In this issue: PLAYING YOUR CARDS RIGHT Using savvy strategies, such as amassing sign-up bonuses for new rewards credit cards, can translate into free flights or hundreds in cash back each year, YOUR MIND AND YOUR MONEY How much risk can you stand? by ANNE KATES SMITH, 10 GREAT ALL-WEATHER STOCKS Our mix of defensive companies and those with good growth prospects should thrive in a rising market and withstand a fall if stocks tumble, WHY INTEREST RATES MATTER How Federal Reserve rate hikes and higher bond yields affect the economy and your wallet and much more...

GROW YOUR WEALTH

We’ll help you sow the seeds of a bright financial future or tend to what you’ve already planted.

The Benefits of a Phased Retirement

A Look at Warren Buffett’s Portfolio 

OUR 25 FAVORITE MUTUAL FUNDS

Home prices will likely rise in some markets, including Toledo, and fall in others.

A Dividend Aristocrat Stumbles
Walgreens has cut its payout for the first time in 47 years. 

Street Smart
The beauty of boring stocks, by JAMES K. GLASSMAN.

2024 Mutual Fund Guide
With stocks rebounding in 2023, many funds posted nice gains. We list the top-performing stock funds in 11 categories over one, three, five and 10 years.

Take the Middle Road
Midsize companies are less risky than small fry and still have a lot of room to grow.

The Newest Allocation Fad?
Some say 25x4 is the new 60/40..

Funds to Help You Tap Your Nest Egg
These products and services are designed to help retirees spend and invest their savings wisely.

Searching for the Next Big Thing
We found out what’s top of mind for ARK Invest’s Cathie Wood...

Make the Most of Your 401(k)
We scrutinized the 75 largest funds in employer-based plans.

Lessons in Money Management
The University of Kentucky is offering to seed brokerage accounts for all of its students..

A Challenging Year for Dividend Stocks
Dividend-paying stocks have fallen out of favor, which may spell opportunity for investors. We review our 15 favorite dividend payers.

Bye-Bye Mutual Fund, Hello ETF
More mutual funds are converting to exchange-traded funds—and reducing fees.

Master the World of Indexing
Funds that use customized benchmarks and options-based strategies have made index investing more complicated. Our guide breaks it down.

The Allure of Retiring Abroad
More retirees are pulling up stakes and heading overseas. Although it’s more complicated than moving to Florida, the rewards could make it eminently worthwhile..

CONQUER YOUR RETIREMENT FEARS
Giving up a paycheck can be daunting. We’ll show you how to retire with confidence.

Estate Taxes
Even if you’re not wealthy, your heirs may be surprised by the bill.

How to Invest in AI
We found stocks and funds poised to gain from the boom in artificial intelligence.

The Kiplinger ETF 20: Back in the Black
Our favorite exchange-traded funds are profitable once more.

An Inheritance With Strings Attached
Adult children who inherit a traditional IRA contend with new rules that could leave them with a hefty tax bill.

THE STAYING POWER OF LUXURY COMPANIES 
During times of economic uncertainty, companies representing the ultimate in consumer ism typically thrive.

YOU’LL PAY MORE TO SHOP IN THESE STATES 
These states have the highest sales taxes, based on the average combined state and local tax rates.

VANGUARD FACES THE FUTURE 
The company founded by Jack Bogle that pioneered low-cost investing is now confronting a problem: Competitors are matching its low fees—and delivering better customer service.

AUNT KIM STARTS A FAMILY INVESTING CONTEST 
Senior associate editor Kim Clark found a fun way to get her nieces and nephews interested in investing and to start saving early.

ANGLING FOR HIGH YIELDS IN TODAY’S MARKET Now that the Federal reserve has hiked interest rates, bonds and some other assets are finally sporting attractive yields. Our guide identifies compelling income-producing investments in nine categories.

IT’S PRIME TIME FOR SMALL-COMPANY STOCKS As a group, the stocks of small companies look like bargains now. Price-earnings ratios lower than they have been in many years, and their shares tend to rally before an economic rebound gets going in earnest.

