In personal finance, I often think in terms of "levers" to push or pull. Here are five different levers to increase your portfolio safe withdrawal rate in retirement. Here are three levers used increase your final savings balance at … [Read the rest]
Here's my monthly roundup of the best interest rates on cash as of September 2022, roughly sorted from shortest to longest maturities. We all need some safe assets for cash reserves or portfolio stability, and there are often lesser-known … [Read the rest]
Credit Union 1 (CU1) has a $500 checking account promotion with qualifying direct deposits. Available to both new and existing customers who haven't set up direct deposit yet. Based in Illinois, CU1 membership is open nationwide through membership … [Read the rest]
If you have brokerage accounts with Vanguard, you may have received an email with the somewhat vague subject line "The fee policy is changing for brokerage accounts". Whenever fees goes down, the subject line is usually "WE SAVED YOU MONEY BY … [Read the rest]
Citi has started their own self-directed brokerage arm called Citi Self Invest, joining $0 commission bank competitors like Chase, BofA, and Wells Fargo. They are also running a promotion for existing Citi banking or credit card customers to … [Read the rest]
Either Jonathan Clements or Jason Zweig (both long-time, award-winning personal finance columnists) once wrote that personal finance writing was all about finding the 1,000th different way to discuss the same five basic concepts. Early in the book … [Read the rest]
The JP Morgan Guide to Retirement slide deck is provided to its advisors to discuss retirement planning with clients. Updated annually, they kindly share this document publicly and it contains many useful charts and graphs, like the one above that … [Read the rest]
Robinhood brokerage app has up to a $600 bonus for new customers that deposit a certain amount of money. Here are the highlights: New customers must sign up for Robinhood using the promotion page and get approved by August 17, 2022. Link … [Read the rest]
Update: Rate has since dropped to 3.75% APY as of 8/16/22, and they have also stopped accepting application from people joining via a membership in the EFCU Financial Foundation or the Louisiana Wildlife Federation. Hope some folks got in that were … [Read the rest]
Vanguard has been gradually rolling out a new option for the cash settlement sweep in your Vanguard Brokerage Account. The Vanguard Cash Deposit is FDIC-insured via partner banks and is currently available to select customers on an invitation-only … [Read the rest]
Vanguard recently released the 2022 edition of their annual How America Saves report, a 110-page report targeted at industry insiders which looks at the nearly 5 million 401k, 403b, and other defined-contribution retirement plans. If you wish to … [Read the rest]
Jim Otar is a retired engineer-turned-financial-planner who has written many books and articles about retirement income. I recently found an old bookmark and reread his article Lifetime Retirement Income: The Zone Strategy from … [Read the rest]
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