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Kiplinger's Personal Finance

Oct 01 2021
Magazine

Written to help you do a better job of managing your personal and family financial affairs and to help you get more for your money. You get ideas on saving, investing, cutting taxes, making major purchases, advancing your career, buying a home, paying for education, health care and travel, plus much, much more. Special issues cover the latest information about car buying (December) and Mutual Funds (March and September).

Great Retirement Spots

Complain and Be Heard

Kiplinger’s Personal Finance

CASH-RICH STATES LOWER TAXES • The economic turnaround sparked a wave of cuts in state tax rates. But some say the efforts could backfire.

OCTOBER IS A SPOOKY MONTH FOR STOCKS • The risk now is a surprise shift to tighter monetary policy by the Federal Reserve.

DON’T LOSE TRACK OF YOUR RETIREMENT SAVINGS • A national database to track orphaned 401(k)s and pensions could be on the way, but savers shouldn’t wait to take action.

NEW PERKS AT WORK, FOR A PRICE

CALENDAR • 10/2021

WE RANK THE ONLINE BROKERS • Our survey spotlights firms with great investment choices, tools, advice and more.

HOW THE BROKERS SCORE IN EVERY CATEGORY

FLEDGLING FIRMS THAT FILL A NICHE

FIND THE BEST BROKER FOR YOU

The Beauty of Boring Stocks • Instead of popular but volatile stocks, owning under-the-radar defensive gems will let you sleep at night.

The Truth About Index Funds

A Way to Bet on Infrastructure

SPDR S&P Kensho Intelligent Structures ETF

China Shares Still Hold Promise • The outlook for profit growth is strong, but shares are cheap.

20 LARGEST STOCK AND BOND MUTUAL FUNDS • Ranked by size. See returns for top funds in 12 categories at kiplinger.com/kpf/funds.

Stay Above the Interest Rate Fray

Our Small-Cap Funds Take Different Paths

KEY DATA FOR OUR MUTUAL FUND PICKS • Kiplinger 25 funds are no-load; you can buy them without sales charges. For more about the funds, visit kiplinger.com/links/kip25.

HOW TO DECIDE IF IT’S TIME FOR A CAREER CHANGE • THE PANDEMIC HAS PROMPTED MANY WORKERS TO CONSIDER MORE FULFILLING JOBS. THESE PEOPLE MADE IT WORK.

Credit Cards Offer Travel Insurance

Spend Without Worry • Fears of running out of money prevent many retirees from tapping the nest egg they’ve worked a lifetime to save. With these strategies, you can generate enough income to pursue your retirement dreams.

A Template for a Retirement Income Plan • Below is an income plan for the first nine years of retirement for a hypothetical couple: Bart, who lives to age 85, and Mary, who lives until 92. Mary files for Social Security at age 62; Bart delays until age 70. Bart begins his pension at age 65. The couple have combined retirement savings of $1,716,805 that they will use to supplement noninvestment income. Assuming an average annual return on their investments of 5% and an average 3% inflation rate (5% for health care expenses), Mary would have $1,014,697 ($405,865 in today’s dollars) at age 92.

The Safety Net of a Part-Time Job

Tools for Generating Guaranteed Income

The Pandemic Is Reshaping Retirement • Inflation tops health care costs as the top concern, and many preretirees are boosting their saving rate.

Check Out Your Stock’s ESG Report Card • A sustainability report offers insights into progress toward environmental, social and corporate governance goals.

Should You Invest in Crypto?

Think Twice About Applying for Credit • Credit card issuers are offering a lot of incentives, but your credit score could suffer.

Complain and Get Results • Use these tried-and-true strategies to get companies to listen to you.

Your Rights When You Buy a Lemon

The Pandemic Pet Problem...


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Frequency: Monthly Pages: 76 Publisher: Kiplinger Edition: Oct 01 2021

OverDrive Magazine

  • Release date: August 25, 2021

Formats

OverDrive Magazine

Languages

English

Written to help you do a better job of managing your personal and family financial affairs and to help you get more for your money. You get ideas on saving, investing, cutting taxes, making major purchases, advancing your career, buying a home, paying for education, health care and travel, plus much, much more. Special issues cover the latest information about car buying (December) and Mutual Funds (March and September).

Great Retirement Spots

Complain and Be Heard

Kiplinger’s Personal Finance

CASH-RICH STATES LOWER TAXES • The economic turnaround sparked a wave of cuts in state tax rates. But some say the efforts could backfire.

OCTOBER IS A SPOOKY MONTH FOR STOCKS • The risk now is a surprise shift to tighter monetary policy by the Federal Reserve.

DON’T LOSE TRACK OF YOUR RETIREMENT SAVINGS • A national database to track orphaned 401(k)s and pensions could be on the way, but savers shouldn’t wait to take action.

NEW PERKS AT WORK, FOR A PRICE

CALENDAR • 10/2021

WE RANK THE ONLINE BROKERS • Our survey spotlights firms with great investment choices, tools, advice and more.

HOW THE BROKERS SCORE IN EVERY CATEGORY

FLEDGLING FIRMS THAT FILL A NICHE

FIND THE BEST BROKER FOR YOU

The Beauty of Boring Stocks • Instead of popular but volatile stocks, owning under-the-radar defensive gems will let you sleep at night.

The Truth About Index Funds

A Way to Bet on Infrastructure

SPDR S&P Kensho Intelligent Structures ETF

China Shares Still Hold Promise • The outlook for profit growth is strong, but shares are cheap.

20 LARGEST STOCK AND BOND MUTUAL FUNDS • Ranked by size. See returns for top funds in 12 categories at kiplinger.com/kpf/funds.

Stay Above the Interest Rate Fray

Our Small-Cap Funds Take Different Paths

KEY DATA FOR OUR MUTUAL FUND PICKS • Kiplinger 25 funds are no-load; you can buy them without sales charges. For more about the funds, visit kiplinger.com/links/kip25.

HOW TO DECIDE IF IT’S TIME FOR A CAREER CHANGE • THE PANDEMIC HAS PROMPTED MANY WORKERS TO CONSIDER MORE FULFILLING JOBS. THESE PEOPLE MADE IT WORK.

Credit Cards Offer Travel Insurance

Spend Without Worry • Fears of running out of money prevent many retirees from tapping the nest egg they’ve worked a lifetime to save. With these strategies, you can generate enough income to pursue your retirement dreams.

A Template for a Retirement Income Plan • Below is an income plan for the first nine years of retirement for a hypothetical couple: Bart, who lives to age 85, and Mary, who lives until 92. Mary files for Social Security at age 62; Bart delays until age 70. Bart begins his pension at age 65. The couple have combined retirement savings of $1,716,805 that they will use to supplement noninvestment income. Assuming an average annual return on their investments of 5% and an average 3% inflation rate (5% for health care expenses), Mary would have $1,014,697 ($405,865 in today’s dollars) at age 92.

The Safety Net of a Part-Time Job

Tools for Generating Guaranteed Income

The Pandemic Is Reshaping Retirement • Inflation tops health care costs as the top concern, and many preretirees are boosting their saving rate.

Check Out Your Stock’s ESG Report Card • A sustainability report offers insights into progress toward environmental, social and corporate governance goals.

Should You Invest in Crypto?

Think Twice About Applying for Credit • Credit card issuers are offering a lot of incentives, but your credit score could suffer.

Complain and Get Results • Use these tried-and-true strategies to get companies to listen to you.

Your Rights When You Buy a Lemon

The Pandemic Pet Problem...


Expand title description text
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