Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be.
Morningstar director of fixed income Sarah Bush explains how different bond categories performed in a quarter that exceed many investors' muted expectations.
These high-conviction funds also have high-conviction portfolios.
Four questions to ask when determining whether a focused holding makes sense for you.
Eligible investors still have time to implement these money-saving strategies, says Morningstar’s Christine Benz.
Recent Morningstar study shows strong past performance as a big driver of inflows--but not the only one.
Retirees can undermine the strategy by taking risks with cash, not specifying a maintenance regimen, and more.
UC Berkeley professor Terry Odean on some common-sense ways to safeguard your long-term financial plan from missteps in judgment.
A lean 2015 illustrates the merits of employing a short-term bucket alongside a long-term portfolio.
Whether your goal is lower costs, better tax efficiency, or style purity, these ETFs get the job done.
There are many compelling reasons to choose index funds; performance-chasing isn't one of them.
Enjoy maximum tax savings while preserving flexibility.
Financial-education efforts have had depressingly little impact on individuals' decision-making when occurring too far away from the financial behavior it's meant to influence, says University of Colorado's John Lynch.
If the recent drop-off in productivity growth continues, the U.S. could see slower wage growth and less economic support to manage the fiscal pressures an of aging population, says Dartmouth professor Matthew Slaughter.
Escape analysis paralysis when it comes to selecting the right IRA and getting the money invested.
There is little precedent for how the ECB's aggressive stimulus measures might play out. Plus, Olive Garden gets cooking, Dick's looks undervalued, and more.
Surveying direct and indirect hedges, both traditional mutual funds and exchange-traded funds.
These products can be a good fit for those who are delaying Social Security and who have good health and longevity in their family histories, says financial-planning expert Michael Kitces.
Investors who are overconfident in their abilities may trade more often and hurt themselves in the end, says UC Berkeley professor Terry Odean.
Mulling the pros and cons of this retirement-savings vehicle if the 'backdoor' Roth goes bye-bye.
After slumping to various degrees, Royce Premier, Royce Special Equity, and Artisan Global Value have recently reopened to new investors and could be worth a look.
Higher costs of investing in HSAs can eat into--but don't entirely erode--the tax-saving benefits of the accounts.
In high- (or low-) tax years, retirees may have reason to flout the rules of thumb on withdrawal sequencing.
The now-permanent qualified-charitable-distribution rules allow investors to donate to charity and reduce their tax bills, but that's by no means the only tax-friendly way to donate, says financial-planning expert Michael Kitces.
Consider these strategies to stretch out your tax savings during your retirement years.
Taking care with asset placement can result in big tax savings.
Our model portfolios are designed to facilitate in-retirement cash flows--and to limit Uncle Sam's take.
We've designed these portfolios to maximize returns while limiting Uncle Sam's take.
Let your time horizon lead the way, employ tax-efficient equity strategies, make sure not to trigger your own taxable events, and maintain tax diversification throughout retirement, says Morningstar's Christine Benz.
Morningstar's Beth Foos shares some of our top picks for tax-sensitive investors seeking short-term, longer-term, or high-yield muni funds.
Taxable accounts can be useful investing receptacles, but understand the ins and outs for best results.
Currently low tax rates are one of the key reasons that taxable accounts should be part of most investors' tool kits.
Those who are interested in this maneuver should be aware of the stumbling blocks and understand that its days are probably numbered.
The line items tell you a lot about your investment choices--and what you could do better.
While company retirement plans often have guardrails, investors can goof with contributions, investment selections, loans, and withdrawals.
From contributions to conversions to distributions, don't fall into these traps.
Whether you're nearing retirement or still accumulating, these Morningstar analyst-approved holdings are great candidates for tax-sheltered accounts.
Know what you're eligible for, take advantage of workarounds and recharacterization, and--above all--don't wait until the last minute, says retirement expert Ed Slott.
By correcting excessive withholding, taxpayers may be able to avoid credit card debt and refund splurging, and allocate more to retirement accounts throughout the year, says HelloWallet's Aron Szapiro.
Higher HSA contribution limits, myRA introduction are among bigger tax changes this year.
A one-stop guide to key facts and important tax dates to remember for 2016.
At current prices, investors don't need to see radical improvement at the retailing giant in order to get a good long-term return. Plus, decoding the Fed minutes and checking into Priceline.
As their relatively strong returns this year illustrate, managed-futures funds can add diversification to a portfolio--in moderation, says Morningstar's Jason Kephart.
Before backing up the truck for foreign funds, recognize that much of their underperformance is currency related.
On the hunt for bond funds that have gained when the equity market has tumbled.
Core TIPS funds tend to hold longer-term bonds--bringing more interest-rate sensitivity and volatility--but newer, shorter-term TIPS funds have their own trade-offs.
Surveying the key retirement-planning aspects of President Obama's budget proposal for fiscal year 2017.
Tackle these four constructive tasks to improve your portfolio and financial plan.
We screen for quality-conscious, defensive-minded funds that have earned their keep in weak markets.
Investors may not be rewarded for risk-taking during the next several years, so they should tweak their spending and saving patterns instead, says financial-planning expert Michael Kitces.
Conversions and recharacterizations, rather than tax-loss selling, are the better strategy for most.