Study finds most stocks underperform T-bills, reinforcing the case for diversified index investing

Expanding retirement savings access may be better than eliminating imperfect programs without alternatives

Shorter settlement cycles reduce risk and improve efficiency in securities trading

The SEC expanded accredited investor rules, raising questions about investor protection

Stock returns depend on earnings and investor sentiment, making markets difficult to predict

Strong economic data may support markets, but investors should remain focused on diversification

Future investment returns are uncertain, making realistic assumptions essential for financial planning

Employees over 65 may delay Medicare enrollment depending on employer coverage and HSA eligibility

Treasuries may be unattractive, but bonds still play an important role in a diversified portfolio