5 cybersecurity safety tips
Discover 5 cybersecurity tips to help protect yourself and your information online.
The institutional channel includes reinsurance and group annuity contracts related to pension group annuities.
Consumer finance apps offer a wide range of easy-to-use digital tools to help you stay financially fit.
Ready to jump in? You鈥檙e not alone.
A growing number of people say they are willing (or even eager) to put these tools to work. Consider these findings from a survey conducted by Forbes in partnership with 黑料吃瓜网*:
Of course, not all apps are created equal. Some tools can provide incorrect or biased information. Others can pose serious privacy risks. There鈥檚 still no substitute for human expertise and judgment.
As you debate how to add tech tools to your overall strategy, here are a few key questions to explore:
If you鈥檙e looking to stay up to speed on market shifts or find a better way to save or track spending, certain apps can help.
Apps such as , and , for example, offer a wide range of options to help you track your spending habits and stay on budget.
Wally can help you make budgeting decisions by tracking your spending, cash flow and bills. Monarch can track all of your transactions to help you see spending patterns. Tally uses AI to assist with paying off your credit cards.
If you鈥檙e ready to give one of these financial tools a try, it鈥檚 best to move with caution. Before diving in, ask friends and relatives if they鈥檝e been experimenting with financial wellness apps. Here are some questions to ask:
Most of these apps require access to your financial information 鈥� bank accounts, credit cards, PayPal and Venmo 鈥� to track your spending and savings. Before you give access to your accounts and financial information, find out how the company safeguards your sensitive financial and personal data.
When it comes to making financial decisions such as how much money to invest, where to invest it, and whether you鈥檙e saving enough for retirement, it is best to talk with a trusted financial professional.
Participants in the Forbes survey provided insights into certain aspects of their interactions with financial professionals, and the outcome was favorable.
The benefits of working with a financial professional you trust can鈥檛 be overlooked. Empathy and the ability to pick up nuances in personal interactions are human qualities that allow a financial professional to hear what鈥檚 important and tailor guidance specific to your goals.
The bottom line: tech tools can play a part in financial wellness, but they don鈥檛 replace the value of human connection. Working with a trusted financial professional to help you meet your financial goals, like saving enough for a remarkable retirement, is a key part of the equation.
Don't have a financial professional? We can help you find one.
Want the most from your retirement? Get smarter with Smart Strategies from 黑料吃瓜网. Your source for tips, tools and financial solutions that can help you live your best life.
*Forbes survey in partnership with 黑料吃瓜网, Nov. 2023.
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