BERKSHIRE’S BUYS AND (MOSTLY) SELLS 
What is the Oracle of Omaha investing in (or not investing in) these days? A look at Berkshire Hathaway’s SEC filings reveals... a clear trend.

GOOD NEWS ABOUT PAYING FOR COLLEGE
With fewer students entering college, some schools are freezing or even cutting tuition—although higher education still isn’t cheap. Fortunately, you can take advantage of a variety of smart ways to save and get help with the cost.

Make the Most of Your BIGGEST ASSET
Strategies for buying and selling your home, tapping your equity and helping your kids buy their first house.

2023 MUTUAL FUND GUIDE The past year was hard on stocks, and stock funds suffered. But some did a lot better than others. We list the top-performing stock funds in 11 categories over one, three, five and 10 years.

IS THE WALK DOWN WALL STREET STILL RANDOM? We talked with Burton Malkiel, who has recently published a 50th anniversary edition of A Random Walk Down Wall Street, to get his thoughts on the markets and investing today.

THE RIGHT ROBO ADVISER FOR YOU
Thanks to fierce competition among roboadviser firms, even beginning and small investors can now get top-notch portfolio advice and management at vanishingly low prices—in some cases, for free. PLUS: We compare performance and fees for 10 robo advisers.

FIX YOUR FIXED-INCOME PORTFOLIO
Most analysts agree that the worst bond rout in decades is behind us. We’ve prepared a fixedincome action plan that should help you prosper in what promises to be a brand-new bond market.

BOGLEHEADS STAY THE COURSE 
Followers of the legendary founder of Vanguard have a simple strategy to deal with a volatile market.

WE RATE THE BIGGEST 401(K) FUNDS
For the largest actively managed funds in 401(k) plans, we tell you whether to buy, sell or hold..

OUR DIVIDEND PICKS HOLD UP IN A BAD MARKET We’ve made a couple of changes to the Kiplinger Dividend 15 roster to double down on dividend growers instead of high yielders.

BESPOKE PORTFOLIOS PROMISE MORE CHOICE Products once available only to the wealthy are now being offered to cost-conscious index investors. There are plenty of caveats..

Invest Your MONEY to Match Your VALUES
The KIPLINGER ESG 20 are leaders on environmental, social or governance challenges— and they’re great investments for the long term.

HOW TO INVEST FOR A STRONG DOLLAR
With the greenback rising, some companies’ profits will suffer—but our picks should withstand a beefier buck or even benefit from it.

YOUR GUIDE TO OPEN ENROLLMENT
Health care costs are rising along with inflation, but not all employers are responding by offering only high-deductible insurance plans—and some are offering better access to mental health benefits and expanded virtual care. Use our guide to help make the most of your options.

HOW TO PLAY A SHIFTING ECONOMY
Many companies are striving to become less vulnerable to tariffs, supply-chain issues and political unrest by “deglobalizing.” These five firms are poised to benefit from the changes.

PROMISING NEW ETFS 
Two recently introduced funds aim to make money by investing in clean oceans and “green” commodities.

DIP BACK INTO THE BOND MARKET 
After a terrible stretch for bonds, the good news is that yields are up—which may signal an opportunity to begin putting money into bonds again.

HOW FOUR HOUSEHOLDS ARE FIGHTING INFLATION 
Higher prices are weighing on everyone. We asked people in different life stages what they’re doing to manage. Their strategies can help you deal with inflation, too.

MASTERS OF GROWTH INVESTING 
Ron Baron is one of the most successful growth-stock investors of all time. What’s his secret? Investing in businesses with a competitive advantage, holding for the long term—and steeping his team in the Baron philosophy.

THE BEST BANK FOR YOU 
Our annual ranking spotlights banks and credit unions with a winning combination of high rates, low fees and broad account offerings.

BUILD UP YOUR DEFENSES Funds that use alternative strategies can help shield your portfolio from outrageous (market) fortune. 

INCOME INVESTING Finding values in a volatile market, by JEFFREY R. KOSNETT.

Earn TOP YIELDS on Your Investments
We scoured 8 income categories, from super safe to aggressive.

