Women and Pensions: What You Need to Know

Women face a greater risk of poverty in old age than men. One important reason is that women are less likely than men to receive adequate pensions. The more you understand about pensions now, the greater your chances of beating …

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Callable CDs: Read the Small Print

Certificates of deposit (CDs) are an attractive saving instrument for individuals seeking a low-risk investment that can be converted into cash fairly readily. CDs require an investment for a fixed period of time such as six months, one year, five …

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Glossary of 401(k) and Pension Terms

Here is a brief explanation of commonly used pension and savings terms: Annuity:  Regular payments of income (usually monthly) over a specified period of time (often for life). The purpose is to provide a steady stream of income. Beneficiary:  The …

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Dollar-Cost Averaging

Dollar-cost averaging is a big term for a fairly simple concept.  If you buy a set dollar amount of stocks or stock mutual funds at regular intervals (e.g., every month or every quarter), you’re using the dollar-cost averaging technique. For …

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Making Investment Choices – Risk and Return

Risk and return are part of the same equation when you are investing. RISK: When you invest in a stock, bond or mutual fund, you are taking a risk that those investments might decline in value. In other words, you …

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