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Making a peer-to-peer (P2P) payment is a convenient way to transfer money to family, friends, or businesses. Whether you’re splitting a bill or paying a babysitter, if you have someone’s contact information, you can…

These days, most people who work in the private sector don’t have pensions, so they can only guess how long their retirement savings might need to last. Those who withdraw too much or live…

About 96% of U.S. businesses are pass-through entities that do not pay taxes at corporate rates. When a business is structured as a sole proprietorship, S-Corporation, partnership, or limited liability company (LLC), the profits…

As its name suggests, the S&P 500 Index contains about 500 stocks. These represent the largest U.S. companies across a broad range of industries, and the index as a whole is generally considered representative…

According to a 2024 survey, 60% of small businesses believe that cyberattacks are the biggest threat they currently face : and rightly so.1 When a data breach occurs, hackers gain access to the personally…

A convertible bond is a regular corporate bond that comes with a special added feature: the investor has the right to convert it into shares of that company's common stock. U.S. convertible bond issuance…

Losing a loved one is never easy. In addition to the emotional challenges you may face, you might also be worried about what will happen to their debts once they are gone. Generally, with…

Individual bonds and bond funds can both provide an income stream, but there are important differences. An individual bond can offer more certainty and stability than a fund, while a fund can offer diversification…

On April 2, 2025, President Trump announced sweeping tariffs on imported goods that were significantly larger and different in structure than expected. Over the next two days, the S&P 500 Index plunged by 10.5%.…

Condominiums, or condos, appeal to home buyers of all ages and life stages, but they are especially attractive to younger families and retirees who want to reap the benefits of homeownership while spending less…

On September 18, 2024, the Federal Reserve’s Federal Open Market Committee (FOMC) lowered the benchmark federal funds rate one-half percentage point to a range of 4.75% to 5.0%. It was the first rate cut…

Two out of three 401(k) participants have assets in a target-date fund : an “all-in-one” fund intended in theory to be the holder’s only investment (see chart). These funds are often the default option…

Tariff Turmoil or Economic Signal? The Makings of a Stock Market Correction On March 13, 2025, the S&P 500 Index landed in correction territory after a swift three-week drop of more than 10% from…

When deciding between traditional (pre-tax) and Roth contributions, the general rule is to think about whether you are likely to benefit more from a tax break today than you would from a tax break…

Since the startling capabilities of generative artificial intelligence (GenAI) first shook the world in 2023, more of us are wondering: could the four-day workweek come sooner than we thought, or is that just wishful…

The U.S. national debt is the total amount of money owed by the federal government. As of March 2025, it stands at $36.21 trillion.1 The difference between deficit and debt When the federal government…

Cancer diagnosis rates are on the rise, especially for younger people under age 55. Meanwhile, U.S. death rates from cancer fell by one-third between 1991 and 2021, largely due to early detection, effective treatments,…

Almost half of U.S. families headed by a married couple include two working spouses.1 With dual careers, many spouses accumulate assets in separate retirement accounts. Each might have funds in an employer-sponsored plan and…

Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts. Here are a few of the key adjustments for…

Growth stocks have dominated the market for two decades, led by large technology companies and recently riding investor enthusiasm for artificial intelligence. While this trend may continue : and no one can predict the…

Asset allocation and diversification are so fundamental to portfolio structure that it’s easy to lose sight of these strategic tools as you track the performance of specific securities or the dollar value of your…

The Federal Reserve has been at the forefront of economic news since the spring of 2022, when the central bank started aggressively raising interest rates to combat inflation. Now that the Fed has begun…

On August 5, 2024, the S&P 500 Index dropped 3% from its previous close, the largest single-day loss in almost two years. This continued a three-week slide that saw the benchmark index : generally…

Investing can be daunting, whether you are experienced or a beginner. Even if you feel confident about your investing strategy, it can be easy to lose focus or make decisions based on emotion. Here…

According to data from the International Monetary Fund, the United States received almost one-third of all global foreign investment from 2021 to 2023. This compares with an average of just 18% before the pandemic.…