Kiplinger's Personal Finance

November 2018

November issue of KPFM

Cover Story

Timely Strategies to Protect Your Portfolio

Now is the time to dial back on risk and protect your bull market gains.

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Table of Contents

AHEAD

From the Editor

We explore the hot FIRE movement and its leader, Mr. Money Mustache, and discover that being mustachian fits well with the financial philosophies we’ve been espousing for decades.

What the Midterm Elections Mean to You

Regardless of the results of the election, an end to the uncertainty is likely to be a plus for your portfolio.

Secrets of the 401(k) Millionaires

The bull market helped boost balances, but these workers also save more and avoid borrowing against their savings.

Is Trump Right About Quarterly Earnings Reports?

Requiring companies to post results too often may discourage long-term investment, but requiring them to report too little can leave investors in the dark for too long.

New Rules for Mobile Deposits

The change is designed to help ensure that mobile banking app users aren’t able to deposit a check online and then again at a brick-and-mortar bank.

Online Travel Agencies Roll Out the Rewards

Travelers can score deep discounts or cash back on hotel rooms.

Money & Ethics

My favorite reform would be making the repayment of all student loans pro­portional to the borrower’s future earnings.

Investing Fees Keep Falling

JPMorgan Chase drops some stock and ETF commissions.

Your Mind and Your Money

Successful savers have prospered by living below their means. Frugality often becomes a preference—sometimes to an excessive degree.

Opening Shot

Ariel Investments’ John Rogers, a deep believer in the power of value stocks, says “It’s fun to be different,” he says. It’s been profitable, too.

Millennial Money

Broach the subject of what assistance your parents will expect from you as they age while they’re still active and healthy.

Money Smart Women

These are the three steps to investing success: start soon, start small and keep it simple.

MONEY

Young FIRE Savers Race to Retirement

The Financial Independence, Retire Early (FIRE) movement is catching on with a new generation that is redefining what it means to be retired.

Ask Kim

If you haven't been in contact with your investment firm, your state may be quicker to seize your account as abandoned property.

Trim Your Home Insurance Premium

Whether you stay with your current insurer or switch, you can lower your rate without sacrificing coverage.

Best Ways to Give Rewards Miles and Points

You may want to be generous with your credits, but the carriers have other ideas. Transfers are pricey (and limited).

INVESTING

Timely Strategies to Protect Your Portfolio

Now is the time to dial back on risk and protect your bull market gains.

How to Navigate Investing in Emerging Markets

Currency woes and runaway inflation in some countries mask long-term opportunities.

Income Investing

For the first time in years, cash accounts are competitive with yields on many classes of bonds and blue-chip stocks.

Fund Watch

Newly inducted to the collection of our favorite no-load mutual funds, Wasatch Small Cap Value scoops up high-quality picks when their prices dip.

Fund Watch

This Sit Tax-Free Income looks for undervalued corners of the muni market.

LIVING

Savings Strategies for Snowbirds

If you’re planning to head south to escape winter, proper preparation will avoid a lot of woe.

New Security Systems Give Peace of Mind

New home security systems are affordable, versatile and easy to install.

The Bear Market Quiz

Test your knowledge of the darker side of stocks.