PROFIT FROM HEALTHY PROFIT MARGINS
Companies with superior profit margins often perform better in tough times. We found six well managed firms that fit the bill.

How to Create WEALTH
Use these 13 strategies to craft a rewarding future.

BUFFETT LIGHTENS UP ON STOCKS
We check up on the Oracle of Omaha’s biggest purchases and sales for Berkshire Hathaway.

SECRETS OF SUSTAINABLE INVESTING - Amy Domini, a pioneer of ESG investing, talks with us about the benefits of investing in socially responsible companies.

STREET SMART How to win with game stocks, by JAMES K. GLASSMAN.

TOPIC A How to fight a property tax bill ...
Why you should put your credit reports on ice ...
Con artists target people who owe the IRS.

2022 MUTUAL FUND GUIDE The markets had a very good year, and most mutual funds did, too. We list the top-performing stock funds in 11 categories over one, three, five and 10 years.

THESE FUNDS AIM TO DOUBLE YOUR 
IMPACT Are funds that use their profits to support nonprofit organizations good investments?

HOW RETIREMENT SAVERS ARE DOING - Our exclusive poll shows how Americans are overcoming setbacks from the pandemic.

LIVING IN RETIREMENT - The challenges of being a caregiver, by JANET BODNAR.

WHERE TO INVEST IN 2022 - With markets getting back to normal, not all stocks will rise— and investors will have to keep an eye on inflation. Here’s what to expect and where to find opportunities. PLUS: Stocks to buy ... and sell.

THESE HEALTH CARE STOCKS SHOULD - THRIVE We found six innovative companies that harness new technology and reach growing markets. PLUS: Four winning health care stock funds.

STORMING BACK - Old-school energy stocks have surged, thanks to tight supply of fossil fuels and rising demand as the economy recovers.

ROARING TWENTIES 2.0 - The current decade has many similarities with the 1920s—a pandemic, a booming stock market, the arrival of new technologies. But the 2020s have significant differences, too. We look at five themes that present promising opportunities for today’s investors, while taking a lesson from history. 

A BOUNCE-BACK YEAR FOR DIVIDENDS - All of the stocks in the Kiplinger Dividend 15 hiked their payouts in a year that saw U.S. cor porate profits rebound sharply. 

SMART MOVES TO MAKE BEFORE YEAR-END - Take these steps before the New Year to tune up your portfolio, lower your taxes, boost your retirement savings, manage your benefits, protect your credit and more. PLUS: Time to use your credit card rewards?

May 2024

April 2024

March 2024

February 2024

January 2024

December 2023

November 2023

October 2023

September 2023

August 2023

July 2023

June 2023

May 2023

April 2023

March 2023

February 2023

Whether you're a seasoned investor or just starting on your financial journey, Kiplinger's Personal Finance offers guidance tailored to your needs. From tips on saving for college and buying a home to optimizing your portfolio and planning for a secure retirement, the magazine equips readers with the knowledge and tools to achieve financial stability and prosperity.

With a legacy spanning over 70 years, Kiplinger's Personal Finance has been a go-to resource for individuals seeking practical advice, expert insights, and valuable tips to manage their money effectively.

Within the pages of Kiplinger's Personal Finance, you'll find a wealth of information on topics such as budgeting, investing, retirement planning, taxes, and much more. The magazine offers a mix of engaging articles, expert analysis, and real-life success stories, providing readers with actionable strategies to navigate the complexities of personal finance.

Discover the power of Kiplinger's Personal Finance and unlock the secrets to financial success. Let the magazine be your trusted companion as you embark on a path toward financial well-being and take control of your financial future.

1. You agree that the use of Magzter.com, the application and its services, are at solely at your own risk. Neither Magzter.com nor its associates nor employees nor third party content providers guarantee that the service will be completely uninterrupted or error-free or foolproof against miscreant activities. Nor do they warranty that you will get the exact results as expected or promised by the website or product.

