To issue financial securities such as stocks and bonds, an issuer typically has to register those securities with the Securities and Exchange Commission (SEC) before they can be made available to the investing public. A notable exception exists for offerings that will be made only to accredited investors.  An accredited investor is a person or… Continue reading What Is an Accredited Investor? Is It Worth It to Become One?

The Federal Reserve has raised interest rates in its last 10 consecutive meetings. The majority of people who track economic and financial data have been anticipating these moves, given the expanding economy and rising inflation. But what does a rate hike mean? And, to go a step further, what does it mean for you specifically… Continue reading Fed Rate Hikes and What They Mean for Your Retirement Money

Whether you’re new to investing or have been doing it for years, you may want to consider socially responsible investing or SRI. This is particularly true if you’re looking for a way to give back and make a positive difference in the world. Take a closer look at what SRI is and how it works… Continue reading What Is Socially Responsible Investing? How to Get Started

The history of investing has been full of innovations and trends. Cryptocurrency is the latest of these crazes, leading to a stock vs. cryptocurrency debate. As cryptocurrencies such as Bitcoin and Ethereum have jumped in value, millions of investors have tried to profit from the rise of digital payment systems. Some people have even stopped… Continue reading Stocks vs. Cryptocurrency: Which Is Better for Investing?

By investing, you can build wealth and put your money to work. It’s the key to long-term financial security. If you’d like to invest but don’t have a lot of money at your disposal, micro-investing is certainly worth considering. It can allow you to invest small amounts of money that may eventually turn into thousands… Continue reading Should You Try Micro-Investing? How to Start

As retirement grows nearer, the thought of living without a steady income becomes scarier for some people. One way to ensure regular payments for the rest of your life is to purchase an annuity. In particular, you can choose between an immediate annuity or a deferred annuity. These retirement insurance plans offer the peace of… Continue reading Immediate and Deferred Annuities: What’s the Difference?

You have a lot of options to choose from when deciding how to save for retirement. There are different account types, some of which are provided by your employer and some that you open on your own. There are also many different investments to pick from whether that is inside a retirement account or a… Continue reading IRA or Annuity: Which Is Better for Your Retirement Savings?

Looking for a robo-advisor? Understand the pros and cons and read our profiles of leading robo-advisors to determine which is the best robo-advisor for your needs.

Participating in your company’s 401(k) plan is an excellent way to save for retirement. A 401(k) isn’t something that you should just sign up for and forget about, though. There are some things you will need to periodically review to make sure you are getting the most benefit from your savings. The middle of the… Continue reading 401(k) Money Moves to Make Before the End of the Year

There was a time when freelance work was considered a “side hustle” and not the main event. That has changed dramatically in recent years. A 2019 study by Upwork and Freelancer’s Union found that 57 million Americans are in the freelance market – that represents 35% of the overall U.S. workforce. Among the 6,000 freelancers… Continue reading How Can Freelancers and Gig Workers Save for Retirement?