Retirement’s Go-Go, Slow-Go and No-Go Years, Life Insurance’s Three Lifelines, Should You Enroll in Medicare if You Still Have a Job?

How to Protect Yourself from a Romance Scam | Are Bonds Back? A Fresh Look at Fixed Income in 2024 | Three Big Ways That Life Insurance Can Be a Lifeline Created for {EMAIL} | [Web Version]( March 31, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Personal Finance [] [How to Protect Yourself from a Romance Scam]( [How to Protect Yourself from a Romance Scam]( (Getty Images) Romance scams that target older adults are rising. Attorney Patrick Simasko offers some tips to help you [avoid falling for a scam](, especially when a scammer tries to prey on your affection. [] Bonds [] [Are Bonds Back? A Fresh Look at Fixed Income in 2024]( [Are Bonds Back? A Fresh Look at Fixed Income in 2024]( (Getty Images) With interest rates poised to possibly start falling, financial expert Adam Lampe suggests investors might consider shifting to longer-term fixed-income securities to [lock in higher yields](. [Best Compounding Interest Investments in Preparing for Retirement]( If you invested in an S&P 500 index fund starting in January 2000 until September 2020 your average annualized return would have been 4.2%, a cumulative return of 136%. But if you reinvested all dividend payments your annualized return would have been 6.2%, a cumulative return of 247%. Just reinvesting dividends would have nearly doubled your gains. [READ MORE]( ADVERTISEMENT [] Insurance [] [Three Big Ways That Life Insurance Can Be a Lifeline]( [Three Big Ways That Life Insurance Can Be a Lifeline]( (Getty Images) Life insurance not only provides a safety net for loved ones and leaves behind a lasting legacy, but the cash value can also help during [financial hardship](. Insurance expert Steve Sugumele notes three ways it can especially be a lifeline. [] Medicare [] [Should You Enroll in Medicare if You Still Have a Job?]( This question is being asked more than ever these days, so here's what financial planner Jae W. Oh says you can do when it comes to making Medicare decisions while you're still working. [Read More]( [Actions to Consider for Your 401(k) When Switching Jobs]( Starting a new job can be exciting. An important aspect of your transition is deciding what to do with your 401(k) plan. There are multiple options for what to do based on your financial and retirement goals. [READ MORE]( ADVERTISEMENT [] Retirement Planning [] [Planning for Retirement's Go-Go, Slow-Go and No-Go Years]( When retirement planning, it's best to expect to do the big (and more expensive) stuff early on, when you're healthier, then slow things down as you get older. Investment adviser Scott M. Dougan offers a framework for how to ramp up and then wind down your retirement years. [Read More]( [Is your money working hard enough?]( It should be! Learn how Betterment's automated investing and savings technology can make your money hustle, while you don't. [LEARN MORE]( ADVERTISEMENT [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Wealth transfer is about more than just money]( Families have many forms of capital beyond their money. Here are five of them, plus ways to easily 'transfer' them to younger generations. [How gig workers can prepare their estate and financial plans]( Freelancers have to be vigilant to keep track of where their money goes, whether it's to cover daily necessities, saving for retirement or other expenses. [Should a donor-advised fund be part of your estate plan?]( A donor-advised fund, or DAF, lets the donor reap tax benefits while also being able to direct how the money is distributed and invested. 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