The recent stock market volatility, the bear market, the ever-growing inflation rate, and ongoing supply issues have taken a severe toll on the American psyche. For some, it has forever altered how they perceive and manage risk.
Understanding your risk tolerance is considered one of the most important elements of investing.
Many people see risk tolerance as a measure of their financial ability to withstand losses. In theory, the more risk you take, the more potential for reward...
If anything good has come from the last few years of uncertainty and volatility, it’s that many of us are becoming more financially literate. We’re more aware of our finances and are better at prioritizing our expenditures. We’re also more aware of how important it is to save for the future, while still enjoying the present moment. We make lists, and spreadsheets, and use planning and budgeting apps, all with the aim of better managing our lives.
But when it comes...
It’s believed that retirement planning as we currently know it didn’t really exist until a few decades ago. Up to that point, people worked until 65 and then sailed into retirement on a pension plan. Over the next few decades, as life expectancy and years in retirement expanded, financial professionals came up with simple guidelines to determine how much you would need at retirement to maintain your lifestyle.
This is where some of the common retirement “rules...
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