Can You Protect Your 401(k) in a Down Market?

And, the 10 things you should think twice about buying in bulk at Costco. Created for {EMAIL} | [Web Version]( September 17, 2024 FOLLOW US:  [LinkedIn]( [Facebook]( [Instagram]( [A Step Ahead]( [SIGN UP](format=multipart) ⋅ [WEBSITE]( [] INTRODUCTION [] [Stepping Into Buying In Bulk At Costco]( When shopping at a big box store, you might think that food is the only purchase you should limit because it spoils — you’d be wrong. You should also avoid stocking up on several non-perishable items if you don’t want to waste more money than you were meant to have saved. My colleagues at Kiplinger prepared a [list of the 10 worst things to buy in bulk at Costco]( to help you save more money when shopping at Costco. Understanding that you might not use such large quantities before they spoil or expire is key to reducing waste. - Donna LeValley, personal finance writer [Advice to Help you Keep More of Your Returns]( Our advisors can help you focus on withdrawing your retirement money in a way that helps keep your taxes low. The less you pay in taxes, the longer your money can last. You've worked hard to build up a nest egg and Vanguard advisors are here to help. [LEARN MORE]( ADVERTISEMENT [] 401(k) ACCOUNTS [] [How to Protect Your 401(k) in a Down Market]( [How to Protect Your 401(k) in a Down Market]( (Getty Images) While there’s no way for investors who own stocks and bonds to avoid short-term losses when market volatility strikes, there are plenty of ways to buffer your portfolio from the brunt of the market storm and keep your retirement savings plan on track. Use these [four strategies to safeguard your nest egg]( and keep your retirement savings plan on track. [] INVESTING AND FED RATE CUTS [] [The Fed Is About to Cut Rates. What Should Investors Do?]( [The Fed Is About to Cut Rates. What Should Investors Do?]( (Getty Images) Everyone has to make financial adjustments when conditions change and investors may want to take stock of their portfolios once the Federal Reserve starts lowering interest rates. However, it should go without saying that interest rates are just one part of the equation for investors. Keep reading to [learn which areas and sectors of the market historically perform better in lower-rate environments](. [7 Reasons High-Net-Worth Individuals May Outlive Their Savings]( Those with $1 million or more in liquid assets may face unique challenges when it comes to preserving their wealth through retirement. Seeking guidance in these areas could potentially help reduce stress and help ensure you may be more likely to enjoy the retirement lifestyle you've been planning. [Learn more]( ADVERTISEMENT [] SAVINGS RATES [] [What a Fed Rate Cut Means for Savings]( [What a Fed Rate Cut Means for Savings]( (Getty Images) The Fed is meeting now, and most expect a cut to be announced tomorrow.. In fact, most central bankers expect one quarter-point cut to the federal funds rate this year, four more in 2025 and another four in 2026. Get ahead of the curve — learn [what a Fed rate cut will mean for savings rates]( and how that will impact your money in CDs, money market and high-yield accounts. [Get Started on Estate Planning with 10 Key Steps]( Start planning your future with this estate planning checklist. From naming beneficiaries to drafting a will, we cover key actions to take that reflect your goals and values. [READ MORE]( ADVERTISEMENT [] OTHER KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Wyndham bonus offer: 10 nights free]( Get bonus points with the Wyndham Earner Plus credit card, worth up to 10 nights free for a modest minimum spending requirement. [The 50-30-20 budget rule: A simple way to save money]( The 50-30-20 rule helps you determine exactly where your money is going each month, which in turn helps you make changes in your spending. [Why a 15-year mortgage could be the key to a larger nest egg]( Though monthly payments are higher, this option accelerates loan repayment and results in significant long-term savings. [Sign Up for Kiplinger's Free Tax Tips E-Newsletter for Money-Saving Tax Planning and]([Compliance Advice]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. 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