Life Events – Reaching Retirement – Napkin Finance %

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Cash Alternatives

Cash In

Cash alternatives are investment types that you can consider as alternatives to simply holding money in your...

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Active vs. Index Investing

Pick Sides

Active and index investing are two different ways of choosing individual investments. With active investing, investors try...

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Estate Tax

Death and Taxes

An estate tax is an amount that may be paid from your assets to the government after...

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Growth vs. Value Investing

Moves Like Buffett

Growth and value investing are two different approaches to investing in stocks. Growth investors aim to invest...

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Risk Tolerance

Appetite for Destruction

Risk tolerance describes how much risk you can (or should) be taking on with your investments. Investing...

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Paying For Retirement

Into the Sunset

Retirement may seem like an abstract, far-off goal (unless you’re already independently wealthy or a 401(k) ninja,...

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ESG Investing

Do the Right Thing

ESG investing means investing in companies that do good (or at least don’t actively do harm). With...

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Target-Date Funds

Bullseye on Retirement

A target-date fund is an investment fund that’s based on your expected retirement date. These mutual funds...

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Medicare

Free for All

Medicare is a health insurance program for retirees that is sponsored by the federal government. It is...

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Roth IRAs

Road to Retirement

A Roth IRA, or Individual Retirement Account, is one of the most common types of retirement savings...

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Rollovers

Roll With It

A rollover is when you move funds from one retirement account into another, such as from a...

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Retirement Savings for Contractors

Squirrel Away

If you’re a contractor, saving for retirement can be much more complicated than it is for employees....

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Asset Classes

Building Blocks

An asset class is a group of similar kinds of investments. It’s a generalization, not a detailed...

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Financial Planning

Ducks in a Row

Financial planning describes the process of mastering your money. It means figuring out where you actually are...

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Asset Allocation

Divide and Conquer

“Asset allocation” is a way of describing what you own in percentage terms. If you’ve got $1,000...

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IRA vs. 401(k)

Nest Eggs

IRAs and 401(k)s are two popular types of retirement savings accounts. Most people who work in the...

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Inflation

On the Up and Up

Inflation is when prices of things rise over time. For example, in 1980 you could buy a...

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Rebalancing

Move Your Assets

Know how self-help gurus are always talking about “finding the balance” in your personal life? That same...

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Revocable vs. Irrevocable Trusts

In Good Hands

A trust is a legal agreement allowing one person to transfer their assets to someone else via...

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Long Term Care Insurance

Senior Moment

Long-term care insurance is a policy that helps cover the cost of assistance with daily activities if...

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Municipal Bonds

One for the Road

A municipal bond, or muni bond, is a type of bond issued by a state or local...

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Charitable Remainder Trusts

Big Love

A charitable remainder trust is a financial tool that can provide a steady source of income while...

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Wills

For Love or Money

A Last Will and Testament, or “will” for short, is a legal document that lets you transfer...

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Dividends

Show Me the Money

A dividend is a portion of a company’s profits that is paid to its shareholders in the...

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Estate Planning

Bite the Dust

Estate planning is the process of figuring out what will happen to your stuff after you die....

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Index Funds

Copy That

An index fund is a professionally managed collection of stocks, bonds, or other investments that tries to...

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Reverse Mortgage

Can’t Take it With You

A reverse mortgage is exactly what it sounds like: instead of paying down a mortgage balance every...

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Mutual Funds

Join Forces

A mutual fund is a professionally managed fund that pools lots of investors’ money in order to...

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Philanthropy

Greater Good

Philanthropy is giving back. It’s paying forward the resources you have—whether your money, or physical goods, or...

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Fiduciary Duty

Your Best Interest

A fiduciary duty is a legal obligation to act in another person’s best interest.

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Trustee

Handle With Care

A trustee can be an institution or an individual that is given the power to manage and...

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CDs

On Principal

Certificates of Deposit, or CDs, are low-risk investments that pay interest. You can think of them as...

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Annuities

Nest Egg

An annuity is a series of regular payments made over a set period of time. Annuities can...

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Power of Attorney

More Power to You

A power of attorney is a document you can create if you want to give someone else...

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Social Security

Safety Net

Social Security is a government program that takes in taxpayer dollars and pays out benefits to older...

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Trusts

Pennies From Heaven

A trust is a legal document that allows a person (the trustee) to hold the assets of...

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Investing

Piece of the Pie

Investing is putting your money to work in the hopes of earning a return. You probably already...

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Blue Chips

Steady Eddy

A blue chip is a company that is financially sound and well established. These companies usually sell...

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