Some of the best investing and personal finance articles from around the web.
- When secular trends reverse (Compound Advisors). A vivid picture of what is often hard to see — how the market is changing.
- How Covid-19 rebooted retirement (Financial Times). The pandemic has provided a real-time test of retirement preparedness for some and has caused others to reassess their plans.
- Indirect Roth IRA contributions: backdoor or trapdoor? (Morningstar). It all depends on whether you have, or will soon have, other IRAs.
- The Dow Jones under Donald Trump (The Reformed Broker). It’s hard to separate all of the moving parts that move the markets, but this is still an interesting comparison between presidential terms. Here’s a more detailed look from LPL Financial.
- Retirement gambit (Humble Dollar). More nuances in managing traditional and Roth IRAs, while weighing the costs and benefits of conversions.
- A responsible version of market-timing (Morningstar). Has the market made your optimal asset allocation not so optimal?
- Real return is all that matters (Retirement Field Guide). Something to keep in mind in the midst of forecasts for lower equity returns, but it comes with a big caveat.
- The estate tax may change under Biden, affecting far more people (NY Times). Changes may not happen in the immediate future, but “the tax code could be modified in a way that affects everyone who has something of value to leave to heirs.”
- Spending more than 4% per year can be safe (Oblivious Investor). In fact, it may be “the safest thing to do.”
- Three ways a donor-advised fund pushes the limits on giving (The Rich Fool). A good, first-hand account of the benefits of a donor-advised fund.
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