Small-cap stocks, representing companies with smaller market values, often offer higher growth prospects but also increased risk. Diversifying through ETFs that track small-cap companies is recommended to reduce risk. Here are four recommended ETFs: Schwab US Small-Cap, iShares MSCI Emerging Market Small-Cap, Pacer US Small Cap Cash Cows 100, and Vanguard Small-Cap Value Index Fund. The appropriate allocation depends on individual risk tolerance and investment goals.
The IRS' Direct File program, which offers free tax filing, is now available in 12 pilot states. An estimated 19 million taxpayers are eligible this season, with filing limited to simple tax situations like W-2 income and standard deductions. While Direct File is only available in certain states, most taxpayers can use IRS Free File, which has even wider eligibility criteria and allows for both electronic filings and printable forms.
Despite being cautious investors, women outperform men in investments by 40 basis points. Investing expert Jennifer Shahade emphasizes calibrating risk, recognizing that not taking risks is itself a risk. Women miss out on gains by being overly cautious. To maximize returns, it's essential to avoid excessive caution, consider risk carefully, and invest in reputable companies with long-term growth potential.
