Home Actress Kumiko Love HD Instagram Photos and Wallpapers April 2024 Kumiko Love Instagram - How do you choose the right target date fund? Each fund is conveniently named to correspond with your planned retirement year. Most target-date funds are named in five-year increments, so you would choose the fund named with the year nearest to your planned retirement date. For example, if you are 40 today and plan to work until 65, you would choose the target date fund 25 years in the future with 2050 in the name. 1) Determine the age at which you plan to retire. 2) Select the fund that is closest to your retirement year. 3) Start investing. Please remember that even though target-date funds lean towards the "set-it-and-forget-it" and "one-size-fits-all" strategy and investing approach, you still need to review your investments periodically to ensure that your risk profile matches your goals. #investingtips #retirementfund #investforthefuture #investinyourfuture #retirementplanning #investing #wealthbuilding #investing101 #investingforbeginners

Kumiko Love Instagram – How do you choose the right target date fund? Each fund is conveniently named to correspond with your planned retirement year. Most target-date funds are named in five-year increments, so you would choose the fund named with the year nearest to your planned retirement date. For example, if you are 40 today and plan to work until 65, you would choose the target date fund 25 years in the future with 2050 in the name. 1) Determine the age at which you plan to retire. 2) Select the fund that is closest to your retirement year. 3) Start investing. Please remember that even though target-date funds lean towards the “set-it-and-forget-it” and “one-size-fits-all” strategy and investing approach, you still need to review your investments periodically to ensure that your risk profile matches your goals. #investingtips #retirementfund #investforthefuture #investinyourfuture #retirementplanning #investing #wealthbuilding #investing101 #investingforbeginners

Kumiko Love Instagram - How do you choose the right target date fund? Each fund is conveniently named to correspond with your planned retirement year. Most target-date funds are named in five-year increments, so you would choose the fund named with the year nearest to your planned retirement date. For example, if you are 40 today and plan to work until 65, you would choose the target date fund 25 years in the future with 2050 in the name. 1) Determine the age at which you plan to retire. 2) Select the fund that is closest to your retirement year. 3) Start investing. Please remember that even though target-date funds lean towards the "set-it-and-forget-it" and "one-size-fits-all" strategy and investing approach, you still need to review your investments periodically to ensure that your risk profile matches your goals. #investingtips #retirementfund #investforthefuture #investinyourfuture #retirementplanning #investing #wealthbuilding #investing101 #investingforbeginners

Kumiko Love Instagram – How do you choose the right target date fund?

Each fund is conveniently named to correspond with your planned retirement year. Most target-date funds are named in five-year increments, so you would choose the fund named with the year nearest to your planned retirement date.

For example, if you are 40 today and plan to work until 65, you would choose the target date fund 25 years in the future with 2050 in the name.

1) Determine the age at which you plan to retire.
2) Select the fund that is closest to your retirement year.
3) Start investing.

Please remember that even though target-date funds lean towards the “set-it-and-forget-it” and “one-size-fits-all” strategy and investing approach, you still need to review your investments periodically to ensure that your risk profile matches your goals.

#investingtips #retirementfund #investforthefuture #investinyourfuture #retirementplanning #investing #wealthbuilding #investing101 #investingforbeginners | Posted on 14/Mar/2024 00:46:43

Kumiko Love Instagram – Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let’s talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for real life. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, all of the bills you are paying with your first paycheck, highlight them blue. All of the bills you are paying for your second paycheck, highlight in yellow. #2) Events. If you have an event like your kid’s soccer game, a work lunch, or dinner out with friends, make sure to write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget. Meal planning, setting up a vet appt for one of my dogs, or needing to call and schedule a dr. appt. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren’t, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don’t forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down the days I am traveling with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #budgettips #budgeting #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #thebudgetmom #budgeting101 #budgetcalendar #paycheckbudget #tbmfamily
Kumiko Love Instagram – Yep. I’m not going to pretend that I’m out here saving hundreds on groceries by clipping coupons or signing up for rewards programs. Do those things help? Absolutely! But the truth is… Groceries are expensive. Period. Your diet restrictions, where you live, and your family size all play a roll on how much you will spend on groceries. That’s why I never say “you should be spending XYZ” on groceries. There is no baseline or magic amount that you “should” be spending. Find deals and coupons where you can. Either online or store flyers. Also, sign up for loyalty programs. Shop your pantry, fridge, and freezer first. Your home should always be your first grocery store. Earn cash back for things you already buy with apps like Fetch Rewards (see my highlight bubble for more information). Have a plan and grocery list, and stick to them. Use grocery pickup to help with impulse purchases and temptations. Oh, don’t be like me, and forget your grocery bags in the back of your car. I remembered for this trip! And then… You still have moments like this. It’s just the truth. Create that checking account cushion and that miscellaneous spending category in your budget for weeks where things are a little more expensive than you planned. Life happens. Give yourself grace to do better next time!🫶 #thebudgetmom #groceryshopping #groceryhaul #budgetlife #reallifemom #mealplanning #grocerybudget

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