Put Retirement Eggs in These 3 Baskets, Equal Inheritances Don't Always Work, Expecting a 12% ROI Is Dangerous

Five Financial To-Dos to Help You Stay on Track in 2024 | An 'Equal' Inheritance for All the Kids Doesn't Always Work | Retired or Nearly Retired? Time to Focus on Risk Reduction Created for {EMAIL} | [Web Version]( January 14, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Personal Finance [] [Five Financial To-Dos to Help You Stay on Track in 2024]( [Five Financial To-Dos to Help You Stay on Track in 2024]( (Getty Images) These financial planning steps, courtesy of financial expert and attorney Stephen B. Dunbar, can help [ensure your financial wellness]( for the rest of the year, so take some time to look at your goals, debt, taxes and more. *Stay up to date with Kiplinger. Follow us on your preferred social media platform(s): - [Facebook]( - [X]( (Twitter) - [Instagram]( - [TikTok]( [] Family Matters [] [An 'Equal' Inheritance for All the Kids Doesn't Always Work]( [An 'Equal' Inheritance for All the Kids Doesn't Always Work]( (Getty Images) Estate planning lawyer Tracy Craig and wealth adviser Emily Parker Beekman share four scenarios in which it'd be appropriate for [one or more of your children to inherit differently]( than their siblings. [Optimize Your Retirement Income With This Advisor]( Our advisors use several strategies, including active funds exclusive to Personal Advisor clients. Low-cost funds, automated tax-loss harvesting, and minimal fees also help you keep more of your savings. Take the first step with Vanguard today. Paid non-client promotion [LEARN MORE]( ADVERTISEMENT [] Retirement Planning [] [Retired or Nearly Retired? Time to Focus on Risk Reduction]( [Retired or Nearly Retired? Time to Focus on Risk Reduction]( (Getty Images) Financial expert Ken Nuss notes that high rates on long-term savings vehicles, including fixed annuities, provide [a timely opportunity right now](. [] Investing [] [It's Dangerous to Expect a 12% Return on Your Portfolio]( When you factor in volatility and inflation, as well as taxes, fees and asset allocation, a more realistic expectation would be 7%, maybe even 5%, according to CFP David Blanchett. Here's why. (P.S. For more on investing, check out our [Investing Weekly]( newsletter.) [Read More]( [Get Matched With Vetted Financial Advisors]( With thousands of options available, finding an advisor can be tough. That's why SmartAsset made a simple, no-cost tool to help match you with up to 3 vetted financial advisors serving your area. It's never too late to work towards a comfortable retirement. [Get Started Today]( ADVERTISEMENT [] Retirement Management [] [In Retirement, Put Your Eggs in These Three Baskets]( Dividing your money into three different baskets can help ensure you don't run out during the many years you spend happily retired. CFP Pete Belcastro explains. [Read More]( [Prepare For Retirement Using a Dividend Growth Investment Strategy]( Generate $2,000 a month in dividends with a private REIT, specializing in industrial properties. This fund offers a path to create passive income using dividends and compound interest. With 250k at 10% APY discover how to yield $2000/month to help you reach your financial goals. [READ MORE]( ADVERTISEMENT [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Taxes in retirement: How all 50 states tax retirees]( Find out how 2024 income taxes in retirement stack up in all 50 states plus D.C. [Your Spectrum cable box is about to get more expensive]( The boxes are being phased out in favor of a streaming device called Xumo. 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