The Evolution of College Savings: 529 Plans and the New Roth IRA Rollover Option
The Evolution of College Savings Written by: Yogesh Prasad, CFA, CAIA 529 Plans and the New Roth IRA Rollover Option For over a generation, 529 plans have been the go-to method for saving for higher education expenses. These tax-advantaged investment accounts allow contributions to grow tax-free and be withdrawn tax-free for qualified educational expenses. With […]
Rethinking your savings: Is it time to move beyond treasury bills?
If you have been playing it safe with your savings over the past couple of years, you have your money in something like Treasury Bills (T-bills). And for good reason—they have been offering decent returns with minimal risk. However, things are changing. The Federal Reserve is talking about lowering interest rates, and that could affect how much your T-bills are earning.
Enhancing your cash yield: a smarter approach to principal protection
In today’s financial landscape, many investors face a common dilemma: how to make their cash work harder without compromising safety. Traditional options like savings accounts, money market funds, and CDs often fall short, offering minimal returns that barely keep pace with inflation. But what if there was a way to potentially boost your cash yield while still maintaining principal protection?
Looking back: what did we learn in August?
As we navigate the complex economic terrain of August 2024, Confluent Asset Management remains committed to providing you with actionable insights to optimize your investment strategy. Our analysis reveals a nuanced picture with significant implications for your financial future.
What would a Harris-Walz administration do for the economy?
With the 2024 U.S. presidential election fast approaching, many voters are focused on which candidate can best deliver financial relief and economic stability. Vice President Kamala Harris and her running mate, Minnesota Governor Tim Walz, are proposing a range of policies aimed at addressing inflation, supporting working families, and promoting economic growth. Here is a closer look at their economic agenda
What the interest rate cut means for your investments
Discover how interest rate cuts by central banks, like the Federal Reserve, can impact your investment portfolio and optimize your returns. Learn the implications of rate changes and how to strategically position your portfolio in response. Explore expert insights on sectors that perform well in a low-interest environment, such as growth stocks, real estate investment trusts (REITs), and small-cap stocks. Uncover the benefits of active portfolio management and gain valuable insights from case studies during past rate cut cycles. Don’t miss out on the opportunities presented by a low-interest-rate environment – read more now!
Seize the Moment: Transform Your Finances with a Trusted Financial Advisor
Introduction What if you could guarantee your financial stability now, giving you peace of mind for years to come? The road to financial stability doesn’t have to be difficult in an uncertain world of markets and the economy. You can overcome these obstacles with confidence and realise your financial goals when you have a reliable […]
Exploring Active Investing: A Guide to Superior Portfolio Management
While passive investing advocates for a hands-off approach, active investing stands out with its proactive decision-making and continuous portfolio management.
Understanding Taxes for Beginners: Navigating the Complex World of Taxation
Taxes play a significant role in everyone’s life, yet the intricacies surrounding them can often be daunting for beginners. In this comprehensive guide, we’ll demystify the world of taxation, exploring various types of taxes, tax-deferred accounts, backdoor Roth IRAs, qualified vs non-qualified distributions, and the implications of different employment statuses on taxes.
Financial Planning for Newlyweds: Addressing 7 Common Concerns
One of the first steps in financial planning for newlyweds is establishing a joint budget. Sit down together and list all shared expenses, including rent or mortgage, utilities, groceries, and transportation costs. Allocate funds for each category based on your combined income.
