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There are many misconceptions about investing. One is that the terms ‘growth’ and ‘return’ are synonymous. They are not. Total return is a sum of two things: income plus growth, as illustrated in the formula: TR=I+G. To break it down further, growth comes in the form of capital appreciation, while income is generated through interest

In survey after survey, the top financial fears among older Americans are almost always the same. They include things like: Not having saved enough for retirement. Having high medical bills. Another stock market crash. But for retirement savers and retirees alike, there is one worry that stands out above the rest: the possibility they may

After more than a decade of hovering at normal-to-below-average levels, inflation became a hot topic again in 2021 when it rose to over 4%. By March 2022, it had hit a 40-year high of 8.5%. This prompted the Federal Reserve to take its usual course of action to combat inflation: raising short-term interest rates. Over