11. THE SERVICE AND ALL PUBLICATIONS ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS. MAGZTER, ITS AFFILIATES, SUPPLIERS, LICENSORS AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, NEITHER MAGZTER NOR ITS AFFILIATES, SUPPLIERS, LICENSORS OR AGENTS, MAKES ANY WARRANTY THAT (I) THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR THAT MAY BE CONTAINED IN THE PUBLICATIONS WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PUBLICATIONS OR THE SERVICE WILL MEET YOUR EXPECTATIONS. YOU ARE SOLELY RESPONSIBLE FOR OBTAINING AND MAINTAINING RELIABLE INTERNET CONNECTIVITY AND YOUR DEVICE. MAGZTER IS NOT RESPONSIBLE FOR YOUR INABILITY TO DOWNLOAD CONTENT. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MAGZTER OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY.

2. You will maintain and promptly update that information to keep it true, accurate, current and complete. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account, including the selection and use of all content and services.

2.You will maintain and promptly update that information to keep it true, accurate, current and complete. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account, including the selection and use of all content and services.

3. In no event will Magzter.com or any person or entity or third party involved in the creation, production and distribution of the content on the website and the application be liable in contract or legally for any damages, including and not limited to, direct, indirect, incidental, special, and consequential incurred to you while or on using Magzter.com. By registering on the website or downloading the application, you agree that the provisions mentioned in this section shall apply to all use of and content on the website and the application.

3. Without prior written or authorised permission from Magzter, you should not modify, copy, distribute or sell any content obtained from Magzter as everything published here is the proprietary property of Magzter or its licensors. As such unauthorised use may also violate applicable laws including copyright and trademark laws, Magzter strictly prohibits these and will terminate your access and account if any such illegal activity is proved or detected. You should also stand liable for the damages caused by these unauthorised activities. Except as permitted by the Publication's lawful owner, you acknowledge that you do not acquire any ownership rights by downloading Publications accessed through the Service. Except as explicitly required under copyright law or permitted by the features of the Service you may not modify, reverse engineer, publish, transmit, display, participate in the transfer or sale, create derivative works of, or in any way commercially exploit or provide to a third party the content of the App, the Publications, or any portion of them without the express permission of Magzter and the owner of such content. We do not grant you any licenses, express or implied, to the intellectual property of Magzter or Magzter's licensors.

5. You specifically acknowledge that Magzter.com is not liable for any kind of defamatory or offensive or illegal conduct of other users or third parties or their content and that the risk of injury from the foregoing rests entirely with you.

8. Magzter reserves all rights to monitor the content published and inputted by you for the purpose of determining whether you are compliant with these terms and conditions and other operating rules determined by Magzter. Magzter has the right to take decisions about the content and delete them at its own will.

9. Magzter is a distributor and NOT a publisher of the Publications and so Magzter has no editorial control over the content, including opinions, advice, statements, services, offers etc., that is represented in the magazines. So Magzter will not take responsibility for the accuracy or the reliability for any information or facts provided therein or that is made available through the service, by anyone other than authorised Magzter employees who are acting on their official capacities. Accordingly, we have no editorial control over the Publications. Any opinions, advice, statements, services, offers or other information or content expressed or made available by third parties, including those made in Publications offered by the Service, are those of the respective author(s) or publisher(s) and not of Magzter. Magzter will not be liable for any loss or damage caused by your reliance on information obtained through the Service or from the Publications. The Service may contain links to other Internet sites and third-party resources and Magzter does not assume any responsibility or liability for communications or materials available at such linked sites. These links are provided for your convenience only. You are solely responsible for understanding any terms and conditions that may apply when you visit or place an order through a third-party site.

Details of the objectionable content, including its link on our platform

Download your favorite titles and read them offline, anytime and anywhere

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines and newspapers from thousands of best-selling titles.

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines from thousands of best-selling titles.

Gift your loved ones with a Magzter Gift Card instantly and give them the freedom to read their favorite magazines from {{magCount}} best-selling international titles.

