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Posts about Investing & Retirement (3)

A woman reviewing receipts with cash and paperwork across the table

8 Ways to Prepare Your Finances for a Recession

By: American Heritage 01.07.21 3 minute read Investing & Retirement Savings & Budgeting

You’ve worked hard to earn your money, so naturally you want to grow your earnings and protect them when you can—particularly from bad economic news like a recession. Recessions are a normal part of the economic cycle. They happen when we experience two or more consecutive quarters of reduced overall economic activity. That reduction leads to job losses, home foreclosures, and a lot of uncertainty that can hit close to home, just like what happened during the Great Recession of only a decade ago.

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Rolled up cash on a table with a gift box

4 Ways to Make the Most of a Cash Gift

By: Holly Love 12.23.20 2 minute read Investing & Retirement Savings & Budgeting

Cash gifts are the perfect solution for the ones on your list who have it all. More flexible than a gift card, giving cash allows the recipient to make the important decision of how to spend it. Generally regarded as last-minute or impersonal, cash gifts can be a welcome relief among closer, familial relationships. Everyone has an idea for what they would do with an unexpected check or winning lottery ticket, so why not give the freedom of choice?

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6 Ways to Make the Most of Your Retirement

By: American Heritage 06.04.20 5 minute read Investing & Retirement

You want to enjoy your retirement. You’ve earned it! So, the last thing you want to do is worry about your finances. If you’re recently retired or soon will be, you want to make sure your money will last, especially during these uncertain times. Here are six keys to saving money and simplifying your finances in retirement.

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roth or traditional iras on a notebook

Roth vs. Traditional: Which IRA is best for me?

By: American Heritage 02.18.20 2 minute read Investing & Retirement

We have all heard it before — start saving now, so you can enjoy retirement on your terms. Unfortunately, if you’re like most 20-somethings, contributing to a retirement account is a task that tends to fall down your ever-growing list of to-dos. From student loans to rent and bills, it’s easy to understand how retirement planning, like selecting a Roth vs. traditional IRA, can be neglected. In fact, it is estimated that “66% of people between the ages of 21 and 32 have absolutely nothing saved for retirement, according to the National Institute on Retirement Security. To help get you started and escape that statistic, it is helpful to consider your retirement options and understand the differences between a Roth vs. traditional IRA, two important options for any retirement strategy.

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creating a retirement plan chart

Build a Better Retirement with IRA Certificates

By: American Heritage 01.10.20 3 minute read Investing & Retirement

Saving for retirement is one of the most important things you’ll do with your money. But there are a lot of different ways to save for retirement. Choosing the best option can be confusing. If you’re looking for a simple solution that offers both steady earnings and protection for your funds, an IRA certificate could be right for you. While you may not have heard of this type of account, you’re probably familiar with the two accounts it combines: an individual retirement account (IRA) and a certificate (the credit union equivalent of a bank CD). Here’s why an IRA certificate could be a smart approach to your retirement savings.

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Protect What Matters with the Right Life Insurance

By: American Heritage 09.12.19 3 minute read Investing & Retirement

It’s never an easy thing to think about, but it’s something you need to consider: If you were to die, who would provide for your loved ones? Unless you’ve built a large nest egg that your kids or other family members can inherit, having a life insurance policy may be key to keeping your loved ones financially protected if you pass away. You may put off this important financial step because it seems like a hassle. But the truth is, finding and getting the right policy is probably easier than you think, and there are options for every budget.

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A person uses a calculator to make sense of their finances

Rates, APRs, and Dividends: What They Are & Why They Matter

By: American Heritage 06.06.19 3 minute read Investing & Retirement

When you’re applying for a loan, shopping for an account, or listening to a finance pro, you’re bound to come across a lot of financial jargon – but rarely a clear explanation of what these terms mean. A solid understanding of key banking concepts like rate, APR, and dividend is crucial to making smart financial decisions – and can help put more money in your pocket (and keep it there).

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Three people evaluating a financial sheet

Questions To Ask Your Financial Advisor

By: American Heritage 01.02.19 3 minute read Investing & Retirement

Between paying off student loans to thinking about buying a home, your 20s is a time filled with change, excitement, and yes, lots of financial decisions. With those financial decisions, comes questions like, “Which debt should I pay off first?” or “How do I secure the best mortgage for me, and one that I can afford?” As you deliberate on these various decisions, securing a financial advisor may be a good strategy, one that can help you navigate these big life changes. The first step to getting a financial advisor? Do your homework and ask the right questions. To help you get started, our team has outlined our top 7 questions for a financial advisor below.

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