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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 Dec 02, 2019

Investing in the stock market inevitably brings risk, and diversifying a portfolio doesn’t eliminate it. There’s always systematic risk. In other words, there’s always inevitable risk that affects a market segment or the market as a whole. Systematic risk affects the entire market, not just a single stock or industry. Here’s what investors need to know. Read more

by Rachel Cautero Dec 02, 2019

If you’re stock market regular, you’ve likely heard of day trading: The buying and selling of securities within the same trading day. But maybe you’d like a slightly longer lead time for such transactions. Enter swing trading, which is basically day trading over a somewhat longer period. Here are some basic swing trading strategies. Read more

by Rachel Cautero Mar 25, 2022

Accredited Financial Counselor (AFC) is one of many certifications and designations that financial professionals can earn. The AFC indicates that a professional values sound financial principles and is trained to teach people their worth. Here’s what it takes to get this designation, how it differs from other popular designations and which clients it serves best. Consider working with a financial advisor as you work to manage and grow your financial assets. Read more

by Rachel Cautero Oct 25, 2019

Marketing professionals within the finance industry may escape licensing exams like the Series 7. However, the Certified Financial Marketing Professional (CFMP) designation from the American Banking… Read more

by Rachel Cautero Dec 02, 2019

The Series 3, also known as the National Commodities Futures Examination, is a licensing exam for financial professionals who wish to sell commodity futures contracts. The Series 3 allows a financial… Read more

by Rachel Cautero Dec 02, 2019

The Series 79 exam, also known as the Investment Banking Representative Exam, is taken by many financial professionals, including investment bankers. Those who pass the exam ability can advise… Read more

by Rachel Cautero Oct 24, 2019

. The Fellow, Life Management Institute (FLMI) is a 10-course training program that focuses on industry-specific education in the insurance and finance industries. The FLMI also addresses insurance… Read more

by Rachel Cautero Jan 14, 2020

If you have a diverse investment portfolio you’ve probably bought publicly traded stocks on the open market. But some investors operate in an alternate, well-funded investment universe. In the world… Read more

by Rachel Cautero Sep 30, 2019

A subadvisor is an investment management firm that typically partners with a mutual fund investment advisor to help with the day-to-day management of the fund. They often provide specialized… Read more

by Rachel Cautero Jan 15, 2020

Bonds are a type of debt security used by government entities and corporations to raise money. Every bond come with a face value, which is sometimes called a par value. This number indicates what the… Read more

by Rachel Cautero Sep 19, 2019

There’s no shortage of required licensing exams for financial professionals. From the Series 63 and Series 65 to Series 7, there are many different exams required for various roles within the… Read more

by Rachel Cautero Jan 14, 2020

Those nearing retirement age may be looking to supplement their income. If they’ve already maxed out their other retirement savings accounts, like their 401(k) or IRA, then an annuity might help.… Read more

by Rachel Cautero Apr 01, 2022

The Series 65, also known as the Uniform Investment Adviser Law Examination, is a test and license required of most financial professionals. If you’re interested in becoming a financial professional,… Read more

by Rachel Cautero Jan 14, 2020

Whether you’re a seasoned investor or just getting your feet wet, there’s a good chance that you’ve heard of an annuity. This financial product doles out regular payments for a set amount of time to… Read more

by Rachel Cautero Oct 08, 2020

Thinking of becoming a licensed financial professional? You’ll likely have to take one – or several – licensing exams. The Series 63 exam focuses on a financial professional’s ethical and fiduciary… Read more

by Rachel Cautero May 19, 2022

Annuities come in many different forms, and fixed indexed annuities offer the chance to combine other annuities’ benefits. Rather than rely solely on a fixed interest rate or the performance of a… Read more

by Rachel Cautero Sep 12, 2019

Most investors are familiar with mutual funds and retirement savings vehicles like 401(k)s. But a collective investment trust (CIT) combines some of the characteristics of both. While CITs are… Read more

by Rachel Cautero Apr 01, 2022

When you begin building your investment portfolio, you may start with a mix of exchange-traded funds (ETFs), mutual funds and other investments. But once your nest egg grows, you may be looking for a… Read more

by Rachel Cautero Feb 04, 2020

Choosing a financial advisor isn’t easy. You’ll need to determine if you need an in-person financial advisor or a robo-advisor. Then you’ll choose a firm. It may be one close to home or with a… Read more

by Rachel Cautero Sep 09, 2019

There is always risk associated with investing. Sure, you can diversify your portfolio or hedge against risk by purchasing low-risk securities such as bonds, money market funds, or certificates of… Read more

by Rachel Cautero Jan 08, 2020

Securities that trade “over-the-counter,” or OTC, are not traded on a formal exchange. While the biggest publicly traded companies trade on stock exchanges like the New York Stock Exchange (NYSE) or… Read more

by Rachel Cautero Sep 06, 2019

Bonds can help the federal government or other agencies raise money for specific projects. They’re like loans that investors make to government agencies or corporations. A bond’s face value will give… Read more

by Rachel Cautero Nov 29, 2021

If you’re of retirement age and want to supplement your income, you may want to consider a Home Equity Conversion Mortgage (HECM). A HECM is a reverse mortgage through the Federal Housing Authority … Read more

by Rachel Cautero Aug 30, 2019

Before jumping headfirst into the world of investing, it may be smart to educate yourself on where your money will be invested. This is where asset classes come in. Simply put, asset classes are… Read more

by Rachel Cautero Jan 10, 2020

Looking for a low-risk means of diversifying your investment portfolio? Then you may want to consider investing in commercial paper. No, we’re not talking about buying stock in a paper company … Read more