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As you approach retirement, you may start to worry whether you have enough saved to fund your golden years. Things like unexpected healthcare costs and a rising cost of living can easily drain your savings if you’re not prepared. Even though these concerns are common, with the right strategy, you can still build a secure and sustainable financial future for yourself. Learn More: 6 Key Signs You’ll Run Out of Retirement Funds Too Early Read Next: 4 Housing Markets That Have Plummeted in Value Over the Past ...

Group 1 - The importance of financial security in retirement is emphasized, highlighting the need to avoid letting cash sit idle due to inflation and missed opportunities [1][2] - A cautious investment approach is necessary for retirees, but being overly conservative may hinder growth, especially with a limited amount of $143,000 [2][4] - The current U.S. political landscape and rising international tensions contribute to increased market volatility, making investment decisions more complex [4][5] Group 2 - A balanced investment strategy is recommended, suggesting a mix of higher-return equities and safer assets like bonds, with a guideline of subtracting age from 110 to determine equity allocation [5] - Investing in gold is presented as a viable option for wealth preservation, particularly during economic and geopolitical instability, with gold prices reaching record levels [6][7]

The risk premium for options is rising in assets from stocks to gold, even as implied volatility on benchmark indexes has been either steady or falling for most of this year https://t.co/URSpBxNqhd ...

Core Insights - The article discusses the expertise of an economist with a focus on financial markets and monetary policy, particularly in commodities like oil and gold, as well as stocks, bonds, and currencies [1]. Group 1 - The economist has over a decade of experience in blogging about financial markets [1]. - The research area includes macroeconomic events and their impact on financial markets [1].

The best way to plan for retirement is to assume that you’re not going to get any help. Unlike in previous generations, where corporate pensions could be relied upon to provide the bulk of retirement income, savings is much more of a “do-it-yourself” scenario these days. And although Social Security remains a bedrock of the American retirement system, there will undoubtedly be changes to the program in the future, as it’s projected to become insolvent in 2034. Fortunately, there are plenty of accounts, to ...

IG Group (IGG) secured a crypto asset license from the U.K.’s Financial Conduct Authority (FCA), becoming the first London-listed firm to join the regulator’s crypto register, the company said in a press release Tuesday. The move paves the way for an expanded set of crypto services on its platform, IG said. The company, best known for its retail trading and investment products, initially rolled out crypto trading in June through a partnership with Uphold while its own application was under review. With f ...

Analyst downgrades HOODRobinhood Markets Inc. (NASDAQ: HOOD) climbed to an all-time high of $132.89 on Sep. 29, capping a year of outsized gains with the stock up 234% year-to-date. Over the last five years, HOOD has risen 278%. Fueled by record trading volumes, product innovation, and a growing customer base, Robinhood reached a market capitalization of $115.3 billion, putting it among the largest fintech companies in the U.S. Notably, the company joined the exclusive S&P 500 index following this month’ ...

Core Insights - Investors are increasingly allocating cash into money market funds, with expectations that the total will exceed $8 trillion by year-end, despite falling yields [1][5][20] - The Federal Reserve's recent rate cuts have not deterred cash inflows into money markets, as investors prioritize liquidity over higher-risk investments like stocks [2][4][6] Group 1: Investor Behavior - Investors are not typically comparing cash investments with stocks but are instead deciding how much cash to hold and where to place it [1][2] - A significant portion of financial advisors (25%) expressed a desire to reduce their clients' cash allocations, indicating discomfort with high cash holdings [7][8] - Many investors are hesitant to invest in stocks due to perceived high valuations, leading to a preference for cash and money markets [11][12] Group 2: Market Dynamics - Money market funds have seen record cash investments, surpassing $7.7 trillion, even as average yields have decreased from over 5% to 3.7% [5][6] - Falling interest rates have created a paradox where cash returns diminish, yet money market investments continue to grow [6][19] - Financial advisors are recommending bonds as an alternative to cash, particularly as rates fall, to lock in higher yields and provide stability [15][18] Group 3: Investment Strategies - Advisors suggest that clients maintain sufficient cash for emergencies but should also diversify into stocks, bonds, and alternative assets [9][10] - Dollar-cost averaging is recommended as a strategy to gradually invest cash into the market, despite concerns about potential long-term returns [12][14] - Bonds are viewed as a favorable option during falling rate environments, providing consistent yields and potential price appreciation [16][17]

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2024 and made its first rate cut in 2025, leading to a decline in deposit interest rates, including money market account (MMA) rates [1] - The national average rate for MMAs is currently 0.59%, while top high-yield accounts offer rates exceeding 4% APY, significantly higher than the national average [2][9] - Online banks and credit unions are highlighted as the best sources for competitive MMA rates due to lower overhead costs and not-for-profit structures, respectively [4][5] Group 1: Money Market Account Rates - The national average MMA rate is 0.59%, but high-yield accounts can offer rates over 4% APY, which is more than six times the national average [2] - Online banks typically provide the best MMA rates due to reduced operational costs, allowing them to offer higher deposit rates and lower fees [4] - Credit unions also offer competitive rates, often ranging from 4% to 5% APY, although membership requirements may apply [5] Group 2: Account Features and Considerations - Money market accounts are considered low-risk and are FDIC-insured up to $250,000 per depositor, per institution, making them safer than money market funds [6] - Many MMAs require a minimum balance to earn the highest advertised rates, and failure to maintain this balance may result in fees or lower rates [6] - MMAs may limit the number of transactions per month, which could be a consideration for those needing frequent access to funds [7]