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☆ How to manage a big retirement risk amid health-care inflation
▼ + stars: | 2023-06-02 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Geber86 | E+ | Getty ImagesThere are plenty of risks for retirees — and those risks may compound by the rising cost of health care in retirement. There's also a higher likelihood of retirees needing medical care as they grow older. A 65-year-old couple who retired in 2022 will spend an average of $315,000 in health-care costs throughout retirement, not including long-term care, according to Fidelity Investments. Of course, every retiree's costs will be different, said certified financial planner Anthony Watson, founder and president of Thrive Retirement Specialists in Dearborn, Michigan. "The best way to plan for health-care costs is to learn how to be a good health-care consumer," said McClanahan, who also is a physician and member of CNBC's Advisor Council.

Persons: it's, There's, Anthony Watson, Carolyn McClanahan, McClanahan Organizations: —, U.S . Bureau of Labor Statistics, Fidelity Investments, Morgan, Planning Partners Locations: Dearborn , Michigan, Jacksonville , Florida

"We've got this window of low taxes here," said certified financial planner Dan Galli, owner at Daniel J. Galli & Associates in Norwell, Massachusetts. Former President Donald Trump's signature tax overhaul temporarily shifted individual income tax brackets by reducing the rates and applicable income levels. "It's a fascinating time to look at how you want to blend or sequence your income in retirement," Galli added. If you're 59½ or older, you can start taking withdrawals from pre-tax retirement plans without incurring a penalty. While you'll still owe regular income taxes, those rates may be lower through 2025, he said.

[1/2] A notice hangs on the door of Silicon Valley Bank (SVB) located in San Francisco, California, U.S. March 10, 2023. "Silicon Valley Bank cannot be allowed to fail given the vital community it serves," Bank of London co-founder and CEO Anthony Watson said. But an executive at a major UK bank said it was unlikely a high street lender would buy SVB UK because its credit products would not be a good fit for a mainstream bank. EXISTENTIAL THREATMore than 250 UK tech firm executives signed a letter addressed to Hunt on Saturday calling for government intervention and warned of an "existential threat" to the UK tech sector, a copy seen by Reuters shows. Sunak has said he wants to turn Britain into the "next Silicon Valley".

March 12 (Reuters) - Bank of London has tabled an offer to Silicon Valley Bank UK, SVB's subsidiary, the company said on Sunday, adding that it had sent the proposals to British authorities, including the Treasury and the Bank of England. Bank of London, a clearing bank, is leading a consortium of investors including private equity funds, which has submitted what it described as formal proposals. "Silicon Valley Bank cannot be allowed to fail given the vital community it serves," Bank of London co-founder and CEO Anthony Watson said in a statement. "This is a unique opportunity to ensure the UK has a more diversified banking sector, whilst allowing continuity of service to SVB's UK client base," he said. Unlike other financial institutions, Bank of London does not lend and holds all of its deposits with the Bank of England.

☆ Some Treasury bills are now paying 5%. Here's what investors need to know
▼ + stars: | 2023-02-23 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

T-bill yields have been low since the Great Recession, with the exception of 2018. Currently, shorter-term Treasury yields are higher than longer-term yields, which is known as an inverted yield curve. How interest rates affect bond valuesAnother factor to consider is the current economic environment, including future moves at the Fed. Although it's expressed in years, it's different from the bond's maturity since it factors in the coupon, time to maturity and yield paid through the term. "It's always the Fed; the Fed controls short-term interest rates," said David Enna, founder of Tipswatch.com, a website that tracks Treasury inflation-protected securities and other assets.

☆ It's been a volatile year for the market: These are the key things to know before rebalancing your portfolio
▼ + stars: | 2022-11-29 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

After a volatile year for the stock and bond markets, it may be time to rebalance your portfolio by shifting assets back to match your original goals, according to experts. As of Nov. 28, the S&P 500 Index was down roughly 17% year-to-date, and the U.S. bond market has dropped by around 13%, leaving many investors with significantly different allocations than one year ago. Typically, you choose an initial percentage of stocks, bonds and other assets based on risk tolerance and goals, said certified financial planner Anthony Watson, founder and president of Thrive Retirement Specialists in Dearborn, Michigan. More from Personal Finance:3 lesser-known ways to trim your 2022 tax bill or boost your refundHere's how the BlockFi bankruptcy may affect your crypto taxes for 2022What to know about the latest payment pause extension on student loansBut as the markets fluctuate, the allocation of each type of asset may shift, and without periodic rebalancing, "the portfolio starts to look very different," he said. For example, if your target is 50% stocks and 50% bonds, those percentages could eventually drift to 70% stocks and 30% bonds, which is "far riskier" than the original allocation, Watson said.

☆ This short-term investment hasn't looked as attractive since 2007
▼ + stars: | 2022-10-20 | by ( Patti Domm | In | ) www.cnbc.com time to read: +2 min

Just like their longer duration brethren, the yields on short-term Treasury bills have been ripping higher. The yield on the 3-month Treasury bill, for example, stood at 3.99% Thursday, the highest since 2007. The 1-month Treasury bill was yielding about 3.14% Thursday, while the 6-month bill was yielding 4.45%. To put that in perspective, the 30-year Treasury bond was yielding 4.16% Thursday. Bond yields move opposite to price, so if investors buy a bond or bill, and interest rates rise, they could lose principal.

☆ How to make inflation-protected bonds work in your portfolio as interest rates rise
▼ + stars: | 2022-10-12 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

It's been a tough year for bonds, including Treasury inflation-protected securities, or TIPS, an inflation-linked asset. Despite recent losses, TIPS offer portfolio diversification amid market uncertainty, experts say. However, bond values and market interest rates move in opposite directions, making TIPS values drop as the Federal Reserve has hiked rates. However, TIPS have outperformed the S&P 500 Index , which is down nearly 24% over the same period. TIPS — particularly TIPS funds with shorter average maturities — have offered a cushion amid double-digit losses for the stock and bond markets, he said.

☆ Fed rate hikes have made some corporate bonds very attractive. How to profit from it
▼ + stars: | 2022-09-27 | by ( Patti Domm | In | ) www.cnbc.com time to read: +5 min

As stocks sink and interest rates rise, investors are getting more excited about corporate bonds than they've been in a generation. One side effect of Federal Reserve tightening policy is it has made interest rates go up everywhere — including in the corporate bond market. The way we choose to access corporate bonds is through a highly diversified low cost index fund and part of the reason for that is when it comes to corporate bonds, there's more difficulty with them than with government bonds," he said. Playing through funds A fund that tracks short-term corporates is the SPSB, SPDR Portfolio Short Term Corporate Bond ETF . There is also the Vanguard Short-Term Corporate Bond ETF VCSH , which tracks a corporate bond index, is off 8.5% this year.

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