Your 30s are a critical time to shape your financial future. From building an emergency fund to maximizing retirement contributions, tackling high-interest debt, investing in your growth, and protecting your assets, these essential moves set the stage for lasting financial success.
The 4% Rule, Rethinking Retirement Withdrawals
When it comes to planning for retirement, the 4% rule has long been the go-to guideline for many. Introduced as a way to help retirees determine how much they can safely withdraw from their savings each year, it promises a simple, straightforward approach: withdraw 4% of your initial retirement portfolio each year, adjusted for inflation, and you should be able to fund a 30-year retirement without running out of money. However, as with any rule of thumb, the 4% rule has its limitations. It was based on historical market data and assumes a steady portfolio allocation and consistent returns, but life, markets, and retirement are far more unpredictable than that. Many retirees now find that this rigid rule doesn’t fully…
The 4% Rule, Rethinking Retirement Withdrawals
When it comes to planning for retirement, the 4% rule…
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Daily Market Snapshot: October 16, 2024
Overview On Wednesday, U.S. stock markets continued their upward momentum,…
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Daily Market Snapshot: November 21, 2024
On November 21, 2024, U.S. stocks posted mixed results as Nvidia hit a record high before retreating, while Bitcoin surged to $98,005. The Dow gained over 1% on defensive sector strength, while Alphabet’s antitrust woes weighed on communication services.
Daily Market Snapshot: November 20, 2024
On November 20, 2024, U.S. stocks ended mixed as geopolitical tensions and Target’s weak holiday sales forecast weighed on sentiment. While the Dow rose on defensive gains, the Nasdaq slipped as Nvidia and tech stocks declined ahead of earnings.
Daily Market Snapshot: November 19, 2024
On November 19, 2024, U.S. stocks were mixed as Nvidia and Walmart optimism lifted the Nasdaq and S&P 500, while the Dow slipped on industrial sector weakness. Geopolitical tensions weighed early, but tech and retail strength buoyed investor sentiment.
Daily Market Snapshot: November 18, 2024
On November 18, 2024, U.S. stocks delivered mixed results as the Dow dipped while the S&P 500 and Nasdaq rose, led by Tesla’s surge and energy sector gains. Nvidia’s upcoming earnings and retail outlook kept investors cautious amid broader policy uncertainties.
Daily Market Snapshot: November 15, 2024
On November 15, 2024, U.S. stocks fell as Powell’s cautious stance on rate cuts and Trump’s cabinet appointments rattled markets. The Dow, S&P 500, and Nasdaq declined, with healthcare and tech stocks leading losses, while retail sales beat expectations.
Daily Market Snapshot: November 14, 2024
On November 14, 2024, U.S. stocks dipped as Federal Reserve Chair Jerome Powell cooled hopes for a December rate cut. The Dow, S&P 500, and Nasdaq declined, with defense stocks weighing on industrials while Disney’s earnings bolstered communication services.
Daily Market Snapshot: November 13, 2024
On November 13, 2024, U.S. stocks saw mixed results as inflation data aligned with expectations. The Dow and S&P 500 rose slightly, while the Nasdaq slipped amid tech sector pressure. Consumer discretionary stocks gained, while Spirit Airlines plummeted on bankruptcy news.
Daily Market Snapshot: November 12, 2024
On November 12, 2024, U.S. stocks pulled back as investors locked in profits and awaited inflation data. The Dow, S&P 500, and Nasdaq saw declines, with communication services showing resilience amid broader market caution. Treasury yields rose, adding to inflationary concerns.
Daily Market Snapshot: November 07, 2024
On November 7, 2024, U.S. stocks rose as the Fed’s anticipated rate cut boosted growth stocks. The Dow was flat, while the S&P 500 and Nasdaq gained, led by Warner Bros Discovery in the communication sector. Investors focus on economic data as growth potential builds under Trump’s administration.