Beyond Bulls & Bears

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Education

US Tax Reform: What Investors Need to Know

Wondering how the latest tax reform bills may impact you? Our Pierre Caramazza and Michael Doshier break down some key aspects of bills from an investment standpoint and highlight some substantial differences between the House and Senate versions.

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Education

Tax Reform and the Possible Impact on Retirement

US tax reform looks to impact many areas of our lives, and one of these could be the way Americans save and invest for retirement. As we wait for Congress to refine and vote on the latest tax proposals, Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, breaks down how lawmakers might target retirement dollars for tax revenue. And, he outlines potential changes to our current retirement system that he believes might not be in the best interests of all future retirees.

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Education

Our Request to Congress: Save Our Savings—and Our Retirement!

"What we’d like to emphasize is that if we are going to change the retirement system, those changes should be done with the exclusive goal of improving retirement readiness for all US citizens.” Yaqub Ahmed, Drew Carrington and Michael Doshier

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Perspectives

Self-Driving Vehicles: Evaluating the Possible Impacts

The race to develop truly autonomous vehicles continues to pick up speed. Not only are passenger cars in the race, but also trucks and buses. Autonomous vehicle technology truly holds the potential to reshape many industries, in ways we probably haven’t even thought of yet. Recently, Franklin Templeton Investments assembled a panel of industry experts to talk about where they see the future of self-driving technology, and how long they think it will take to get to the finish line.

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Education

Retirement Income Planning Takes a Flexible Approach

Dennis Heinke, vice president of North America Product Strategy at Franklin Templeton Investments, discusses the challenge of generating retirement income and some strategies that can help alleviate some of the anxiety surrounding it.

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Education

Social Security Benefits Set to Increase, but Don’t Get Too Excited

Gail Buckner, CFP®, offers some useful information about a 2018 Social Security benefits bump, and outlines a new Congressional bill that may change the benefits equation down the road.

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Education

Don’t Believe Everything You Hear about Social Security!

“Some people believe Social Security is going to disappear within a matter of years. That means retirees and those living on disability insurance will get nothing. As in nada, zippo, the big fat zero … How likely is this? Not. At. All.” - Gail Buckner, CFP®.

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Education

Despite Scary Headlines, No Big Changes to Social Security’s Outlook

Every year the Trustees of the US Social Security and Medicare trust funds provide their report on the current and projected financial status of these programs. Gail Buckner, CFP, our personal retirement and financial planning strategist, takes a look at this year’s scorecard from the Trustees. She says media headlines or political rhetoric suggesting Social Security is near death are greatly exaggerated.

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Alternatives

Short-Term Fears Seem to Affect Millennial Investors in Particular

Many investors who lived through the Global Financial Crisis of 2007-2009 still might bear some scars, according to Franklin Templeton’s annual Retirement Income Strategies and Expectations (RISE) survey. Michael Doshier, vice president, retirement marketing, offers highlights from the survey and examines how reactions to severe market shocks may impede us from reaching our long-term investment goals.

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Education

Spryng into Saving for College

As the cost of a college education continues to rise, parents (and their children) are coming up with creative ways to finance it. Roger Michaud, senior vice president and director of sales for Franklin Templeton’s 529 College Savings Plan, discusses some tips and strategies to help fund a college education, including a new platform leveraging the concept of crowdfunding.

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Education

The Least-Known Tax Break?

Gail Buckner, CFP, our personal retirement and financial planning strategist, walks through a little-known tax credit called the “Saver’s Credit” you may want to learn more about.

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Education

Cracking the Code on Social Security Benefits

Gail Buckner, CFP, cracks the code on how Social Security benefits are calculated, and offers some strategies on how to maximize it.