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Kiplinger's Personal Finance

Winter 2022
Magazine

Written to help you do a better job of managing your personal and family financial affairs and to help you get more for your money. You get ideas on saving, investing, cutting taxes, making major purchases, advancing your career, buying a home, paying for education, health care and travel, plus much, much more. Special issues cover the latest information about car buying (December) and Mutual Funds (March and September).

Smart Planning Is Key

Kiplinger’s Retirement Planning

Kiplinger.com • FREE, TRUSTED RETIREMENT PLANNING ADVICE AT YOUR FINGERTIPS YEAR-ROUND

A Retirement Checklist • WHETHER THE DAY YOU STOP WORKING IS A DECADE AWAY OR AROUND THE CORNER, THESE TO-DO ITEMS WILL HELP YOU RETIRE ON YOUR OWN TERMS.

Take Advantage of a Drop in Income

Consider Keeping Your Mortgage

A BUDGET WORKSHEET FOR RETIREMENT • Use this worksheet to estimate your retirement expenses.

Create a Bucket System

The most critical stretch of your investment lifetime is retirement • You can’t save and invest for your non-working years the same way you did when you were 25. That’s why, when you want to begin planning for this phase of your life, you turn to the experts. America’s Retirement Experts provide the skills and experience to design the correct strategies for you to get the most from your later years.

Make Sure You’re On Track • USE OUR WORKSHEET TO CRUNCH THE NUMBERS AND SEE IF YOU NEED TO BOOST HOW MUCH YOU’RE SAVING.

How Much You Need to Save to Reach Your Goal • Use the following tables in conjunction with the step-by-step directions in the story to fill out the worksheet at right.

Before You Move, Check Out State Taxes • WHERE YOU LIVE CAN HAVE A BIG IMPACT ON YOUR RETIREMENT INCOME.

OUR METHODOLOGY

Your Guide to Roth Conversions • CONVERTING A TRADITIONAL IRA TO A ROTH CAN LOWER FUTURE TAX BILLS, BUT WATCH FOR UNEXPECTED UP-FRONT COSTS.

How to Contribute to a Roth

Get Your Retirement Back on Course • EVEN THE MOST DILIGENT RETIREMENT SAVERS CAN ENCOUNTER OBSTACLES. WE’LL HELP YOU COME UP WITH A RECOVERY PLAN.

How to Find the Right Adviser • FINANCIAL ADVICE COMES IN MANY FORMS. HERE’S HOW TO CHOOSE THE BEST PLANNER FOR YOU.

A STRAIGHTFORWARD INCOME? INVEST IN HIGHWAYS. • Discover why now may be a good time for municipal bonds

Boost Your Retirement • OUR PLAN WILL HELP KEEP YOUR SAVINGS ON COURSE.

Shield Your Portfolio From Inflation • Use our picks to hedge against rising prices that can eat into your investment returns.

Create a Portfolio With the Kiplinger 25 • THESE ACTIVELY MANAGED FUNDS WILL HELP YOU REACH YOUR SAVINGS GOALS.

Creating a Mix That Works for You • Use the models below as a starting point for your own portfolio. Tweak where necessary. Beef up your stocks if you want to be more aggressive, or increase the bond portion of your portfolio if you’re risk-averse.

KEY FACTS ABOUT OUR FAVORITE MUTUAL FUNDS • Although your eyes are likely to land first on the performance figures, don’t underestimate the importance of fees. No one can guarantee future results, but fees are one thing you can control. Only three of our picks—all of them foreign stock funds—charge more than 1% a year.

Build a Bond Ladder • USE THESE ETFS TO NAVIGATE A TRICKY MARKET AND MANAGE CASH FLOW.

Limit Losses With These ETFs • THE CATCH: YOU’LL GIVE UP SOME GAINS IN RETURN.

Pick the Best Funds in Your Plan • USE OUR RANKINGS TO MAKE THE MOST OF YOUR 401(K).

The 75 Biggest 401(k) Funds • The funds below, listed alphabetically, hold most of the trillions of dollars that Americans have invested in workplace savings plans, according to financial data firm BrightScope.

How to Create Income for Life • ENJOY...


