RESOURCES

While they’re both worth getting excited over, it’s important to understand the fundamental differences between tax credits and tax deductions.

What is an investor to do in a very richly valued market with low but rising interest rates and high uncertainty? As always, be careful and have a plan. Make sure you are diversified, and know why you own what you own.

While buffered ETFs do reduce downside risk and price volatility, they do so at a heavy cost to returns. Better alternatives are beyond the scope of this article, but if history is any guide, these are not good tools for long-term investors in accumulation phase. Further, products like the Innovator Defined Outcome ETFs® leave investors exposed when they are most likely to be worried – after the market has made a move lower. Investors would be wise to look for other ways to reduce risk.

“Thinking troubles us; thinking tires us. Thinking can force us out of the familiar, comforting habits. Thinking can complicate our lives. Thinking can set us at odds, or at least complicate our relationships with those we admire or love or follow. It is easier to agree with and pass along ideas that other people find agreeable than to do the work of thinking through whether they are correct, especially given the risk that the discovery of fallacy can put us at odds with others whose approval we intrinsically seek.”