Balance your risks

Balance your risks

The Telegraph decodes why millennials invest in risky assets and how they can balance their portfolio Millennial investors have life goals that are significantly different from the ambitions and dreams of their parents. The way Indian millennials invest today is vastly different from the investment habits of people from Gen X, or the baby boomers before them. Where safer investments such as time deposits, gold and fixed income assets were popular among the latter, millennials today have a radically different approach.

In short, they are the risk takers. Recent data reveals that India’s millennials are investing in the stock market […]

Liz Weston: ‘Bridge’ your way to Social Security

Delaying the start of Social Security benefits is a powerful way for retirees to cope with inflation, survive bad investment markets and reduce the risk they’ll run short of money. The advantages of waiting are so great that financial planners often recommend their clients tap other savings, such as retirement funds, to help them delay claiming.

Employers could increase their workers’ financial security by offering a similar “bridge” strategy as part of 401(k)s and other workplace retirement plans, according to a study by the Center for Retirement Research at Boston College. The bridge strategy would tap a worker’s retirement account […]

White Horse Village Foundation takes on partners to expand charitable giving programs

White Horse Village Foundation takes on partners to expand charitable giving programs

White Horse Village in Edgmont Township. White Horse Village Foundation, Inc. a charitable organization to the active senior community White Horse Village located in Edgmont Township, announced partnerships with The Foundation for Delaware County and Philadelphia Foundation to expand its portfolio of giving programs.

Officials believe the partners’ expertise will expand legacy-giving offerings, including charitable gift annuities and personalized estate planning.

The first donor product introduced by the White Horse Village Foundation is charitable gift annuities, which offer individuals the ability to support a charity while financially benefiting themselves with tax deductions and guaranteed income for life.“The carefully selected nonprofit partners […]

NS&I Guaranteed Growth & Income Bonds return: are they any good?

NS&I Guaranteed Growth & Income Bonds return: are they any good?

NS&I has announced the return of two popular one-year fixed-rate savings deals, which will be available to all savers.

The Guaranteed Growth Bond will pay a rate of 4% AER while the Guaranteed Income Bond, which pays interest monthly, will pay 3.97% AER.

It’s the first time these particular one-year bonds have been on sale since 2019, and NS&I says the rates are the highest they’ve been since 2010.In truth, NS&I has been on something of a rate-hiking spree of late as it seeks to keep pace with the wider savings market.It has more than doubled the rate of its flagship […]

Annuity sales hit record last year, eclipsing sales during 2008 financial crisis amid fear, higher rates

Annuity sales hit record last year, eclipsing sales during 2008 financial crisis amid fear, higher rates

Tim Bieber | Photodisc | Getty Images

Amid stock market gyrations, recession fears and loftier payouts, consumers last year pumped a record sum of money into annuities, a type of insurance that offers a guaranteed income stream.

Buyers funneled $310.6 billion into annuities in 2022, according to estimates published by Limra , an insurance industry trade group.That figure is a 17% increase over the prior record set in 2008, when consumers purchased $265 billion of annuities. That year, the U.S. was in the throes of the Great Recession and the S&P 500 Index ultimately bottomed out with a 57% loss from […]

Factbox – Later retirement, guaranteed income: what’s in store for France’s pension reform?

Factbox – Later retirement, guaranteed income: what’s in store for France’s pension reform?

Factbox – Later retirement, guaranteed income: what’s in store for France’s pension reform? PARIS (Reuters) – President Emmanuel Macron’s plan to reform France’s expensive pension system, including raising the retirement age, has angered trade unions who are calling for a second day of nationwide strikes on Tuesday.

The unions’ protest movement is a test of Macron’s ability to push through change in his second term.

What’s in the plan?* The retirement age was pushed back by two years to 64. The change will be gradual, with an increase of three months per year from September until 2030.* From 2027, workers will […]

Cong leader RC Laloo & NPP MDC support Jowai AITC candidate

Cong leader RC Laloo & NPP MDC support Jowai AITC candidate

Shillong, Jan 28: Congress leader RC Laloo and NPP leader and Jowai North MDC Brightstar Chyrmang have extended support to the opposition All India Trinamool Congress (AITC) candidate from Jowai constituency Andrew Shullai.

They appealed to the people of the constituency to vote for Shullai at a meeting held at his residence here.

Laloo, who was the deputy chief minister and five-time Jowai MLA, said, “Andrew is full of hope. Let us choose hope – not only for this generation but for the future generation too. I told him to have determination in this fight for the people of Jowai. Let […]

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TMC will walk the talk on 10 pledges: Mukul

TMC will walk the talk on 10 pledges: Mukul

SHILLONG, Jan 27: The TMC on Friday assured the people that it would “walk the talk” and implement its ‘10 pledges’ made in the party manifesto.
“Meghalaya TMC takes pride in declaring that we launched the manifesto before other parties. For everyone who thinks about what we will do after forming the government in the state, we have promised 10 pledges covering education, health, infrastructure, opportunities for the traders, and other signature initiatives,” he told a gathering in Tikrikilla.
Taking a jibe at the MDA for running a puppet government, Sangma said, “This NPP-led MDA Government is being run […]

Universal Basic Income: Which US cities have these monthly payments?

Universal Basic Income: Which US cities have these monthly payments?

ANGELA WEISSGetty Universal basic income (UBI), sometimes known as guaranteed income, would provide a regular payment to citizens whether they were in work or not . Amounts vary but it would work as a direct debit to people’s accounts. The idea behind it is that it would decrease poverty and prevent homelessness by giving everyone money to subsist. Outside of raw economics it would give people the chance to work less and live more fulfilling lives in being able to choose jobs they want to do rather than what they have to do to survive.

“For the first time in […]