Review your investing strategy with a pro
You don’t have to navigate your retirement savings alone. People who work with financial advisors see a 3% increase in net returns, according to a report from Vanguard.
There are free online services that are designed to match you with experienced financial advisors who can assess your financial situation and tell you if you’re on the right track for retirement.
Advisor.com, for example, is an online platform that simplifies the process of finding a financial advisor you can trust. They match you with several vetted fiduciary advisors who are evaluated based on their credentials, education, experience and pricing.
How it works
Three easy steps to get matched with a financial advisor.
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Step 1: Answer a few quick questions about yourself and what you would like help with.
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Step 2: Advisor.com will match you with a vetted advisor who can provide you with a personalized plan to meet your financial goals.
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Step 3: Book a free, no-obligation consultation to confirm if your match is right for you.
Protect your retirement fund with a gold IRA
Investing in precious metals, such as gold, is a great option to protect and grow your retirement fund. Unlike the U.S. dollar, which has lost 87% of its purchasing power since 1971, gold’s purchasing power tends to remain stable over time.
With help from American Hartford Gold, you can take advantage of the tax benefits of this type of retirement account while allowing you to weather economic volatility.
Request their complimentary 2025 investing guide on gold and silver to learn how this investment could help you secure your retirement.
Automatically invest your spare change
You don’t always have to put away large sums to move toward your retirement goals. Ten dollars a week could make a difference – if you’re smart about what to do with your spare change.
When you make a purchase on your credit or debit card, Acorns automatically rounds up the price to the nearest dollar and places the excess — the coins that would wind up in your pocket if you were paying cash — into a smart investment portfolio.
Let’s say you purchase a doughnut for $2.30. Before you’re done licking the sugar off your fingers, Acorns will round the amount to $3.00 and invest the 70-cent difference for you.
Look at this math: $2.50 worth of daily round-ups add up to $900 per year — and that’s before your savings earn money in the market.
Plus, if you sign up now, you can get a $20 bonus investment.
Find additional sources of passive income
Real estate is an asset class that has historically been reserved for investors with a lot of capital.
Now, Arrived has changed this. With the Arrived Private Credit Fund, you can invest in short-term loans used to fund real estate projects, such as renovations, property rehabs, or even new home construction projects. The minimum investment is $100, meaning that this opportunity is open to every type of investor.
All of the loans are secured by residential housing as collateral — so even if the borrowers default, the underlying property can be sold to keep the fund healthy.
Historically, the Arrived Private Credit Fund has paid 8.1% annualized dividends to investors, distributed on a monthly basis. Dividend returns on stocks don’t even come close — the long-term average dividend yield of S&P 500 companies is 1.83%.
