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Time-Tested Tactics to Build Your Wealth

We have doled out a lot of good advice over the 70 years we’ve been publishing Kiplinger's Personal Finance magazine. So in many ways it was easy to come up with 70 ideas on how to create wealth. But when our editorial staff submitted nearly 300 ideas, the editors had to roll up our collective sleeves and distill the advice into absolute gems.
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Tax Strategies for Retirees

Nothing in life is certain except death and taxes. —Benjamin Franklin. That saying still rings true roughly 300 years after the former statesman coined it. Yet, by formulating a tax-efficient investment and distribution strategy, retirees may keep more of their hard-earned assets for themselves and their heirs. Here are a few suggestions for effective money management during your later years.
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Income Inequality and Its Impact on Women's Retirement

Here are the facts. Generally speaking, women earn less than men, live longer than men, and often take time out of the workforce to have children and/or to care for an aging parent or sick loved one. The potential consequence of these realities? While most U.S. workers are facing a retirement savings deficit, for women, the effect is compounded: Lower pay translates into reduced Social Security benefits, smaller pensions, and less retirement savings.
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The Charitable IRA Transfer: Permanent at Last

In December 2015, President Obama signed into law the "Protecting Americans From Tax Hikes Act of 2015." This new ruling made permanent many tax breaks that had been dubbed "extenders" as taxpayers would have to wait -- typically until the last minute -- for lawmakers to reinstate them for another year. Among the most popular of the bunch is the IRA charitable transfer provision. So if you are age 70½ or older and charitably minded to boot, consider tapping your IRA.
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How Might Rising Interest Rates Affect Your Stock Investments?

The Federal Reserve's actions can have a marked influence on the economy and financial markets. For instance, some market analysts believe that the Fed's massive, multi-year bond-buying program coupled with a recordsetting period of near-zero interest rates fueled the six-year bull market for stocks. Now investors are awaiting news of when -- and by how much -- the Fed will raise short-term rates, and what that action might mean for stocks.1 While many market watchers have speculated about the effect of rising rates, history provides a window into how stocks have reacted to such policy shifts in the past.
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Do Alternative Asset Classes Belong in Your Portfolio?

Alternative investments are often defined not by what they are, but by what they are not. It is this quality that could make alternatives potentially valuable diversifiers when added to a portfolio of traditional investments.
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Searching for Yield in Today's Market

Income-oriented investors have had a tough go of it for the past several years. Persistently low interest rates have curtailed traditional sources of yield. Yet, by broadening their search criteria, investors may uncover new ways to diversify their income portfolios with potentially more attractive options.
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