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category_outlined / Business & Finanz
Kiplinger's Personal FinanceKiplinger's Personal Finance

Kiplinger's Personal Finance November 2018

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).

United States
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CHF 11.88
12 Ausgaben


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being mustachian

About a year ago, I got an e-mail from a reader with a suggestion for reaching younger readers. He was barely 40 himself, he said, and had been reading Kiplinger’s since he was a teenager. He credited this magazine with much of his financial success—starting a business when he was 18, buying a farm when he was 22, putting away 20% to 30% of his gross pay each year and paying off his mortgage early. But he said younger people these days are searching for ways to pay their student loans and mortgages more quickly and save more, often with profits from a side business. “If you were to include an article or two about FIRE—financial independence, retire early—each month,” he wrote, “it would appeal to more people in their twenties…

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hold on to your bonds?

Staying in bonds while they lose value is not a positive strategy (“Income Investing,” Sept.). Why not move such funds to tax-free money market funds until bonds recover? Earning something positive that’s untaxed by your state and federal government is better than gaining taxable income yet losing overall value. RICHARD L. GONGWER MARION, IND. EDITOR’S NOTE: Market timing in bonds is no more effective or achievable than it is in stocks, real estate or any other asset class. Bonds are a point or two in the red for 2018, but we don’t expect intermediate- and long-term interest rates to advance much from current levels, meaning bonds are unlikely to lose more value. That said, yields on cash are ticking up, and putting new cash in the bank is reasonable (see “Income Investing,” on…

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what the midterms mean to you

AS AMERICANS HEAD TO THE polls this month, it’s probably safe to say that the outcome of the 2018 midterm elections will be among the most closely watched in memory. But, politics aside, what should investors be on the lookout for? If history is a guide, Americans can expect a power shift in Congress. But history also shows that whether your party is victorious or not, your portfolio is likely to survive the midterms unscathed—and maybe a little ahead. “There’s so much focus on the midterms because of the polarized nature of the electorate,” says Mike Ryan, chief investment officer for the Americas at UBS Global Wealth Management. “Elections matter, but they’re not the only thing and not the most important thing” for stocks, Ryan says. Incumbent parties tend to lose ground…

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secrets of the 401(k) millionaires

The number of 401(k) accounts with a balance of $1 million or more rose to a record 168,000 in the second quarter, an increase of 41% from a year earlier, according to Fidelity Investments, the nation’s largest plan administrator. Although that’s only a small percentage of 401(k) participants, there were other positive developments. The average 401(k) account balance rose 6% from a year earlier, to $104,000, and the average balance in individual retirement plans, which allow workers to save even if they don’t have a workplace plan, rose to $106,900, up nearly 7%. The bull market contributed to the growth, but it wasn’t the only factor, says Meghan Murphy, a vice president at Fidelity Investments. Contributions are up, too. The average savings rate, which includes employee savings and company matching funds,…

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who wants to be a 401(k) millionaire?

Here’s how much you need to save each month, including the match from your employer (if you get one), to accumulate $1 million in your retirement savings plan by age 65. AGE 25 Average balance: $14,400 Monthly savings to reach $1 million: $320 AGE 35 Average balance: $54,700 Monthly savings to reach $1 million: $500 AGE 45 Average balance: $118,600 Monthly savings to reach $1 million: $1,060 AGE 55 Average balance: $193,500 Monthly savings to reach $1 million: $3,600* *Because of limits on contributions, most workers with this average balance would need to make additional contributions to an IRA and a taxable account. Note: Based on average 401(k) balances for participants in plans managed by Fidelity Investments. Assumes a 7% annual return.…

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the problem with quarterly reports

Charles K. Whitehead is a professor at Cornell Law School who specializes in corporations, financial markets and business transactions. President Trump recently asked the Securities and Exchange Commission to study whether publicly traded companies should report earnings on a six-month basis. What’s the problem with quarterly reporting? You manage what you measure. When you’re assessed on three-month results, you’re going to focus on hitting three-month numbers. Company executives don’t think about three years down the line; they think about the company three months down the line. That’s not very healthy. Would a move to six-month reporting reduce short-term thinking? It could help. Reviewing and signing off on the Form 10-Q, getting on the phone with reporters, dealing with the brouhaha of press reports and analyst commentary—all of that chews up time. Having…