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Kiplinger's Personal Finance - January 2026

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In dieser Ausgabe

2026 INVESTING OUTLOOK

Stock prices will likely continue to rise, but so could the risks. Here’s how to adjust your portfolio.

Tune Up Your Finances With These Low-Cost Digital Tools

A Guide to Buying Art Online

Choose the Best Funds in Your 401(k)
We review the 75 largest funds in employer-based plans and rate them “buy,” “sell” or “hold.”

2026 Money Calendar
Our list of notable dates will help you stay on top of your finances.

STRETCH THE 2026 SOCIAL SECURITY COLA

The 2.8% increase in payments may not seem like much, but these steps will help your benefits go further.

4 mins

ARE YOU PREPARED TO LIVE LONGER?

A new measure of longevity readiness indicates that for many Americans, the answer is no-and suggests what is needed to get on track.

3 mins

PREMIUM REWARDS CARDS: MORE PERKS, HIGHER FEES

Some issuers are hiking the annual fee on their flagship luxury credit cards by hundreds of dollars. Are they still worth using?

4 mins

HELPING YOUNG PEOPLE GET GOING ON SAVING

WHEN longtime personal finance journalist Jonathan Clements—creator of the popular Wall Street Journal column “Getting Going”—received a terminal cancer diagnosis at age 61, his friends asked how they could honor him. Perhaps a journalism award in his name?

1 mins

GET A HANDLE ON THE SOARING COST OF OWNING A CAR

Car ownership has gotten a lot more expensive. From January 2020 to August 2025, ownership costs surged by 41%, according to an index from Navy Federal Credit Union. That compares with a 25% climb in overall consumer prices over the same period, based on the consumer price index.

2 mins

2026 MONEY CALENDAR

These key dates and tips will help you make the most of your money in the new year.

7 mins

WE'RE STILL BULLISH ON STOCKS

But now is the time for investors to pull in their horns and dial down risk.

10+ mins

GIVING THE BULL THE BENEFIT OF THE DOUBT

KIPLINGER: What do you see ahead for financial markets in 2026? Do you have a target price for the S&P 500?

5 mins

WE MADE SOME GOOD MARKET CALLS; OUR STOCK PICKS WERE MIXED

If we had just stuck to our guns, our 2025 Investing Outlook, published in the January 2025 issue, would have been close to spot-on.

2 mins

SIX STOCKS TO BUY FOR 2026

Our picks span a range of industries.

3 mins

How the Biggest 401(k) Funds Stack Up

Our guide will help you choose well in your workplace retirement plan.

7 mins

Distance Yourself From the Fed

BONDS behave in mysterious ways. Hence you might be curious why, after the Federal Reserve cut its key interest rate for the second time in as many months, Treasury yields did not fall but instead took off. Even the short-term T-note yields surged in the wake of the October 29 rate announcement. In two days, bond funds lost substantial net asset value; iShares 20+ Year Treasury Bond coughed up 1.5%, equivalent to a 750-point drop in the Dow Jones industrial average.

2 mins

BE WARY OF THESE RARE EARTH FUNDS

WHAT natural resource has outdone gold in recent months? Rare-earth metals.

1 mins

My Top 10 Picks for 2026

FOR more than 30 years, I have offered an annual list of 10 stocks with the potential to beat the market in the 12 months ahead. My selections for 2024 notched the highest return ever, but my choices for 2025 flamed out. They scored an average of a mere 5.9%, compared with 21.5% for the benchmark S&P 500 index. Six out of 10 stocks fell, four by more than 20% each. What hurt me most? Not having any of the mega-capitalization tech stocks that provided the lift for the S&P 500. I correct the oversight this time around.

4 mins

CHANGES ARE AHEAD FOR THIS BOND FOND

INVESCO created its BulletShares suite of exchange-traded funds to help investors build bond ladders—a strategy that involves buying bonds with staggered maturity dates. But these funds can be useful in other ways.

1 mins

A CONTRARIAN APPROACH PAYS OFF

THE stock market draws a lot of investor attention, but bonds deserve some love, too. Over the 12 months ending October 31, the Bloomberg U.S. Aggregate Bond index climbed 6.2%. On a calendar-year basis, the index is on track to post its best return since 2020, thanks in part to relatively high starting yields and solid returns from corporate and securitized debt, particularly mortgage-backed bonds.

1 mins

CREATE A FINANCIAL PLAN WITH THESE TOOLS

Online programs for do-it-yourselfers are better than ever-and they're affordable, too.

9 mins

ROLLING OVER 529 FUNDS TO A ROTH

The editor of The Kiplinger Tax Letter responds to readers asking about transfers from a college-savings plan to a Roth IRA.

2 mins

Should You Renew Your CD?

AFTER you put money in a certificate of deposit, you can sit back while it collects interest over its term. Once it reaches maturity, you'll face a decision: renew it or withdraw the funds.

1 mins

WHAT SCIENCE REVEALS ABOUT MONEY AND A HAPPY RETIREMENT

Whether you're still planning or already retired, these research-based insights point the way to your best post-work life.

10+ mins

Downsizing Advice, Part II

My column on downsizing (see “Living in Retirement,” Oct.) struck a chord with readers. I heard from many who offered advice on successfully culling clutter.

2 mins

My Retirement Learning Curve

THE NEW WORLD OF RETIREMENT

2 mins

WHY COMPANY GUIDANCE MATTERS

Understanding how corporate profit forecasts affect analysts' estimates and stock ratings can help you make investment decisions.

4 mins

When Fair Doesn't Mean Equal

Here's how to leave different amounts to adult children without causing a family rift.

5 mins

WHAT TO KNOW ABOUT FLOOD INSURANCE

Even if your home is outside a high-risk area, you may want to purchase coverage.

2 mins

A GUIDE TO BUYING ART ONLINE

From virtual galleries to social media platforms, the internet offers plenty of places to shop for paintings, sculptures and other artwork without breaking the bank.

7 mins

A Helping Hand for the Homeless

This nonprofit offers shelters, job programs, support in finding a home and more.

2 mins

Lesen Sie alle Geschichten von Kiplinger's Personal Finance

Kiplinger's Personal Finance Description:

Herausgeber: Future

Kategorie: Investment

Sprache: English

Frequenz: 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.