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Inflation & the Real Rate of Return

June 26, 2021 By Retegy

Is your money gaining or losing purchasing power? The real rate of return is an important personal finance concept to understand. It’s the rate of return on your investments after inflation. The real rate of return indicates whether you are gaining or losing purchasing power with your money. So with inflation checking in at a 5% annual rate, does that mean any i … [Read more...] about Inflation & the Real Rate of Return

End-of-the-Year Money Moves. 2020 Edition

December 12, 2020 By Retegy

year end image

Here are some things you might consider before saying goodbye to 2020. What has changed for you in 2020? For many, this year has been as complicated as learning a new dance. Did you start a new job or leave a job behind? That’s one step. Did you retire? There’s another step. Did you start a family? That’s practically a pirouette. If notable changes occurred in your perso … [Read more...] about End-of-the-Year Money Moves. 2020 Edition

2021 Limits for IRAs, 401(k)s and More

November 1, 2020 By Retegy

401k, IRA Savings

Numbers to know for the new year. On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note. 401(k)s. The salary deferral amount for 401(k)s remains the same at $19,500, while the catch-up amount of $6,500 also remains u … [Read more...] about 2021 Limits for IRAs, 401(k)s and More

Why Roth IRA Conversions May Now Be Advantageous

October 24, 2020 By Retegy

Magnified Roth IRA

Thanks to a couple of factors, some investors are thinking about this move before 2020 ends. Roth IRAs have attracted retirement savers since their introduction in 1998. They offer the potential for tax-free retirement income, provided Internal Revenue Service rules are followed. Do Roth IRAs seem even more attractive these days? Perhaps. You can cite two factors: … [Read more...] about Why Roth IRA Conversions May Now Be Advantageous

FAFSA Applications Are Now Open

October 17, 2020 By Retegy

students

Federal Student Aid opportunities are often first-come, first-served. Applications for the Free Application for Federal Student Aid (FAFSA) are now open for the academic year 2021-22. Applying for the FAFSA allows you to qualify for grants, scholarships, and other federally-sourced aid, such as work-study or student loans. The applications opened on October 1, 2020, and … [Read more...] about FAFSA Applications Are Now Open

“Backdoor” Roth IRAs

June 17, 2020 By Retegy

Roth IRA conversion

If you make too much money to open a Roth IRA, you could create one this way. You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a Roth IRA grow tax free as long as the owner abides by the Internal Revenue Service (I.R.S.) rules, and withdrawals are federally tax free once you reach age 59½ and have held the Roth IRA for at … [Read more...] about “Backdoor” Roth IRAs

Should You Care What the Financial Markets Do Each Day?

March 9, 2020 By Retegy

Market Turmoil

Focusing on Your Strategy During Turbulent Times. Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when so much is just a click or two away. This impatience also manifests itself in the financial markets. When stocks slip, for example, some investors grow uneasy. Their … [Read more...] about Should You Care What the Financial Markets Do Each Day?

2019 IRA Deadlines Are Approaching

February 4, 2020 By Retegy

IRA magnified

Here is what you need to know. Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. April 1, 2020 is the deadline to take your Required Minimum Distribution (RMD) from certain individual retirement accounts. A new federal law must be noted here. The Setting Every Community Up for Retirement Enhancement … [Read more...] about 2019 IRA Deadlines Are Approaching

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