Target-date funds are designed for investors with a specific retirement date in mind, automatically adjusting their investment mix to become more conservative as that date approaches. 

These funds typically hold a variety of mutual funds rather than individual stocks or bonds, making them a diversified “fund of funds” that simplifies asset allocation. Early in an investor’s career, target-date funds emphasize growth by leaning heavily on equities, then gradually shift toward bonds to preserve capital as retirement nears. 

Each fund follows a predetermined glide path, which guides the transition from aggressive to conservative investments over time. Investors benefit from a hands-off approach, as the fund handles rebalancing and risk adjustments without the need for active management. 

Finsum: Overall, target-date funds offer a convenient, age-based solution that combines diversification, risk control, and simplicity in a single investment vehicle.

Bitcoin climbed over 2% on Friday to $83,959, outperforming equities after China announced retaliatory tariffs against U.S. goods. While most major cryptocurrencies like Solana and Dogecoin also gained around 6%, crypto-related stocks such as Coinbase fell, though MicroStrategy rose nearly 4%. 

Analysts suggest the decentralized nature of crypto may insulate it from geopolitical shocks, potentially attracting capital away from traditional markets. 

Investors reacted sharply to escalating trade tensions, with China’s 34% levy mirroring Trump’s earlier tariff hike, further pressuring U.S. markets. Despite recent volatility, bitcoin has held steady in the $80,000–$90,000 range, showing resilience compared to stocks. 

Finsum: As global trade realigns and dollar reliance weakens, bitcoin is increasingly seen as both a liquidity source and a hedge against uncertainty.

In a high-inflation environment, variable annuities offer a unique blend of investment growth and guaranteed income, making them an attractive option for certain retirees. Unlike fixed annuities, their value rises and falls with market performance, allowing for inflation-beating potential over time. 

They also provide tax-deferred growth and the option to convert savings into a predictable income stream that can last for life. Optional riders can offer added benefits like long-term care coverage or income guarantees, though these come with additional fees. 

However, high costs, market risk, and limited liquidity make them unsuitable for all investors. 

Finsum: For those who’ve maxed out other retirement vehicles and can tolerate some risk, variable annuities may help protect purchasing power while delivering steady income.

Protective Aspirations variable annuity offers clients flexibility and guaranteed lifetime income, addressing retirement concerns like market volatility, healthcare costs, and evolving financial needs. With features like SecurePay Protector, it enables higher early retirement income, while also adapting to unforeseen challenges. 

The single-age withdrawal rates stand out, allowing retirees to maximize value based on their exact retirement age rather than broad age bands. For healthcare, the SecurePay NH benefit provides additional income during nursing home stays without impacting lifetime guarantees.

 Protective’s focus on customization and strong guarantees ensures financial professionals can build tailored strategies for long-term stability and adaptability. 

Finsum: Variable annuities offer an appealing solution for those who want a little more flexibility in  their annuity  options for 2025

Artificial intelligence is becoming crucial in financial advisory operations, automating tasks and enhancing efficiency. This allows advisors to focus more on client interaction and strategic work.

 AI leverages big data and advanced analytics to identify patterns, detect market trends, and anticipate client needs with greater precision. Consequently, clients receive more personalized advice and recommendations. 

Additionally, integrating various financial technologies enhances client engagement and produces better outcomes. The rise of open architecture ecosystems enables the integration of best-of-breed solutions tailored to a firm’s specific needs.

Finsum: AI tools can be used for simpler tasks like client outreach and personalization but also for more advanced tasks like portfolio construction.