An Update on the Crypto Industry

An Update on the Crypto Industry Hilltop Wealth Solutions

In 2022, the crypto industry was shaken by as capital fled the crypto markets as inflation emerged and the economic recession ensued. Shady and even fraudulent activities were uncovered at some of the most established companies. Cryptocurrencies that were once considered by some as somewhat stable collapsed as a result. So, what is going on […]

2 Reasons 2022 Challenged the 60/40 Portfolio Allocation Strategy

2 Reasons 2022 Challenged the 60/40 Portfolio Allocation Strategy

The 60/40 allocation strategy is frequently recommended when beginning your investing journey. With 60% of your portfolio in equities and 40% in bonds or other fixed-income investments, this approach has traditionally provided a balanced benefit, with high growth potential from stocks and a safety net from bonds.[1] The assumption was that stock and bond markets would […]

How Rising Interest Rates Affect Your Retirement Plan

How Rising Interest Rates Affect Your Retirement Plan Hilltop Wealth Solutions

The economy in 2022 has set multiple records, first with the highest inflation rate in 40 years, and now with the highest federal reserve interest rates since 2008.[1] The US Federal Reserve has raised interest rates six times in 2022, reaching a total of 3.75% in November to curb rampant inflation.[2] Higher interest rates should […]

Index and Mutual Funds – Key Differences

Index and Mutual Funds – Key Differences Hilltop Wealth Solutions

While an index fund and a mutual fund may appear identical on the surface, there are numerous key differences between them that might be vital to your retirement portfolio. Both index funds and mutual funds diversify assets, and they are typically invested in a basket of stocks that aims to meet certain investment goals. Overview […]

These 5 Risks Affect the Wealthy Retiree More Than You Thought

These 5 Risks Affect the Wealthy Retiree More Than You Thought Hilltop Wealth Solutions

Having a great deal of wealth to preserve might seem straightforward. However, the quantity and value of assets you have to safeguard create unique difficulties that are specific to their wealth. There are numerous wealth-preservation and investment principles that are applicable to everybody—for instance, establishing a tax policy, assessing a portfolio’s risk exposure, and more—however, […]

Don’t Let Your Emotions Control Your Finances

Don’t Let Your Emotions Control Your Finances Hilltop Wealth Solutions

If you’ve followed markets or financial news, especially in the past few years, you may have felt certain emotions when your portfolio makes a big jump or declines steeply. When markets keep going up, emotions can start to creep in and tell you to overweight your risky assets. It can start to feel like you’re […]

Don’t Let Your Emotions Control Your Finances

Don’t Let Your Emotions Control Your Finances Hilltop Wealth Solutions

If you’ve followed markets or financial news, especially in the past few years, you may have felt certain emotions when your portfolio makes a big jump or declines steeply. When markets keep going up, emotions can start to creep in and tell you to overweight your risky assets. It can start to feel like you’re […]