Some of the best investing and personal finance articles from around the web.
When paying more tax — not less — is the smart play (Wall Street Journal). Strategically accelerating income in order to pay less tax over your lifetime.
Donors are down, but dollars are up — how US charitable giving is changing (The Conversation). Is the higher standard deduction to blame for the decrease in donors?
What if stocks only rise 3%? (The Retirement Manifesto). For retirees, it’s an especially important question.
One of tax return filing season’s biggest risks isn’t an IRS audit (CNBC). How to keep yourself safe from tax-identity theft.
Why health savings accounts (HSAs) aren’t always worth the ‘triple tax savings’ advantage (Kitces). For some people, traditional health plans (not the high-deductible plans required in order to have an HSA) may offer a better balance of savings and healthcare coverage.
The perils of line-item thinking (Behavioral Investment). In a diversified portfolio, it’s possible to overthink one particular holding.
Morningstar’s retirement income research: reevaluating the 4% withdrawal rule (Morningstar). Your optimal withdrawal rate is probably more nuanced than a straight 4%.
Schwab expands 24-hour trading to all its retail clients (Think Advisor). The move to 24-hour trading seems to have been prompted, in part, by pandemic-era buying and selling. See also, Why Schwab’s 24-hour trading might be a bad idea for investors (Morningstar).
Protect your brokerage accounts from ACATS transfer fraud (The Finance Buff). If you ever have to transfer funds from one broker to another, there’s yet another type of fraud you need to protect yourself against.
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