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What is a haven of peace? A safe haven is a type of investment that is expected to maintain or increase its value during times of market turbulence. Investors look for safe havens to limit their exposure to losses in the event of a market decline. However, the assets that are actually considered safe havens can vary depending on the …

If you have never worked or paid Social Security taxes (or haven’t paid them long enough), you won’t be able to claim Social Security retirement benefits on your own. However, you may be able to receive spousal benefits through your spouse’s account. You can file a claim under their account from age 62, provided your spouse has already filed a …

If you have a 401(k) planyou probably know that you can use it to invest in a wide variety of funds—target date fund, passively managed index funds and actively managed mutual fund. However, some plans also allow you to access other types of financial products, such as annuities. An annuity is a contract between you and an insurance company in …

What is an Investment Policy Statement (IPS)? A Investment Policy Statement (IPS) is basically a business plan for an investment portfolio. It is very common for financial advisors to create an IPS for their institutional clients such as retirement plan sponsorsfoundations and endowments. Many financial advisors will also write one for their individual clients. Having an IPS makes it easier …

What is the SALT (national and local tax)? The acronym SALT stands for State and Local Tax and is commonly associated with the Federal Income Tax Deduction for State and Local Taxes available to taxpayers who itemize their deductions. In 2017, a $10,000 cap on the previously unlimited SALT deduction was adopted and made applicable for tax years beginning in …

Dodge & Cox is an outstanding wealth management firm in the mutual fund industry, with a long track record of success. The company’s management team tends toward a collaborative approach with a wide idea generation process. Dodge & Cox managers are also invested in their funds and, therefore, have a strong incentive to maximize shareholders’ returns. The company has been …

karma credit tax Jackson Hewitt’s Tax Pro From Home service gives you an option for a hybrid online tax preparation experience that puts the heavy lifting in the hands of a professional tax preparer. We chose this software as the best for expert guidance. Advantages Access live support or pay extra to have a tax professional take over The inconvenients …

For decades, mutual funds have offered professionals Portfolio Management, diversification, and convenience for investors who lack the time or means to trade their portfolios profitably. In recent years, a new class of mutual fund has emerged that offers many of the same benefits as traditional open-ended funds with a much greater liquidity. These funds, called exchange traded funds (ETFs), trade …

Progressive commercial Do-it-yourselfers who need coverage for their work vehicle should look to Progressive Commercial, the largest and most experienced commercial vehicle insurer in the country. Advantages Largest provider of commercial auto insurance in the United States Covers commercial vehicles that are also used for personal transportation Several discounts offered Commercial auto coverage available in all 50 states The inconvenients …