Investing
Let time and compound growth do the heavy lifting.
Let time and compound growth do the heavy lifting.
Investing basics
What is investingSaving is for soon. Investing is for years away.Compound interestGrowth on your growth, given time.InflationWhy idle cash buys less every year.Stocks vs bondsOwnership that swings vs loans that steady.Index fundsOne purchase, hundreds of companies, tiny fees.ETFsA whole basket of investments that trades like one stock.Expense ratiosThe quiet yearly fee that compounds against you.DiversificationDon't let one company decide your future.Retirement accounts
What is a 401(k)Retirement savings straight from your paycheck.401(k) matchContribute enough to collect every matched dollar.401(k) vestingYour money is always yours. The match vests.What is an IRAA retirement account you open on your own.Roth vs traditionalPay tax now or later on retirement money.Retirement savings targetYour gap times 25, or about 15% of pay.401(k) rolloverMove it by direct rollover. Don't cash it out.Build a portfolio
Start investingCushion, debt, match, IRA, then more.Brokerage accountInvesting with no limits, and tax every year.Target-date fundsOne fund that sets and adjusts your whole mix.Asset allocationYour split between stocks, bonds and cash.Dollar-cost averagingSame amount, every month, whatever the market does.RebalancingBring your stock and bond mix back on target.DividendsProfit paid to owners, usually every 3 months.When stocks dropKeep investing, don't panic-sell, and check your timeline.Crypto risksBig swings, no insurance, lots of scams.Choosing an adviserFiduciary, clear fees, clean record.
Get your money plan by email
One step each morning: what to do, why it comes in that order, and one small thing to try. About 5 minutes. Then one short note a week. Free, unsubscribe anytime.