August 2025 MyPlanIQ Portfolio Update
In this issue:
- Residential Real Estate vs. Stock Investments
- Fund Analysis: PIMCO Multisector Bond ETF PYLD
- Economic & Market Indicators
- Model Portfolios
- Funds to Watch
- Market Overview
The Most Reliable Retirement Savings: Why $1.8 Million is a Popular Lie
In this issue:
- Latest in Retirement Savings & Personal Finance: Retirement Savings Still Fall Short, Sluggish Home Sales & The Most Overvalued Stock Market
- The Most Reliable Retirement Savings Needed: Why $1.8 Million is a Popular Lie
- Tools & Tips: Retirement Spending Calculator Based on a Portfolio, Fund, or Stock
- Market Overview
The Most Reliable Retirement Savings Amount You Need in 2025
You’ve probably come across those big retirement numbers that show up in media or surveys. Most of them sound a lot higher than what many people can actually save. Here are some popular ones: $1.8 million — Schwab 401(k) Participant Study (2024)This one shows up...
The Best Age (62, 67, or 70) to Claim Your Social Security Benefits
In this issue:
- Latest in Retirement Savings & Personal Finance: Social Security Benefit Tax in One Big Beautiful Bill, The Worst US Treasury Bond Returns in History!
- The Best Age (62, 67, or 70) to Claim Your Social Security Benefits
- Tools & Tips: Social Security Benefit Claim Age Calculator
- Market Overview
Retirement Withdrawals in Optimal Order
In this issue:
- Latest in Retirement Savings & Personal Finance: Amazon Prime Day Record Sales, Inflation Rise Again? Underestimating Hobby and Pastime Costs
- Retirement Withdrawals in Optimal Order
- Tools & Tips: Retirement Withdrawal Optimal Calculator
- Market Overview
Best Strategy to Withdraw Funds in Retirement
When you retire, the order you pull funds from your accounts (whether taxable, traditional, or Roth) can make big difference.
Retirement Milestone Cheat Sheet
In this issue:
- Latest in Retirement Savings & Personal Finance: OBBB Tax Changes, More Debt Among Millennials, Adult Children Living at Home
- Retirement Milestone Cheat Sheet
- Tools & Tips: Main ETFs You Can Use
- Market Overview
Savings Hacks
In this issue:
- Latest in Retirement Savings & Personal Finance: Crypto in 401(k), Private Investments in Target Date Funds, BNPL Credit Score Impact
- Savings Hacks Using BNPL & Others
- Tools & Tips: Money Market Fund Center
- Market Overview
July 2025 MyPlanIQ Portfolio Update
In this issue:
- Residential Real Estate vs. Stock Investments
- Fund Analysis: PIMCO Multisector Bond ETF PYLD
- Economic & Market Indicators
- Model Portfolios
- Funds to Watch
- Market Overview
Annuity Income Payout vs. Invest & Withdraw
In this issue:
- Latest in Retirement Savings & Personal Finance: Annuity Is Back, HSA & Retirement Healthcare Improvement, Growing Medical Debt Crisis
- Tools & Tips: Annuity vs Invest Calculator
- Annuity Income Payout vs. Invest & Withdraw
- Market Overview
What $1 Million Really Buys You in Retirement: Annuity vs. Investment Strategy
Most investors think about returns first. But what gets less attention, and probably deserves more, is volatility. Risk adjusted returns matter more. Being comfortable with portfoiio swings is the key to investment success.
Public Pay Might Be Higher Than You Think (Once You Do the Math)
In this issue:
- Latest in Retirement Savings & Personal Finance: High 401(k) Savings Rate, The Big Beautiful Bill’s Deficit Increase & Who Are Affected by the BBB
- Public Pay Might Be Higher Than You Think (Once You Do the Math)
- Tools & Tips: Retirement Pension Value Calculator
- Market Overview
Why Managing Volatility Matters
Most investors think about returns first. But what gets less attention, and probably deserves more, is volatility. Risk adjusted returns matter more. Being comfortable with portfoiio swings is the key to investment success.
Stock Compensation 101: How People Build Wealth (or Blow It)
In this issue:
- Latest in Retirement Savings & Personal Finance: Review and Get Rid of Your Unused Subscriptions, Private Equity & Crypto Investments in Your Retirement Accounts, Germany’s Early Start Pension
- Stock Compensation 101: How People Build Wealth (or Blow It)
- Tools & Tips: RSU Calculator
- Market Overview
Retirement Plan Contribution Limits in 2024
2024 Retirement Plan Contribution Limits 1. 401(k), 403(b), and 457(b) Plans Employee Contributions: Up to $23,000 (under age 50) Catch-up contribution: $7,500 (ages 50+) Total Combined Limit (Employee + Employer): $69,000 Roth Options: Available for 401(k), sometimes...
How to Take Advantage of Your ESPP (Employer Stock Purchase Plan)
In this issue:
- Latest in Retirement Savings & Personal Finance: Workplace Benefits like Flexible Spending & Telemedicine, AI Taking over Jobs?
- How to Take Advantage of Your ESPP (Employer Stock Purchase Plan)
- Tools & Tips: ESPP Tax and Cost Basis Calculator
- Market Overview
June 2025 MyPlanIQ Portfolio Update
In this issue:
- MyPlanIQ Composite Allocation Indicator & Applications
- Fund Analysis: Factor Funds & Healthcare Industry Trend
- Economic & Market Indicators
- Model Portfolios
- Funds to Watch
- Market Overview
How to Benefit from Your ESPP (Employer Stock Purchase Plan)
This article explains how to benefit from your ESPP (Employer Stock Purchase Plan) by looking at both short and long terms.
Simple 401(k) Investment Guide
In this issue:
- Latest in Retirement Savings & Personal Finance: College Education Affordability Declined, Rising Debt Puts Your 401(k) Retirement Savings in a Pickle
- Simple 401(k) Investment Guide
- Tools & Tips: 401(k) Investment Assistant
- Market Overview
Why Actively Managed Bond Funds Outperform Index Funds More Often Than Stocks
Multiple research results now point to what seems like a consistent pattern: active bond funds tend to outperform their passive peers more often than stock funds do.