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Kiplinger's Personal Finance - September 2025

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In dieser Ausgabe

Stay a step ahead in a fast-changing market with our favorite exchange-traded funds.

The Best Stocks of the Century

Plan a Trip to Explore Your Family’s Roots

Cut Your Taxes With a Roth Conversion

FOUR CAREER MOVES TO MAKE NOW

Worried about a recession? These steps to protect your job prospects will help you professionally whether a downturn develops or not.

4 mins

AS GEN X NEARS RETIREMENT, CHALLENGES LIE AHEAD

Tapping home equity and working longer are key strategies that can help overcome a savings shortfall.

3 mins

HOW TO MANAGE THE COST OF YOUR CHILD'S WEDDING

As the price of getting married soars, footing the bill is becoming a true family affair.

2 mins

THE BIG BEAUTIFUL BILL BRINGS BIG CHANGES FOR TAXPAYERS

Older adults and homeowners in high-tax states will benefit, but some energy-saving tax credits will go away.

4 mins

STAY A STEP AHEAD WITH OUR FAVORITE ETFs

The world of exchange-traded funds is evolving fast. Use our guide to build a lasting portfolio.

10+ mins

THE BEST STOCKS OF THE CENTURY

As we near the 25-year mark, we looked at which stocks have returned the most.

10+ mins

STOP BEING YOUR OWN WORST ENEMY

A veteran money manager shares common investing errors and how to avoid them.

5 mins

China: Danger and Opportunity

WHEN I last wrote about China— five years ago, in the midst of COVID—some readers were critical. Why encourage us to invest in an adversary? China has certainly been a bad actor, threatening Taiwan, supporting the Russian invasion of Ukraine, suppressing dissent, oppressing ethnic and religious groups. But the U.S. is not at war with China, we allow Chinese firms to list on our exchanges, and we encourage Chinese investors to buy U.S. Treasuries (current holdings: $757 billion).

4 mins

Where You Can Retire Like a Millionaire

With posh apartments, spas, string quartets and haute cuisine, luxury continuing care communities pamper residents in style

6 mins

KNOW WHAT YOU'RE GETTING INTO

There are four basic models of contracts with continuing care retirement communities, and many variations on the concepts, depending on state regulations and the property.

2 mins

Time Is Running Out on Social Security Benefits

SOCIAL SECURITY PAYMENTS WILL BE CUT automatically in just eight years unless Congress acts to revamp the program's financing.

4 mins

Stocks to Get You Through a Recession

AFTER GAINS OF MORE THAN 20% FOR THE S&P 500 Index in both 2023 and 2024, investors are adjusting to a changed reality in 2025.

3 mins

Stocks vs. Funds: It All Depends

Choosing between individual stocks and equity mutual funds depends on your preferences, financial goals and risk appetite.

1 mins

What’s a Decent ROI on Retirement Time?

IN DOING THE HARD WORK OF WRITING THIS column, I came to frame its evolving concept as: “French Cinema vs. the Trailer Park Boys.” The idea popped into my head during a conversation with my wife, Pam, about how much sense it makes to “invest” in certain activities in semi-retirement.

2 mins

A DISCIPLINED OVERSEAS STRATEGY

WHEN other investors start to lose interest in certain stocks, Fidelity International Growth fund manager Jed Weiss says, \"my ears perk up.\"

1 mins

Where to Get Foreign Dividends

I'VE long admired the popular Pacer U.S. Cash Cows exchange-traded fund (symbol COWZ). Less well known is that Pacer employs its free cash flow and dividend strategy overseas.

2 mins

FIND THE BEST BANK FOR YOU

Don't settle for a bank that no longer fits your needs. Whether you prioritize high yields, low fees, premium services or other features, we have great options for you.

10+ mins

Get on Top of Costly Medical Bills

If you’re looking for a way to pay for looming health care expenses, or if you’ve already fallen into debt, you have avenues to ease the burden.

8 mins

Financial Gifts for Grandchildren

IN my most recent column (see “Money Smart Women,” July), I offered advice from readers on creative ways of giving gifts to their grandchildren. As promised, I'm following up this month with ideas from readers who focus on financial gifts to teach their grandkids long-term lessons on saving, investing and managing their money.

2 mins

The Pitfalls of a Cash Advance

NEARLY one in four Americans don't have an emergency fund, according to Bankrate.

1 mins

A GUIDE TO ROTH CONVERSIONS

Moving funds from a traditional IRA or 401(k) to a Roth account can help you avoid hefty tax bills. But watch out for costly unintended consequences.

10+ mins

Money Smart Ways to Give Back

THE Washington Post recently profiled a man from Baltimore County, Md., who spends his free time— actually, pretty much all of his time—retrieving illegally abandoned tires from stagnant creeks and mosquito-infested swamps.

2 mins

STOCKS CAN SURVIVE GEOPOLITICS

GEOPOLITICAL shocks—terrorist acts, wars or military action—can give your portfolio a significant negative charge. The leading geopolitical source of market instability in 2025 has been the Middle East, as in years past. Israel's decision to attack nuclear facilities in Iran in an attempt to retard that country's weaponization efforts prompted a 1.1% drop in the S&P 500 index on June 13.

3 mins

What You Need to Know About the New Rules for Student Loans

Whether you're paying off education debt now or planning to borrow in the future, get ready for bigger payments and lower loan limits.

5 mins

EXPLORE YOUR ROOTS ON A HERITAGE TRIP

With some research and preparation, you can design a meaningful tour of your family's ancestral home.

8 mins

SHOULD YOU TAKE A DNA TEST?

Services such as AncestryDNA, 23andMe and MyHeritage DNA offer DNA testing kits. After you send in a sample of your saliva, the service uses it to analyze your genetic information and compares it to the DNA of other people worldwide. Then you'll get a report detailing the geographic regions where your ancestors may have lived.

1 mins

PRESERVING STORIES FOR GENERATIONS TO COME

StoryCorps has recorded conversations between thousands of people, and anyone can participate.

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.