Girish Ramdas is the Co-founder and CEO of Magzter, a New York based startup that has been making waves in the global digital publishing business. Magzter has crossed 80 million users since its inception in 2011 from more than 150+ countries with 1000s of magazines, newspapers and books from more than 4,500 publishers worldwide. He has more than 25 years of experience in cross-platform publishing, including print, mobile, and Web development. During this period, he has co-founded and run three successful start-up businesses. He has enabled magazine companies to go digital and helps them monetize their content across the digital world. Girish's deep industry experience in online, mobile and publishing ecosystems has made him an expert in acquisition, marketing and monetizing digital content across platforms globally.

In the event that you encounter any objectionable content on our platform, we have put in place a grievance redressal policy to address your concerns.

Magzter Inc. (“Company”, “we”, “us” or “our”) knows that you care about how your personal information is used and shared. Please read the following privacy policy (the “Policy”) to learn more about our privacy practices. By visiting any of the websites operated by the Company, and any sub-domains thereof, or using any of our mobile applications and other methods of content distribution (collectively, the “Service”), you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent that we will collect, use, and share your information in the following ways.

Magzter Inc. is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 80 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

Magzter is committed to providing a safe and secure platform for our users. Please note that Magzter is merely a platform for publishers to distribute their content. We do not control or endorse the content published on our platform. We cannot be held responsible for the actions of our publishers or their content.

Magzter is not responsible for compensating any party that has suffered damages or incurred costs due to any content, or part of the content, that violates their rights. Magzter is not liable to face any legal action in civil court for any violation of rights caused by any content, or part of the content, that infringes the rights of a third party.

Magzter offers the world’s largest {{allyoucanread}} subscription service called {{gold}} which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

Magzter offers the world’s largest “All-You-Can-Read” subscription service called Magzter GOLD which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

Name

Note: This will only share the cover and the publication information, but not the content.

Please fill out this form if you need any help regarding publishing your content on Magzter

Prior to Magzter, he was the President of Dot Com Infoway (DCI) and Galatta Media. His duties included strategic marketing, partnership development, and monetizing content globally. DCI grew from a small team of 3 in 2000 to 300 by 2011 and was dealing with web, software and app development for clients globally.

Since we launched, Magzter has been committed to partnering with global organizations to provide the greatest possible newsstand technology & service to our customers. Whether you are looking to offer magazine subscriptions to your customer database or just want to learn more, Magzter is committed to helping your business grow. To find out more, please fill out the questionnaire below:

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter Notice.

This Policy covers Company’s treatment of personally identifiable information (“Personal Information”) and other information about you and your computer or device that Company gathers when you are accessing the Service. We may collect Personal Information from you, as explained in more detail below, and we use this Personal Information internally in connection with our Services, including to personalize, provide, and improve our products, services, content, and advertising, and to allow you to set up a user account and profile, to contact you, to fulfill your requests for certain products and services, and to analyze how you use the Services. In certain cases, we may also share some Personal Information with third parties, but only as described in point 4.

This title is included with your Magzter GOLD subscription

To analyze the quality of content and provide appropriate feedback to publishers

We have designated a Grievance Officer to address any complaints related to objectionable content.

We request that any complaint related to objectionable content be sent to the Grievance Officer through email to the above-mentioned email address. We also request that you provide the following details when making a complaint:

and the App that provides you the capability to order, subscribe to and receive the delivery of various magazines, books, news and magazine and publication related content (collectively known as 'Publications') and to have these digital versions of the Publications delivered to you

c. We also collect information associated with your use of the application in order to make personalized recommendations. If you provide your third-party account credentials to us, you understand some content and/or information in those accounts (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and that Third Party Account Information transmitted to the Service is covered by this Policy.

f. The Personal Information we collect allows us to respond to your requests, improve our products and services, customize the advertising and content you see, and communicate with you about new products.

is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

n. We will also use usage information in order to ensure users adhere to our Terms of Use. For example, a user’s usage information will help us confirm that a user only downloads a magazine or other content a permitted number of times or to a permitted number of devices.

which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

Kiplinger's Personal Finance Magazine - February 2017

Kiplinger's Personal Finance Magazine - February 2017

In this issue

Great Ideas For $1000,$10,000 Or Even $100,000

De-Stress Your Life

Kiplinger's Personal Finance Magazine Description: