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Ashley Chorpenning

Retirement, Investing and Budget Expert

Ashley Chorpenning is an experienced financial writer currently serving as an investment and insurance expert at SmartAsset. In addition to being a contributing writer at SmartAsset, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.

Posts by Ashley Chorpenning:

by Ashley Chorpenning Dec 17, 2019

When selecting assets for a portfolio, it’s important to consider an investor’s risk tolerance. While some investors are willing to take on more risk to achieve a greater return, others may forgo any risk to preserve their capital. Capital preservation is what it sounds like – an investment strategy that preserves your money. So what’s the best investing strategy to make sure that you don’t lose any of your money? Read more

by Ashley Chorpenning Dec 11, 2019

If you’re looking for an investment strategy that may beat the market, active management may be worth considering. The goal of active management is to outperform a specific market index or, in a market downturn, to book losses that are less severe than a specific market index suffers. However, active management has fallen out of favor with many investors who find that its outcomes are less consistent than passive management strategies. So is active management right for your portfolio? Read more

by Ashley Chorpenning Jan 21, 2020

Want to go beyond stocks, bonds and cash? Alternative investments can include everything from real estate to fine art. If you’re looking for another way to diversify your portfolio, alternative investments may be worth considering. Read on to discover if alternative investments make sense for your portfolio. Read more

by Ashley Chorpenning Jan 08, 2020

Your time horizon is a crucial element of your investing plan. By understanding your time horizon you can select the most suitable investments to help you achieve your financial goals. Read on to… Read more

by Ashley Chorpenning Jan 08, 2020

Due to trade war fears, policy uncertainty and a host of other factors, investors are leery about what the future holds for the stock market. But certain funds are designed to bet against the market… Read more

by Ashley Chorpenning Dec 06, 2019

Whether they hedged against inflation or worried about the market crashing, investors regularly resorted to gold to offset risk. There are many ways to invest in gold, including gold mutual funds.… Read more

by Ashley Chorpenning Dec 06, 2019

Investors with an eye for growing economies can invest in emerging market funds such as a mutual fund and an ETF. Over the past 20 years, investors have found great success in countries such as China… Read more

by Ashley Chorpenning Jan 08, 2020

Individuals who are turning 65 have a 70% chance of needing some form of long-term care during their remaining years. While the majority of these care needs fall under a short-term care plan, about… Read more

by Ashley Chorpenning Nov 26, 2019

Before your long-term care insurance or disability insurance coverage kicks in, you may be disabled or hospitalized for a length of time. This period is known as the elimination period. Read on… Read more

by Ashley Chorpenning Nov 23, 2019

Investing in both a 401(k) and Roth IRA can be a powerful combo for any retirement savings plan. That is, if you’re eligible. Here’s what to know about qualifying for a Roth IRA and how opening one… Read more

by Ashley Chorpenning Nov 22, 2019

A Roth IRA is a smart way to grow your savings for the future. These investment accounts offer tax-free income when you retire. Of course, any return you see on a Roth IRA account depends on the… Read more

by Ashley Chorpenning Nov 21, 2019

The world of finance is often challenging for many consumers. However, financial professionals who hold the Certified Financial Educator (CFEd) designation communicate complex financial ideas in… Read more

by Ashley Chorpenning Nov 21, 2019

Creating and sticking to a financial plan is challenging, if not impossible for many Americans. That’s why some enlist a financial advisor or consultant to keep them on track. Some partner with a… Read more

by Ashley Chorpenning Nov 18, 2019

Whether you’re looking to buy or sell a security, you’ll likely use a registered representative to help complete the transaction. Registered representatives, usually working with a brokerage firm,… Read more

by Ashley Chorpenning Nov 17, 2019

When looking for a financial advisor, make sure you ask how they’re compensated. Some earn a commission, while others might be fee-only or fee-based. And then there are advisors who charge a… Read more

by Ashley Chorpenning Nov 14, 2019

All investors seek a balance between risk and return that works for their temperament and circumstances. Allocation of capital drives many investment strategies, but some focus on risk allocation… Read more

by Ashley Chorpenning Nov 13, 2019

It’s likely that most investors rarely thin about the world of private equity, even though private equity funds control billions of dollars in assets. In the best cases, they reap enormous returns… Read more

by Ashley Chorpenning Jan 15, 2020

In the past two years, investors have taken an unusual interest in the Federal Reserve Bank. That’s mostly due to a Fed policy known as ‘quantitative tightening’, or QT. Effectively, QT was the Fed’s… Read more

by Ashley Chorpenning Nov 11, 2019

If you’re an investor, chances are you’re looking for a reliable way to keep tabs on how your money is doing. And while various methods exist to measure the performance of an investment portfolio,… Read more

by Ashley Chorpenning Nov 07, 2019

A financial firm is said to practice proprietary trading if it invests its own money to make profits for itself, instead of earning commissions by trading on a client’s behalf. While the firm’s… Read more

by Ashley Chorpenning Nov 07, 2019

A flash crash occurs when electronic securities trading systems trigger a dramatic drop in price and rebounds within minutes. While flash crash occurrences are happening more often, many investors… Read more

by Ashley Chorpenning Jan 14, 2020

Since buying and selling stock is a key component of investing, it’s important for investors to understand trading terminology — especially the term “bid-ask spread.” If you have no idea what that… Read more

by Ashley Chorpenning Oct 31, 2019

Systemic risk is the risk that a company-level event could destabilize an entire industry. Think back to the financial crisis of 2008, when many companies deemed “too big to fail” did exactly that.… Read more

by Ashley Chorpenning Oct 30, 2019

Do you ever wonder who’s behind the trading desk, helping your financial firm find the best investment mix? In many cases, you’ll find a Chartered Market Technician (CMT). Read on to discover how… Read more

by Ashley Chorpenning Oct 29, 2019

As one of the most highly regarded compliance certifications, the Certified Regulatory and Compliance Professional (CRCP) designation helps professionals increase their skills as well as knowledge of… Read more