School of Saving and Investing

The School of Savings & Investing, presented by Meld University, conducts classes and publishes articles to help you stay abreast of the world of investing.

A widow appearing distressed and speaking to her financial advisor about her will, estate plan and financial plan following her partner’s death.
Why Couples and Widow(er)s Should Meet with a Financial Advisor
 April 7, 2022

School of Saving and Investing

Working with a financial advisor can help couples create an estate plan and help widow(er)s deal with new financial burdens.

A flat, digital map of the globe with red dots and lines that illustrate the reach of geopolitical distress and the risk it can present for investments.
How the Geopolitical Environment Impacts Investments
 March 31, 2022

School of Saving and Investing

Find out how geopolitical risk can impact investment performance and what actions investors can take to mitigate the negative effects.

The word inflation over a backdrop of coins and a cityscape with graph arrows pointing up indicating rising rates.
How Could Inflation and Rising Rates Impact Your Investments
 March 10, 2022

School of Saving and Investing

Inflation and rising rates can impact the performance of your portfolio, but careful planning can help mitigate these risks.

A hand touching a digital screen with the word Bonds, indicating the article is centered around why you should hold bonds in your portfolio.
Why Should I Have Bonds in My Portfolio?
 February 9, 2022

School of Saving and Investing

Bonds are debt instruments that pay investors a steady stream of income in return for their cash up front. But income is only one of the benefits that bonds can add to a portfolio. In today’s economic environment, many investors are concerned with how monetary policy will affect their bond positions. That’s because inflation typically… Read more »

The word pro rata as it appears in the dictionary implying the article is focused on the pro rata rule for retirement contributions.
Backdoor Roth Contributions and the Pro Rata Rule
 November 19, 2021

School of Saving and Investing

The backdoor method allows high earners to contribute to a Roth IRA, but the Pro Rata rule can present a challenge.

The letters ‘401K’ made from gold blocks are on fire, meant to indicate an oversight has ruined a retirement plan.
6 Simple Oversights That Can Ruin Your Retirement Plan
 October 8, 2021

School of Saving and Investing

Saving for retirement is crucial for most Americans to enjoy their twilight years, but these 6 mistakes can ruin your retirement plan.

Red white and blue buttons with stars, stripes, and “CARES Act”. The CARES Act makes important changes to Required Minimum Distributions (RMD’s) for Retirement Accounts.
What the CARES Act means for Required Minimum Distributions (RMD’s)
 August 13, 2020

School of Saving and Investing

The majority of media buzz on the CARES Act has been about fiscal stimulus. However, those nearing retirement should pay attention to RMD modifications for 2020.

Sidewalk with Facts (left) and annuities (right) person deciding which way to go - Annuities - Myth vs Fact presented by Meld University
Annuities: The Basics, and the 2 Biggest Myths
 August 24, 2019

School of Saving and Investing

Annuities have gotten a great deal of attention in the media lately. In this article we examine the basics and the 2 biggest myths surrounding investing in annuities.

family packing boxes
Situational Investing – The Concept
 February 1, 2019

School of Saving and Investing

Situational Investing – the concept is simple at first glance. People know they should invest according to their specific situation, but it not that simple.