You probably hadn’t noticed it but the Securities & Exchange Commission (SEC) just shortened the trading settlement period for securities. As of May 28, 2024 all U.S. securities must settle within one day. What does this mean and how will it affect you? Whenever you buy or sell a stock, bond, mutual fund, or other…
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The Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance trust funds just released their 2024 annual report. In layman’s terms these are the two sources of reserves that support Social Security (SS) and SS disability insurance (SDI). You may already have heard the bad news in the media about…
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The American College of Financial Services (The College) has been producing a Retirement Income Literacy Study every three years since 2014. The latest one, completed in 2023 and unveiled two months ago, paints a disquieting picture of the knowledge level of retirees and pre-retirees when it comes to the various sources of retirement income and…
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That’s the title of an article that I wrote back in 2020 (https://www.cognizantwealth.com/2020/07/22/is-the-stock-market-overly-concentrated-today/) when the market capitalization of the top ten stocks in the overall U.S. stock market topped 20% (30% of the S&P 500 index). Today the contribution of the top ten stocks has climbed to 32% of the S&P 500’s market cap. The…
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Daniel Kahneman (Danny to his friends) passed away last month at the age of 90. He was a psychologist and researcher who applied psychology to economic analysis with his close friend and collaborator Amos Tversky. The resultant field of behavioral economics has grown over the years to become an integral part of good financial planning.…
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There’s no question that having a college degree increases your potential job opportunities and associated earnings potential. According to the U.S. Bureau of Labor Statistics (BLS), in 2022 the median wages of four-year college graduates age 25 and older was over 60% higher than for workers with only a high school diploma. But the decision…
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