Citigroup raises the rating of US stocks, buoyed by the artificial intelligence boom and the flexible economy

Posted: May 26, 2023 at 12:55 PM ET Citigroup strategists raised their recommendation on US stocks to Neutral from bearish as recent developments in artificial intelligence (AI) boost technology stocks, while indications that the Federal Reserve is nearing the end of its rate hike cycle are also expected to push stocks. American supremacy. While price … Read more

My husband passed away and she sent me HSA money. Do I have to pay taxes on it?

Posted: May 19, 2023 at 2:05 PM ET Dear Dan, My husband passed away on November 5th, 2022 and left no will, so I have established an estate with an EIN, and I am in charge as of December 5th, 2022. I found a health savings account in which I contacted HSA and after many … Read more

Future returns: Wealthy families tend to take riskier investments

One of the biggest differences between most investors and the multimillion-dollar family office is the latter’s ability to take on more risk, often by investing more money in long-term, less liquid investments. A survey of its richest families by Goldman Sachs last January—and recently released—revealed that 44% of their holdings are in alternatives, an allocation … Read more

Does it matter if your Social Security checks are late?

Posted: May 15, 2023 at 2:50 PM ET With Congress likely to fail to raise the debt ceiling and Social Security benefits likely not being paid in a timely manner, one obvious question is whether it is important for people to get their check a few days, a week, or a couple weeks later. From … Read more

I am 65 with over $5 million in savings and am on the brink of RMD disaster

Do you have a question about investment mechanics, how they fit into your overall financial plan and what strategies can help you get the most out of your money? You can write to me at I think I have an uncommon problem. I am 65 years old, recently retired Education Administrator. I think I … Read more

What happens to Social Security payments if no debt limit is reached?

Failure to reach an agreement on the debt-ceiling crisis would send the US into perilous territory and could mess up the Social Security payments of nearly 70 million recipients. US Treasury Secretary Janet Yellen said on Monday that the US government may exhaust its ability to pay its bills as early as June 1 if … Read more

The confrontation with the debt ceiling will create panic in the stock market. How to benefit from it.

Oprah began to flip. Instead of panicking that the US government might run out of money in early June, do something more than watch TV and complain about America’s poisoned politics. Long-term investors can monetize these increasingly widespread fears that America may default for the first time ever by using options to boost positions in … Read more

Why is everyone so concerned about retirement? It feels like 2008 again.

In April 2022, when I looked through the 2022 Annual Employee Benefits Research Institute Favorite Retirement confidence surveyFor most working and retired Americans, the prospect of retirement felt like having a good time on a picnic but starting to see storm clouds on the horizon. Now, the 2023 poll is out. The storm has arrived. … Read more

Opinion: Why Emerging Market Index Funds Are Mad

I don’t want an emerging market index fund in my portfolio and I don’t care who knows it. There is nothing fundamentally wrong with investing in emerging markets. (A new paper from the numbers experts at hedge fund firm AQR argues that they look like a great investment right now — we’ll talk more about … Read more