tete_escape / Shutterstock.com Quick Read iShares 20+ Year Treasury Bond BuyWrite Strategy ETF (TLTW) yields 14.8% by holding long-term Treasury bonds and writing call options. VistaShares Target 15 Berkshire Select Income ETF (OMAH) holds a Berkshire Hathaway-inspired stock basket with an options overlay. It yields 12.83%. Strategy Shares Gold-Hedged Bond ETF (GOLY) yields 7.25% and rose 45% over the past year. If you’re thinking about retiring or know someone who is, there are three quick questi ...

Join Now to Access Our Top Picks for 2026!Your timing is perfect! We are about to release our top investment picks for 2026, and by joining today, you’ll gain immediate access to these exciting opportunities.We invest thousands of hours and over $100,000 annually into researching the most profitable investment opportunities—all to bring you high-yield strategies at just a fraction of the cost.Our approach has earned us ~200 five-star reviews from satisfied members who are already seeing the benefits. Don’t ...

SDI Productions / Getty Images Indeed, while more than 80% of Americans in their 60s are invested in retirement plans, only about 35% have brokerage accounts. Key Takeaways For people in their 60s, retirement accounts typically hold more than $300,000 in stocks on average—but the median balance is closer to about $100,000. Taxable brokerage accounts vary widely, but industry data show engaged near-retirees often hold low- to mid-six-figure balances. As retirement nears, many wonder if their investme ...

Group 1: Brokerage Firms - Fidelity is recognized for its excellent customer service, no account fees, and a wide selection of investments, including thousands of mutual funds without transaction fees [1] - Charles Schwab is noted for its investor-friendly reputation, offering commission-free trades and a robust trading platform, thinkorswim, suitable for both active and passive investors [3] - Vanguard is highlighted for its low-cost mutual funds and zero commissions for online trading, making it ideal for passive investors [7] - E-Trade provides commission-free trading and access to over 6,000 mutual funds without transaction fees, catering to both active and passive investors [18][19] - Interactive Brokers is known for its access to global markets and is favored by serious active traders, offering both Pro and Lite trading platforms [10][11] Group 2: Robo-Advisors - Wealthfront offers portfolio construction based on risk tolerance and automatically rebalances investments, charging a management fee of 0.25% per year [2] - Betterment manages portfolios for a flat fee of 0.25% if account balances exceed $24,000, providing features like tax-loss harvesting and automatic rebalancing [8][9] - Schwab Intelligent Portfolios provides personalized management with no management fee, requiring a minimum investment of $5,000 [12][13] - Fidelity Go is a hands-off robo-advisor option with no fees for accounts under $25,000, charging 0.35% above that threshold [22][23] Group 3: Investment Accounts - An IRA is a popular retirement investment vehicle that offers tax advantages, allowing contributions to grow tax-deferred until withdrawal [5][24] - Traditional IRAs allow pre-tax contributions, reducing taxable income, while Roth IRAs offer tax-free withdrawals in retirement [29][34] - Investors can contribute up to $7,500 in 2026, an increase from $7,000 in 2025, with an additional catch-up contribution for those aged 50 and older [33]

Igor Suka / Getty Images Experts warn that retirees who seek safety in bonds and cash may be overlooking the larger risks: inflation and the possibility of outliving their assets. Key Takeaways In a recent survey of over 1,000 investors, about 86% of high-risk retirees failed to meet a basic asset diversification benchmark. Financial experts caution against overly relying on cash and bonds to avoid market risk and instead recommend balancing cash, bonds, stocks, and other investments for long-term grow ...

Core Insights - Dividend stocks provide retirees with a steady income stream and potential for capital appreciation, which is essential for combating inflation during retirement [1] Group 1: Dividend Stock Selection - Selecting dividend stocks requires careful consideration beyond just high yields, as stocks with extremely high yields may indicate financial distress and potential dividend cuts [2] - The focus should be on investing in stable, well-managed companies with consistent and predictable cash flows [2] Group 2: Company Profiles - **Coca-Cola (KO)**: Known for its strong brand, Coca-Cola has a reliable cash flow that has enabled it to increase its dividend for 64 consecutive years, making it a top choice for dividend investors [3][4] - **Verizon Communications (VZ)**: Despite being considered a slow-growth stock, Verizon offers a high dividend yield of 6.93%, which surpasses many bonds, and has sufficient cash flow to support its dividend payments [5][8] - **AT&T (T)**: AT&T has stabilized its cash flow by focusing on wireless and broadband operations, allowing it to maintain a substantial dividend yield [6] - **Texas Instruments (TXN)**: Texas Instruments offers an annual dividend of $5.68 with a yield of 3.54%, contributing to its market capitalization of $145.13 billion [10]

pics five / Shutterstock.com Quick Read Retirees often need more than just Social Security to live comfortably. JPMorgan Equity Premium Income (JEPI) generates monthly income by holding large-cap S&P 500 stocks and selling call options against them. JEPI suits retirees with moderate risk tolerance seeking steady income beyond Social Security’s average $2,000 monthly benefit. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to re ...

Key Points Index funds make investing easy. They can help you target growth, income, or both. Consider spreading your dollars across several funds. 10 stocks we like better than Vanguard S&P 500 ETF › As you save and invest for retirement, perhaps aiming for $1 million, be sure to invest your hard-earned dollars effectively. Take on too little risk, and you'll likely end up with a slow-growing portfolio. Take on too much risk -- such as with penny stocks or by day-trading or investing on margin - ...

Core Insights - Warren Buffett emphasizes the importance of understanding investments before committing funds, advocating for a strategy that involves spending less than one earns and investing the difference over time [2][3][4]. Investment Strategy - Buffett advises investors to only invest in assets they fully understand, which minimizes risk and can lead to greater success [4][7]. - He recommends S&P 500 index funds for most retirement savers due to their simplicity and ease of management, allowing investors to put money into the broad stock market without constant oversight [5][7]. Understanding Investments - Investors should comprehend the business models of the companies they invest in, including how they generate revenue, their strengths and weaknesses, balance sheet management, and potential threats [6][8]. - It is crucial for investors to align their asset choices with their overall investment strategy and financial goals, avoiding impulsive decisions based on market trends [6][7].

Information in Investor's Business Daily is for informational and educational purposes only and should not be construed as an offer, recommendation, solicitation, or rating to buy or sell securities. The information has been obtained from sources we believe to be reliable, but we make no guarantee as to its accuracy, timeliness, or suitability, including with respect to information that appears in closed captioning. Historical investment performances are no indication or guarantee of future success or perfo ...