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Kiplinger's Personal Finance Magazine - November 2025

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In this issue

A RECIPE FOR INVESTING SUCCESS
A well-diversified portfolio will lower your risk, smooth your returns and increase your odds of owning unexpected winners.

New Members of the S&P 500
The large-company index replaces four of its stocks.

Income Investing
My quest for higher yields,by JEFFREY R. KOSNETT.

Open-Enrollment Guide:Choose the Best Health Plan for You

What You Need to Know About Retiring Solo

How to Save on a Trip to the Winter Olympics

Financial Benefits for Military Families

IF you read my column regularly, you may know that I'm a military spouse. My husband, Tom, has served for 19 years. Currently, he's a full-time pilot in the Air National Guard, and he previously spent more than a decade as an active-duty member of the Air Force.

2 mins

FINANCIAL STRESS IS ON THE RISE

Tariffs, high prices and an uncertain economy getting you down? These steps can help.

4 mins

MANAGING MONEY FOR A LOVED ONE WHO CAN'T

Becoming a financial caregiver for an aging or ill relative will go more smoothly if you plan for the possibility in advance.

3 mins

SIMPLE FIXES FOR BIG SAVINGS ON HOME HEATING

With fuel prices expected to rise 10% or more this winter, making your home more energy efficient will really pay off.

3 mins

WHAT'S NEXT FOR THE FED

The U.S. central bank was already contending with economic challenges. Now comes a political one.

2 mins

A RECIPE FOR A WELL-DIVERSIFIED PORTFOLIO

For years, large U.S. stocks were all you needed. A broader mix is better now.

10+ mins

OUR TOP ESG PICKS FACE A STORM

Most of our favorite stocks and funds focused on environmental, social and corporate governance issues struggled in an increasingly hostile climate.

10+ mins

NEW MEMBERS FOR THE S&P 500

FOUR new stocks are joining the S&P 500 index, instantly becoming components in dozens of index funds that track the broad-market benchmark. That includes the Fidelity 500 and Vanguard 500 index funds, listed below. The two funds are the second- and third-largest mutual funds, combined boasting more than $1.3 trillion in assets. More than $4 trillion is invested in S&P 500 index funds (including mutual funds and exchange-traded funds), according to Morningstar Direct.

1 mins

Exploring Emerging Markets

WITHIN two years of the dotcom bubble bursting in 2000, the tech-heavy Nasdaq index lost three-fourths of its value. This isn't 25 years ago, but if you think the U.S. stock market is getting too expensive for its own good, you have a reasonable case.

5 mins

A BROAD APPROACH TO INNOVATIVE TRENDS

KIPLINGER ETF 20 UPDATE

1 mins

My Quest for Higher Yields

MARKET action along with recent readings on employment and inflation imply the onset of a troublesome cycle: shrinking cash yields with negative pressure on returns for long-term high-grade corporate and Treasury bonds. Despite the knee-jerk Treasury-bond rally sparked by the dismal early-September jobs report, I expect interest rates to ascend sharply along the outer years of the yield curve—regardless of the Federal Reserve's imminent campaign to ease short-term rates.

2 mins

WE ADD A NEW MID-CAP FUND

KIPLINGER 25 UPDATE

1 mins

FIND THE RIGHT HEALTH PLAN DURING OPEN ENROLLMENT

You may face sharply higher out-of-pocket costs for health care next year. Use our guide to select an insurance plan that meets your needs at the best price.

10+ mins

YOUR QUESTIONS ABOUT QCDS

The editor of The Kiplinger Tax Letter responds to readers asking about qualified charitable distributions from an IRA.

3 mins

Take Control of Your Finances

RECENTLY I was stopped in my tracks by a newspaper column headlined “I Was Terrible at Money. My Daughter Should Learn From My Mistakes.” The young woman columnist went on to say her own mother had taught her that it was “vulgar to talk or even really think about money.” As a result, she laments, “I am somehow terrified of anything to do with finances.” And she “sometimes worries about passing along these extraordinarily unhelpful attitudes to my own children.”

2 mins

Credit Score News for Home Buyers

UNTIL recently, lenders that sell mortgages to Fannie Mae and Freddie Mac, the government-sponsored enterprises that guarantee about half of U.S. mortgage debt, could review credit scores only from FICO to help determine whether an applicant qualifies for a loan. But now those lenders also have the option of using VantageScore, a competing score owned by the three major credit-reporting companies (Equifax, Experian and TransUnion).

1 mins

RETIRING ON YOUR OWN? A GUIDE FOR SOLO AGERS

If you're single without adult children to rely on for help, planning for your older years requires an added layer of intention and urgency.

10+ mins

Take a Bite Out of Dental Costs

Many Medicare Advantage plans include dental care, but there are restrictions.

3 mins

WHAT A BALANCE SHEET REVEALS

Knowing how to read this financial statement can help you separate strong companies from struggling ones.

5 mins

Smart Strategies for Paying Your Child an Allowance

By giving your kids money to spend and save, you'll help them sharpen their financial skills at an early age.

5 mins

NEW RULES FOR TRAVELERS

Changes are afoot for domestic flights-and for some international trips, too.

2 mins

CHOOSE THE BEST CHARITIES FOR YOUR DONATIONS

While you set your giving strategy, think about your values, and select organizations that will put your contributions to good use.

10+ mins

Ciao, Italia! Eight Ways to Save on a Trip to the 2026 Olympics

WHETHER you're looking to experience breathtaking natural beauty in the Dolomite mountains or the urban buzz of a global design capital, northern Italy may already be high on your list of vacation destinations. Add in the chance to attend the Winter Olympics, taking place from February 6 to 22 in Milan and the Cortina d'Ampezzo ski resort, and you may be looking at a once-in-a-lifetime vacation.

4 mins

Guiding Families Through Life's Final Chapter

An end-of-life doula offers support to people who are dying as well as their loved ones.

2 mins

Read all Stories from Kiplinger's Personal Finance

Kiplinger's Personal Finance Magazine Description:

Publisher: Future

Category: Investment

Language: English

Frequency: Monthly

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.