Kiplinger’s Personal Finance

Kiplinger's Personal Finance

April 2019

April issue of KPFM

Cover Story

How to Prepare for a Financial Emergency

If you lose your job or face a large, unforeseen expense, are you prepared?


Table of Contents


From the Editor

More than $32,000 disappeared from my brokerage account. The struggle of getting it back revealed the downsides of using online brokers and investing in foreign stocks.

Expect Aftershocks From the Government Shutdown

The next concern: Economists worry that lawmakers will fail to reach a debt-ceiling deal.

How Much Cash Is In Your Wallet?

Electronic payments are increasing, but a cashless economy has drawbacks.

You May Pay More for Your Prescription Drugs

If your health insurance plan dropped your drugs from their formulary, you still have options.

Banks Battle Elder Fraud

Scams targeting seniors are still growing, but safeguards are being built.

Home Sales Go High-Tech

Corporate buyers will sell your home in a hurry, and you don’t need to lift a finger.

Opening Shot

Index funds benefit investors in other ways besides low fees. Trading expenses and tax consequences are minimal.

Your Mind, Your Money

When portfolio managers are buying, they think like business owners. But when they sell, they too often devolve into stock jockeys.

Rethinking Retirement

To avoid conflicts, both you and your spouse should visualize what a day in retirement might look like.

Millennial Money

Even if you have to pay for tax software, it’s cheaper than hiring a tax preparer.


Smart Ways to Handle an Inheritance

A bequest could change your life, but don’t quit your day job.

11 Strategies for IRA Withdrawals

You’re required to take money out of retirement accounts when you turn 70½, but you can minimize the tax bite.

Credit Freezes Aren’t Foolproof

Why you should still be periodically checking all three credit reports.

What's the Best Medigap Policy?

All plans with the same letter have the same coverage, but prices can vary by company.

Using a 529 for High School

You’re now able to withdraw up to $10,000 tax-free from a 529 plan each year for K-12 tuition.

A New Way to Tap and Pay

Seventy-eight of the top 100 U.S. merchants can now handle contactless transactions, and more contactless cards are rolling out.

How to Decipher a Financial Aid Letter

Some colleges blur the lines between loans and grants.


13 Stocks With Big Future Potential

These companies are set to benefit from trends that will shape our world.

A Tax Guide for Investors

Confused about K-1s or capital gains? Here’s what you need to know.

The Legacy of John Bogle

The champion of low-cost index investing changed mutual funds forever.

Practical Investing

Our Practical Investing columnist, Kathy Kristof, says goodbye to her readers.

Income Investing

Rising interest rates are no longer the primary concern for income investors, but other factors must still be considered threats against bonds.

How FMI International Shines

This fund may lag when foreign stocks are on a tear, but it holds steady when they slide.

The Kiplinger 15 Is On a Roll

Our favorite stocks for dividend income are rebounding well after the 2018 correction.

Fund Watch

The veteran manager of this Kiplinger 25 fund has retired, but the new leaders have proven ready since taking the reins last year.


Great Ideas for $1,000: Home, Travel, Gifts & Fitness

If you have a grand to spare, we have recommendations on ways to spend it.

Should You Believe These 5 Market Truisms?

Most market sayings have a statistical basis—but some are more wacky than useful