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Income & Savings

Steady high income & enhanced cash savings

We prioritize helping you achieve steady high income and enhance your cash savings. Our dedication to research and portfolio management enables us to offer unique solutions and resources for generating consistent income:

  • Best fixed income bond fund based income portfolios: our bond mutual fund and ETF based portfolios have consistently outperformed even the best bond funds over the past decade, providing a reliable anchor for steady income.
  • Information on how to bank on your own: regularly updated resources on utilizing broker CDs, Treasury and government agency bills, and short-term bonds to maximize your savings.
  • Income and savings tips: valuable tips and articles on generating income and savings through diverse investments and side hustles, such as real estate investments, online lending, and various businesses.

No matter if you’re a retiree seeking financial stability, someone in search of additional income, or simply concerned about optimizing your savings and banking practices, our platform is an invaluable resource that you can count on. 

 

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High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...

Model portfolios for income investors

  • Model portfolios for major brokerages
  • Based on excellent total return bond mutual fund
  • Based on total return bond ETFs
  • Outperformed even best bond mutual funds for past decade
Click for income model portfolios

Better Savings & Higher Short Term Interests

  • Enhanced ‘money market’ like ETF portfolios
  • Knowledge on how to get much better yields from broker CDs and Treasury bills
  • Better banking tips
Click for savings tips & cash-like ETFs

Featured Income & Savings Articles

Savings Hacks

p>In this issue:

  • Latest in Retirement Savings & Personal Finance: Crypto in 401(k), Private Investments in Target Date Funds, BNPL Credit Score Impact
  • Savings Hacks Using BNPL & Others
  • Tools & Tips: Money Market Fund Center
  • Market Overview

Annuity Income Payout vs. Invest & Withdraw

In this issue:

  • Latest in Retirement Savings & Personal Finance: Annuity Is Back, HSA & Retirement Healthcare Improvement, Growing Medical Debt Crisis
  • Tools & Tips: Annuity vs Invest Calculator
  • Annuity Income Payout vs. Invest & Withdraw
  • Market Overview

The Right Way to Withdraw from Your 401(k) Without Regret

In this issue:

  • Latest in Retirement Savings & Personal Finance: $1.5 Million’s Retirement Mileage Across Various States, Therapy Needed in Market Turmoil
  • The Right Way to Withdraw from Your 401(k) Without Regret
  • Credit Card Debt Consolidation Calculator
  • Market Overview

Maximize Your Cash Returns

In this issue:

  • Latest in Retirement Savings & Personal Finance: Inflation Pressure and 401(k) as Rainy-Day Fund
  • Maximize Your Cash Returns
  • Good Funds: Capital Group ETFs
  • Market Overview

Roth IRA for Kids? SEP IRA for Rental Income?

In this issue:

  • News & Tips You Can Use: 5 Tax Tips For Tax Filing Season
  • 6 Ways to Cope in Your Retirement Savings & Spending Under the Current DOGE, Tariff Regime 
  • Backdoor Roth IRA Pro-Rata Conversion Calculator
  • Market Overview
More on income & savings

Portfolio Calculator (Simulator)

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Retirement Calculator

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Customize Asset Allocation Portfolios

Build a model portfolio with strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Investment Calculator

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Looking for a (forgotten) 401(k)?

Find plan contact info, plan expense, investment options or how to select investments on your 401k plan ...

 
Browse List of Retirement Plans
Example Plans with Investment Model Portfolios