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El estadounidense promedio debe unos $92,000, entre deudas de tarjetas de crédito, préstamos estudiantiles e hipotecas. Reunimos los consejos de varios asesores financieros para ayudarle a elegir la estrategia de pago mejor en cada caso.
10 Retirement Planning Mistakes People Make at 50
Take inventory of your assets and your strategy, or you could regret it later
by Patrica Amend, AARP, May 11, 2021 |
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Image Source / Getty Images
Reaching age 50 is a milestone that most of us celebrate. Still, after you’ve blown out the candles and bid farewell to your guests, you may have a headache from too much champagne, but otherwise feel the same as before.
Wake up! This is the time to reassess and make sure that your financial plan is in order. If you push it off until later, you may make serious mistakes that will jeopardize your future financial security.
Rising inflation? No problem for fans of emergency cash
Financial advisers continue to recommend hefty cash reserves yielding almost nothing and losing ground to inflation, under the premise that safety trumps yield.
April 27, 2021 3 MINS
Even with yields unable to keep pace with inflation, most financial advisers are holding firm in support of liquid, emergency cash allocations.
“The most important characteristic of holding cash is not return but safety and stability,” said Christopher Lyman, financial planner at Allied Financial Advisors.
“Cash is for if things go sideways and you need to pay for something without putting it on the credit card or selling assets that have currently taken a loss, or as a means of taking advantage of buying at a deep discount when a market correction or crash occurs and everyone else is scared,” he added. “With that being said, stability and liquidity are more important for your cash reserves than return, so I st