Years later, I helped her while she earned a teaching degree.
My wife, Natalie, supported me in our first year of marriage by working full-time so I could finish college. When there's a his and hers mentality in managing money, unity is rarely possible. Working together to manage your finances will build trust and provide peace, both in your finances and your relationship. Perhaps no other topic can create conflict and divide a couple more than money. Trust is a crucial component of a healthy marriage. Shouldn't that include your money?Ĥ Reasons Couples Should Be Joint In Their Finances And let's not forget, you've agreed to be in this together. I believe the rewards of joining your finances as a couple significantly outweigh the risks. They are not only for the rich and famous anymore, and it seems that more and more couples are considering the risks vs. Prenuptial agreements have increased fivefold in the past 20 years. Waiting to marry means men and women are bound to have more assets or more debt by the time they say "I do." This can significantly impact how couples manage their money after they marry. The average age of women and men getting married today is 27 and 29, respectively. Unfortunately, many challenges come with blending two people together, and finances is certainly one of those challenges. Additional information is available in our Client Relationship Summary (PDF).Every couple enters into a marriage believing and hoping for the best, and why shouldn't they? Marriage is a beautiful union created by God through which He intends to bless and grow his people. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus. Prospectuses can be obtained by contacting us.Įxpense Ratio – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. