2011 was a tough year for investments, but consumers could have opportunities to rebound in 2012. SmartMoney’s Glenn Ruffenach offers five tips for maximizing your returns over the next 12 months: examine benefits plan fees; take advantage of low interest rates to pay down debt; make gifting plans early, before time is up on the Tax Relief Act of 2010; watch for increased Medicare taxes, then build a plan to soften this blow; and, finally, one bit of advice that may be good to keep in mind well beyond 2012: find an investment allocation you’re comfortable with and then stay the course. Why? In a rocky market environment, research shows that investors who stick with their allocations — stocks included — fare best.
Rugel has been the senior vice president of life and annuity operations at Allstate.
One session topic was how to use health risk assessment data without coming off as creepy.
Martin recently ended a term as chair of the American Council of Life Insurers.
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