Is the S&P 500 Index Still a Good Investment? Warren Buffett has been advising for many years that most individual investors would benefit from putting their money into the S&P 500 Index Fund due to its simplicity, cost-effectiveness, and attractive long-term growth potential. This index provides a broad representation of the U.S. equity market, covering approximately 80% of the total market capitalization. While the S&P 500 is often perceived as providing broad diversification by encompassing 500 different companies across various industries and sectors, the actual situation is considerably different when analyzed more closely.

Health Savings Account Triple Tax Threat Strategy

Instead of using your HSA to pay for a medical expense right away, you pay for it out-of-pocket and keep the receipt. Archive your receipts somewhere safe, preferably digitally, where you can access them years down the road.

Later in retirement, utilize your saved receipts for eligible expenses and withdraw the money tax-free to use however you want.

If you are over the age of 50 and have successfully built-up substantial retirement accounts, you might face a serious tax issue in the future. The average retirement age in the U.S. is 65 for men and 63 for women. If you delay social security benefits, you enter what I call the opportunity valley.

Market Volatility Investment Strategies
(1) Keep Cash for Spending
(2) Don’t Invest Short-Term Money
(3) Rebalance Regularly
(4) Maintain Asset Allocation
(5) Keep Fees and Expenses Low
(6) Stay the Course at Work
(7) Update Your Financial Plan