Financial Living Blog

Q2 2022 Market Update: Is This Time Different?

Jul 5, 2022 8:19:00 AM

Advance Capital Management’s president and chief investment officer, Christopher Kostiz, provides his key economic and market insights from the most recent quarter.

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A Comprehensive Look at the FERS Pension

Jun 29, 2022 8:54:45 AM

As a government employee, the Federal Employees Retirement System (FERS) Basic Benefit is a benefit available to you to help replace your current income and live a comfortable retirement. It is commonly referred to as the FERS pension. The size of your benefit can vary greatly as it depends on personal decisions you make during your working years.

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Pros & Cons of Claiming Social Security Early vs. Delayed

Jun 22, 2022 9:54:28 AM

As with many retirement planning decisions, there is no one right way to claim Social Security. The best time for you to file depends on several factors, ranging from your health, the size of your retirement savings, what other income sources you have, and your marital status.

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How Much Should You Be Saving for College?

Jun 15, 2022 9:32:27 AM

It’s a question often asked by parents, from new parents to grandparents: how much should I be saving for college?

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AT&T 401(k) – Keep It or Roll It Over?

Jun 8, 2022 9:41:57 AM

One of the best AT&T benefits for employees is a 401(k) account. It allows you to save, invest and grow money to supplement your AT&T pension. But, what happens when you retire or change jobs? What should you do with the money you’ve saved in your AT&T 401(k) account?

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What If You Retire in a Bear Market?

Jun 1, 2022 10:04:21 AM

In retirement, one of your primary sources of income will consist of your retirement savings accounts, such as 401(k)s and IRAs. Withdrawing money from those accounts while they’re down can negatively affect the longevity of your portfolio. So, what can you do if you retire in a bear market?

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The Benefits of Long-Term Investing

May 25, 2022 11:05:40 AM

During periods of extreme market declines, a natural emotional reaction can be to “take control” by selling out of the market and seeking safety in cash. This is due to “loss aversion” – or the fact that losses hurt more than gains feel good. The results of this action can be devastating because positive returns are more likely to occur by investing over the long term.

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Protecting Your Personal Information and Financial Assets

May 18, 2022 1:01:26 PM

Today much of our financial lives exist in cyber space, which means protecting your identity from hackers is now an important part of managing your money.

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Do I Bonds Make Sense for your Cash Reserves?

May 11, 2022 9:21:29 AM

With rising inflation, volatile stock and bond prices, and low interest rates on regular bank accounts, there are few places for investors to store any extra cash.

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What to Know About the TSP Mutual Fund Window

May 4, 2022 9:32:22 AM

Changes are being made to the Thrift Savings Plan account. In an effort to improve the choice of investments available to investors within the TSP (currently restricted to five funds plus the L-series target date funds), the Federal Retirement Thrift Investment Board (FRTIB) is making a “mutual fund window” available to plan participants beginning this upcoming summer.

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