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A Mega Backdoor Roth 401(k) is a strategy that can boost your retirement contribution up to $69,000 a year—all through a “backdoor” approach that works around the restrictions of Roth accounts. Instead of contributing directly to a Roth, you can contribute to your 401(k) and then convert it to a Roth 401(k), regardless of your ... Read more
It’s easy to feel a mix of relief and confusion when headlines announce that interest rates are dropping. You might be wondering if this is finally the time to buy that home or if your hard-earned savings will stop growing. Let’s take a deep breath and look at how these changes actually impact your wallet ... Read more
Real estate investments have a number of challenges, including poor business conditions and unattractive prices.
Imagine an account that offers not just one, not just two, but three tax advantages. Yes, it exists and it’s your health savings account (HSA). It’s the only account that exists that offers three potential tax benefits. Despite such incredible benefits, surprisingly few people fully capitalize on this opportunity and almost 90% don’t take advantage ... Read more
It sets you up for retirement. And it offers some big tax benefits. If your employer offers a 401(k) plan, we strongly recommend jumping on the opportunity. creating an account. First, what’s a 401(k) account? It’s a type of retirement account run by employers. Basically, it lets you set aside a portion of your paycheck ... Read more
The term “estate planning” often conjures up images of the lifestyles of the rich and famous, complete with yachts, private jets, and mansions. It’s easy to feel like you only need to worry about this if you have a literal estate with manicured gardens. But the truth is much simpler. This process is about making ... Read more
Smaller company stocks have outperformed their larger peers by a historic degree so far in July. This episode illustrates that diversification isn't just about risk management, but also about driving returns. Here we discuss why smaller companies are surging, what it will take for this trend to persist and how what this moment teaches us about portfolio construction.
In this week's Investor Newsletter, we review the week that was. Nvidia and other AI-related stock drops, what does that mean for the broader market? And inflation keeps falling, is the Fed finally ready to cut rates? Plus we do a deeper dive into how Facet approaches forecasting market events.
Despite multi-decade highs in mortgage rates, home prices keep rising. This has made a house unaffordable for many. Is there any relief in sight? We dive into the state of the real estate market, including everything from home prices to rental rates to real estate investing.
Your once-a-year opportunity to analyze your benefits and make the choices that will be best for the coming year.
You've likely considered merging your retirement accounts before but never followed through. Here's why it might be a good idea, and how to do it.
This investor newsletter covers all the things Facet's Chief Investment Officer is watching right now, pro insights, and details on how Facet portfolios are currently positioned.