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Retirement Plan Contribution Limits Are Movin’ On Up

As we cruise through the final quarter of 2021 and look forward to the holidays, we find that the IRS has given investors an early gift with their recent announcement of higher retirement plan contribution limits beginning next year. For tax year 2022, annual employee contribution limits for 401(k) plans, 403(b) plans, most 457 plans and Thrift Savings plans will rise to $20,500 which is an increase of $1,000 from current contribution limits. “Catch-up” contributions, for those age 50 and up, will remain unchanged at $6,500, putting the maximum standard employee contribution at $27,000.

For smaller businesses that offer their…

Will the 2016 Election Year Affect Your Investments?

It’s been said that “all politics are local,” but in 2016, the big headlines will no doubt be driven by the national presidential election process. The candidates, their words and actions will be gleaned over, but what does it all mean to the markets, specifically stock returns?

Looking at historical data1 from 1928 to 2014, the S&P 500 index2 has delivered a positive return in 18 of the 22 presidential election cycles, with four negative returns – most notably in 2000 and 2008. The average of the positive years was 17.08% while the average of the negative years was -16.22%….

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