising market or a falling market if you're disciplined. But if you hunt for stocks to buy while being greedy, sloppy and impatient, things might not work out as you hope.

This is a time to be patient. We're more than a decade into a truly epic bull market that has seen the Standard & Poor's 500-stock index appreciate by well over 300%. While value investors might still find a few bargains out there, the market is by most reasonable metrics richly valued.

The S&P 500's trailing price-to-earnings ratio sits at a lofty 21. The long-term historical average is around 16, and there have only been a handful of instances in history in which the collection of blue-chip stocks has breached 20. It's expensive from a revenue standpoint, too -- the index trades at a price-to-sales ratio of 2.1, meaning today's market is priced at 1990s internet mania levels.

The beauty of being an individual investor is that you reserve the right to sit on your hands. Unlike professional money managers, you have no mandate to be 100% invested at all times. You can be patient and wait for your moment.

Here are 13 solid blue-chip stocks to buy that look interesting now, but will be downright attractive on a dip. Any of these would make a fine addition to a portfolio at the right price. And should this little bout of volatility in May snowball into a correction or proper bear market, that day might come sooner than you think.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
May 28, 2019

6 Steps to Snare Higher Yields in Retirement
Income investing is supposed to be like watching a predictable movie that you've seen a dozen times before. But lately, it has been full of plot twists. Over the past few years, most income investors settled back with their popcorn for a long period of rising interest rates, believing the Federal Reserve would slowly but surely hike rates back to more normal levels. For bond investors, that would mean some temporary pain--when rates rise, bond prices fall--but it would also bring the welcome relief of higher yields.

Then the Fed ripped up the script. After three years of fairly steady rate increases, the Fed left rates unchanged early this year and signaled that it's unlikely to raise rates at all in 2019. Instead of bracing for further rate increases, many bond traders started betting that the Fed would even cut rates this year. (Kiplinger expects the Fed to stand pat.) The shifting expectations drove new money into bonds of all stripes. The Bloomberg Barclays U.S. Aggregate Bond Index gained nearly 3% in the first quarter, while junk bonds rallied more than 7%.

"The theme was, 'Look out, rates are rising. You'll get killed in bond funds,' " says Warren Pierson, senior portfolio manager at Baird Advisors. "That hasn't happened at all."

Retirees who depend on high-quality bonds for income may be heaving a sigh of relief, but this movie isn't over yet. The bond rally at the start of the year left few fixed-income bargains, and the Fed's interest-rate pause means that rates on cash and near-cash holdings will remain stuck at relatively low levels. The shift in Fed policy should also prompt investors to reevaluate holdings, such as floating-rate funds, that they may have scooped up for protection against rising rates. Income investors turning to dividend-paying stocks, meanwhile, may find that good values are scarce in a market that has recently touched record highs.

So where should retirees turn for investment income? Terri Spath,

Kiplinger
May 28, 2019

What You Don't Know Can Hurt Your Retirement
Misunderstanding the "separation of service" rule cost a first responder I know $1,500. His story shows how asking questions is key to finding the right financial adviser and avoiding heartache down the road.

Kiplinger
May 28, 2019

Saving for College: Are 529 Plans Worth It?
That's just one question to ask. But there are some other, more pressing, questions to ask first, including am I making a huge retirement mistake by helping my kid out more than I can afford?

Kiplinger
May 27, 2019

What Matters Most to Children of Wealth
You might be surprised. Living it up isn't high on their list. Instead, most seem to be just as vested in protecting their family's legacy as their parents are. Here's how to help them do just that.

Kiplinger
May 24, 2019

Want a Bigger Tax Refund Next Year? Check Your Withholding!
The number of withholding allowances you claim on your W-4 form can affect the size of your next tax refund. Start with our new withholding calculator.

Kiplinger
May 24, 2019

Don't Let Tax Concerns Keep You From Taking Care of Loved Ones
Traditional IRAs can be a tax bomb for your beneficiaries, but there are some creative ways to unwind this potential problem.

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