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Rachel Cautero

Retirement, Investing and Budget Expert

Rachel Cautero writes on all things personal finance, from retirement savings tips to monetary policy, even how young families can best manage the financial challenges of having children. Her work has appeared in The Atlantic, Forbes, The Balance, LearnVest, SmartAsset, HerMoney, DailyWorth, The New York Observer, MarketWatch, Lifewire, The Local: East Village, a New York Times publication and The New York Daily News. Rachel was an Experian #CreditChat panelist and has appeared on Cheddar Life and NPR’s On Point Radio with Meghna Chakrabarti. She has a bachelor’s degree from Wittenberg University and a master's in journalism from New York University. Her coworkers include her one-year-old son and a very needy French bulldog.

Posts by Rachel Cautero:

by Rachel Cautero Jan 17, 2020

Do you dream not only of an island getaway but of getting away to your very own island? Good news. It’s actually possible to buy an island, and it may not be as difficult as you think. However, you’ll have to jump through some hoops. Here’s how to buy and island and make it yours. Read more

by Rachel Cautero Nov 29, 2021

There are many savings options for retirees, ranging from 401(k)s to IRAs, and even HSAs. But there are other savings vehicles worth considering as well. A fixed annuity provides retirees with regular payments. But a bank certificate of deposit (CD) or a CD ladder can also provide similar benefits. A financial advisor could help you figure out which options make sense for your retirement plan. Let’s compare which is a better income source: annuity or CD? Read more

by Rachel Cautero Jan 07, 2020

The work of a financial risk manager (FRM) and a chartered financial analyst (CFA) can overlap, but they have their own specialties. FRMs identify, price and mitigate risk, while CFAs generate financial analytics and assess security markets and trends. Learn the basics of both designations, how they differ and which one is right for you. Read more

by Rachel Cautero Dec 31, 2019

Socially Responsible Investing and Environmental, Social and Governance Investing have both risen in popularity among socially conscious investors. Learn the basics of each, how they differ and which… Read more

by Rachel Cautero Dec 28, 2019

People often use yield and return interchangeably, referring to what you’ll earn from a fixed investment. However, there are some important differences to note for yield vs return. Learn the basics… Read more

by Rachel Cautero Dec 28, 2019

If you qualify for unemployment benefits, you’ll likely receive them via the Department of Labor’s Unemployment Insurance (UI) programs. But someone has to pay for the benefits that unemployed… Read more

by Rachel Cautero Dec 19, 2019

Planning for retirement can involve a lot of moving pieces, from saving funds in your 401(k) to building a diversified investment portfolio to – if you’re lucky – managing a pension plan. If you are… Read more

by Rachel Cautero Dec 19, 2019

Corporate governance refers to policies and processes that run corporations. A company’s corporate governance is of particular concern to investors. It often reflects a company’s direction and health… Read more

by Rachel Cautero Jan 08, 2020

A trade war is a conflict between two countries marked by rising tariffs and other similar protectionist actions. Remember, a tariff is a tax put into place by one country on imported goods or… Read more

by Rachel Cautero Jan 08, 2020

Tariffs, which are taxes placed on imports and exports between two countries, have increased in prominence during the Trump administration. We break down the basics, how they work, plus their pros… Read more

by Rachel Cautero Dec 07, 2019

The divorce rate in the U.S. has declined since the 1980s, down from 50% to around 39%. However, you may need to prepare for it anyway. It can be financially devastating. Planning working with a… Read more

by Rachel Cautero Dec 05, 2019

Social Security benefits can be confusing, even for the most seasoned financial professional. But those advisors who have earned the Certified in Social Security Claiming Strategies certification are… Read more

by Rachel Cautero May 03, 2022

If you’re a socially conscious person, it can affect every aspect of your life, from the car you drive to where you shop. It can also impact which companies you choose to invest in, and many… Read more

by Rachel Cautero Oct 15, 2020

Corporate social responsibility is the idea that a company, though they are obviously driven primarily by a profit motive, have the duty to think about how their business impacts the world and to… Read more

by Rachel Cautero Dec 03, 2019

Choosing a financial advisor can be rough. That’s especially true considering the alphabet soup that often follows their names. However, a Master Registered Financial Consultant (MRFC) can be useful… Read more

by Rachel Cautero Dec 07, 2019

There are many credentials for financial professionals, and it can be difficult to distinguish one from another. A Certified Financial Fiduciary (CFF) is a relatively new certification that brokers,… Read more

by Rachel Cautero Dec 03, 2019

A market maker is typically a large bank or institution. They help ensure the liquidity of a market by offering to both buy and sell securities. As an investor, there are some things you need to know… Read more

by Rachel Cautero Dec 03, 2019

The Sortino Ratio helps measure the risk-adjusted return of an investment. Both it and the Sharpe Ratio determine an investment’s return through risk-adjusted methods. However, the Sortino Ratio only… Read more

by Rachel Cautero Dec 03, 2019

Hypothecation is the practice of pledging collateral in order to secure debt. This comes up most often in mortgage lending, but it can apply to any kind of debt. It shows up in investing, but… Read more

by Rachel Cautero Dec 03, 2019

There are many different strategies for managing an investment portfolio But did you know you can automate trades within that portfolio? Algorithmic trading automatically places stock orders based on… Read more

by Rachel Cautero Dec 03, 2019

Investing and financial planning are all about the numbers, so it’s easy to see why economists long assumed people approach these subjects logically. And they do, but only sometimes, which is one of… Read more

by Rachel Cautero Dec 02, 2019

As an investor, wouldn’t it be nice to know that your portfolio both limits your risk and maximizes return? Ideally, it will do just that. The efficient frontier is a set of investment portfolios… Read more

by Rachel Cautero Nov 04, 2019

Financial institutions and businesses are expanding their operations to a truly global scale, but that scale comes with increased risk. How do banks avoid becoming vehicles for money laundering when… Read more

by Rachel Cautero Mar 04, 2021

With investing, the higher the risk, the more an investor expects to earn. The capital asset pricing model (CAPM) tries to estimate how much you can expect to earn given the amount of risk. The model… Read more

by Rachel Cautero Dec 02, 2019

When tracking your investment portfolio, you might compare its against a stock market index such as the Dow Jones Industrial Average. Ideally, you want investments to beat the Dow. The Dogs of the… Read more