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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 Oct 02, 2019

If you’re on the cusp of retirement or just looking for extra income, annuitization could help you. Annuitization converts an annuity investment into a stream of regular payments. With an annuity, a financial product that makes regular payouts after a specified amount of time, your investment can pay off quickly. We explain the math behind it and can help you decide if it might work for you. Read more

by Rachel Cautero Aug 14, 2019

Investing in precious metals can help an investor diversify their portfolio. A healthy mix of stocks, bonds, mutual funds, or even an exchange-traded fund (ETF) or two can keep your portfolio balanced. However, there’s a lot of potential for investors who want to bet on the price fluctuations of gold and other precious metals. Here’s how to start trading those commodities.   Read more

by Rachel Cautero Aug 12, 2019

If you find yourself vacationing in the same area year after year, then purchasing a timeshare may have come across your radar. Timeshare properties allow you to partially own what some might consider to be a second home in one of your favorite foreign or domestic locales. Because you share the ownership of a timeshare with other people, the costs associated with ownership are considerably less than, say, a vacation home. Still, buying a timeshare still represents a major financial commitment, so it’s a good idea to consult a financial advisor before you take the plunge. Read more

by Rachel Cautero Jan 14, 2020

If you know how to invest in S&P 500 stocks, they could provide a solid foundation for your portfolio. The S&P 500 is a market index tracking the 500 largest publicly-traded companies on the market.… Read more

by Rachel Cautero Apr 20, 2022

Treasury bonds and bills can be an important part of your investment strategy. However, Treasury yields will determine their value to your portfolio. Treasury yields represent how much profit you… Read more

by Rachel Cautero Aug 06, 2019

If you have an investment portfolio or a 401(k), you’ve probably invested in a mutual fund. You may have also invested your savings in an ETF. Another similar option for investors who don’t want to… Read more

by Rachel Cautero Jun 25, 2020

Working capital measures a business’s operating liquidity, but it does so much more. It also can be a good indicator of a company’s efficiency and financial health, as well as how well it manages… Read more

by Rachel Cautero Jul 26, 2019

Spotted a hot stock and can’t afford to invest as much as you’d like? A margin account allows you to borrow money from your brokerage firm to make the buy. But if trading money you don’t have sounds… Read more

by Rachel Cautero Jan 12, 2022

The Centers for Disease Control and Prevention says that divorces have decreased in the last two decades from almost one million in 2000 to less than 750,000 in 2019. Though if you are in the process… Read more

by Rachel Cautero Jan 15, 2020

In the U.S., the Federal Reserve determines monetary policy, while Congress controls fiscal policy. Generally, monetary policy seeks either to stimulate the economy or cool it down through managing… Read more

by Rachel Cautero Nov 25, 2020

While a typical exchange-traded fund (ETF) lets you invest in a sector, index or industry, an inverse ETF lets you bet against them. Inverse ETFs see gains when a market or index goes down. They can… Read more

by Rachel Cautero Jan 12, 2022

A supplemental retirement plan may be offered to a broad range of employees. But supplemental executive retirement plans (SERPs) are reserved for the company’s elite. A SERP is a non-qualified… Read more

by Rachel Cautero Nov 25, 2020

Naming a trust as the beneficiary of your individual retirement account (IRA) is not terribly difficult — once you’ve established your trust, you simply list it as the beneficiary in the paperwork or… Read more

by Rachel Cautero Mar 17, 2022

Pension plans are becoming less and less common in the private sector, though the public sector still uses them regularly. If you have a pension, you’ll likely have to make a decision whether to opt… Read more

by Rachel Cautero Jan 14, 2022

If you work for a small business (one with 100 or fewer employees) you may not think much of your retirement savings options. In fact, a recent study from LIMRA found that only 42% of small… Read more

by Rachel Cautero May 14, 2019

If you’re ready to start taking income from your retirement accounts or investment portfolio, you might consider setting up a Systematic Withdrawal Plan (SWP). SWPs are a way to set up regular… Read more

by Rachel Cautero Apr 10, 2019

Retirement planning is a lifelong process that takes ample organization, forethought and effort to do successfully. The easiest way to manage this sometimes overwhelming venture is to split your… Read more

by Rachel Cautero Apr 08, 2019

Financial security means different things to different people. To some, it may mean having enough money to cover all your bills, save for retirement and then have some left over. To others, it may… Read more

by Rachel Cautero Dec 13, 2019

You may have visions of spending your retirement on a sun-soaked vineyard in wine country. But according to a September 2018 report by the National Institute on Retirement Security (NIRS), more than… Read more