Expand title description text
Frequency: Monthly Pages: 108 Publisher: Kiplinger Edition: Winter 2022

OverDrive Magazine

  • Release date: November 16, 2021

Formats

OverDrive Magazine

Languages

English

Written to help you do a better job of managing your personal and family financial affairs and to help you get more for your money. You get ideas on saving, investing, cutting taxes, making major purchases, advancing your career, buying a home, paying for education, health care and travel, plus much, much more. Special issues cover the latest information about car buying (December) and Mutual Funds (March and September).

Smart Planning Is Key

Kiplinger’s Retirement Planning

Kiplinger.com • FREE, TRUSTED RETIREMENT PLANNING ADVICE AT YOUR FINGERTIPS YEAR-ROUND

A Retirement Checklist • WHETHER THE DAY YOU STOP WORKING IS A DECADE AWAY OR AROUND THE CORNER, THESE TO-DO ITEMS WILL HELP YOU RETIRE ON YOUR OWN TERMS.

Take Advantage of a Drop in Income

Consider Keeping Your Mortgage

A BUDGET WORKSHEET FOR RETIREMENT • Use this worksheet to estimate your retirement expenses.

Create a Bucket System

The most critical stretch of your investment lifetime is retirement • You can’t save and invest for your non-working years the same way you did when you were 25. That’s why, when you want to begin planning for this phase of your life, you turn to the experts. America’s Retirement Experts provide the skills and experience to design the correct strategies for you to get the most from your later years.

Make Sure You’re On Track • USE OUR WORKSHEET TO CRUNCH THE NUMBERS AND SEE IF YOU NEED TO BOOST HOW MUCH YOU’RE SAVING.

How Much You Need to Save to Reach Your Goal • Use the following tables in conjunction with the step-by-step directions in the story to fill out the worksheet at right.

Before You Move, Check Out State Taxes • WHERE YOU LIVE CAN HAVE A BIG IMPACT ON YOUR RETIREMENT INCOME.

OUR METHODOLOGY

Your Guide to Roth Conversions • CONVERTING A TRADITIONAL IRA TO A ROTH CAN LOWER FUTURE TAX BILLS, BUT WATCH FOR UNEXPECTED UP-FRONT COSTS.

How to Contribute to a Roth

Get Your Retirement Back on Course • EVEN THE MOST DILIGENT RETIREMENT SAVERS CAN ENCOUNTER OBSTACLES. WE’LL HELP YOU COME UP WITH A RECOVERY PLAN.

How to Find the Right Adviser • FINANCIAL ADVICE COMES IN MANY FORMS. HERE’S HOW TO CHOOSE THE BEST PLANNER FOR YOU.

A STRAIGHTFORWARD INCOME? INVEST IN HIGHWAYS. • Discover why now may be a good time for municipal bonds

Boost Your Retirement • OUR PLAN WILL HELP KEEP YOUR SAVINGS ON COURSE.

Shield Your Portfolio From Inflation • Use our picks to hedge against rising prices that can eat into your investment returns.

Create a Portfolio With the Kiplinger 25 • THESE ACTIVELY MANAGED FUNDS WILL HELP YOU REACH YOUR SAVINGS GOALS.

Creating a Mix That Works for You • Use the models below as a starting point for your own portfolio. Tweak where necessary. Beef up your stocks if you want to be more aggressive, or increase the bond portion of your portfolio if you’re risk-averse.

KEY FACTS ABOUT OUR FAVORITE MUTUAL FUNDS • Although your eyes are likely to land first on the performance figures, don’t underestimate the importance of fees. No one can guarantee future results, but fees are one thing you can control. Only three of our picks—all of them foreign stock funds—charge more than 1% a year.

Build a Bond Ladder • USE THESE ETFS TO NAVIGATE A TRICKY MARKET AND MANAGE CASH FLOW.

Limit Losses With These ETFs • THE CATCH: YOU’LL GIVE UP SOME GAINS IN RETURN.

Pick the Best Funds in Your Plan • USE OUR RANKINGS TO MAKE THE MOST OF YOUR 401(K).

The 75 Biggest 401(k) Funds • The funds below, listed alphabetically, hold most of the trillions of dollars that Americans have invested in workplace savings plans, according to financial data firm BrightScope.

How to Create Income for Life • ENJOY...


Expand title description text