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Rebecca Lake

Home Buying, Retirement and Investing Expert

Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She's worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. News and World Report, CreditCards.com and Investopedia. Rebecca is a graduate of the University of South Carolina and she also attended Charleston Southern University as a graduate student. Originally from central Virginia, she now lives on the North Carolina coast along with her two children.

Posts by Rebecca Lake:

by Rebecca Lake Jan 21, 2020

As you invest for retirement, becoming a millionaire might be a reasonable goal. Yes, millionaire status is no longer rarefied air, and depending on your income needs, having at least $1 million in the bank might be necessary to last you through retirement. So let’s say you’ve gotten to a point where you’ve got $100,000 saved. Can you turn that into $1 million? The short answer is that it’s possible, but it won’t happen overnight. If you’re interested in reaching millionaire status as an investor, here’s what you need to know to pull it off. Read more

by Rebecca Lake Jan 17, 2020

When it comes to asset allocation, there’s more than one strategy you can follow. Tactical asset allocation is a moderately active approach to portfolio management that focuses on keeping pace with market trends. It’s all about making adjustments to your asset mix to capitalize on individual stocks or market sectors that are performing well, while still managing risk. If you’re interested in finding a way to maximize rewards for the short- or mid-term, here’s what you need to know about tactical asset allocation. Read more

by Rebecca Lake Jan 17, 2020

When it comes to asset allocation and deciding how to diversify a portfolio, there’s more than one way you can approach it. A strategic asset allocation involves setting targets for each asset class, followed by periodic rebalancing to make sure your portfolio is staying aligned with your goals. It’s an alternative to dynamic asset allocation and tactical asset allocation. Read more

by Rebecca Lake Jan 17, 2020

If an annuity is part of your retirement income plan, there’s a term you need to know: market value adjustment. It’s something that can be applied to your annuity contract if you withdraw money from… Read more

by Rebecca Lake Jan 17, 2020

Inheriting an annuity can provide an unexpected financial windfall, but there are certain tax implications to consider. Whether you’ll owe taxes, how much and when you’re required to pay them depends… Read more

by Rebecca Lake Jan 21, 2020

If you own an annuity, the part of your contract that earns returns is called the annuity fund, and it’s important to understand how it works for different types of annuities. In other words, all… Read more

by Rebecca Lake Jan 13, 2020

An annuity can provide a stream of guaranteed income for life, taking some stress out of retirement planning. But what happens to an annuity when you die? That’s a question you might be pondering if… Read more

by Rebecca Lake Jan 17, 2020

Retirement income can come from numerous sources, including your employer’s 401(k) plan, an individual retirement account and taxable brokerage accounts. Bonds and annuities can also help create… Read more

by Rebecca Lake Jan 03, 2020

There are generally two paths to building wealth through investments: dividends and/or capital gains. They both fuel growth, but in different ways with different tax implications. Understanding… Read more

by Rebecca Lake Jan 14, 2020

Annuities can help you create additional income for retirement outside of what you expect to get from your 401(k) or a similar tax-advantaged account. Thanks to the passage of the SECURE Act, adding… Read more

by Rebecca Lake Jan 08, 2020

Reading up on investment analysis can help you better understand market trends as you make decisions in your portfolio. Buy side vs sell side analysts are two very different approaches to investing.… Read more

by Rebecca Lake Jan 15, 2020

When planning for retirement, an annuity is one option to consider for creating an additional stream of income. With this type of insurance contract, you can receive payments on a schedule that you… Read more

by Rebecca Lake Dec 28, 2019

The term “value trap” can be used to describe stocks or other investments that may seem like a bargain but shouldn’t be taken at face value. Knowing how to spot a value trap and how to build a… Read more

by Rebecca Lake Dec 28, 2019

Flight to quality describes how investors react and manage their portfolios during periods of stock market volatility. This strategy favors more conservative investments in lieu of riskier ones. Here… Read more

by Rebecca Lake Dec 28, 2019

An investment advisor representative (IAR) helps advisory firms offer financial advice to investors. If you’re looking for assistance with your investments, you may consider working with an IA. Here… Read more

by Rebecca Lake Dec 23, 2019

Managed volatility investing strategies are designed to mitigate some of the risks associated with uneven stock market movements. Managed volatility mutual funds have become increasingly popular for… Read more

by Rebecca Lake Jan 15, 2020

Environmental, social and governance (ESG) investing offers investors a way to grow their portfolio while doing good. This investment strategy has two goals: generating a financial return while also… Read more

by Rebecca Lake Dec 19, 2019

Trading fees can kick in when you’re buying and selling shares of stock, mutual funds or other investments. That’s true whether you’re trading in an online brokerage account or through a traditional… Read more

by Rebecca Lake Jan 17, 2020

Master limited partnerships or MLPs are a way to invest for high yields, beyond traditional stocks and bonds. MLPs can trade on an exchange just like a stock. If you’re looking to shake up your… Read more

by Rebecca Lake Jan 08, 2020

Dynamic asset allocation is a way to manage risk in your portfolio and generate above-market returns by moving with market trends. This type of approach combines elements of passive investing with… Read more

by Rebecca Lake Jan 15, 2020

We build our everyday lives over infrastructure. It includes water and sewer services, utilities, shipping and waste management. An infrastructure fund invests in companies providing these systems.… Read more

by Rebecca Lake Jan 07, 2020

Mutual funds are a way to invest in multiple stocks, bonds or other investments in one convenient package. Growth mutual funds zero in on stocks from some of the largest companies in the world. If… Read more

by Rebecca Lake Jan 15, 2020

When choosing which stocks to invest in, you may run into these terms: small-cap, mid-cap and large-cap. A small-cap growth fund invests in smaller companies whose share prices are growing steadily.… Read more

by Rebecca Lake Jan 08, 2020

Socially responsible investing funds or SRI funds are a way to grow your investment portfolio while doing something for the greater good. For example, you might invest in funds that advance social… Read more

by Rebecca Lake Jan 08, 2020

Unless you’re dreaming of becoming a landlord or trying your hand at flipping houses, real estate funds might be just the investment you’ve been looking for. There are a number of reasons why real… Read more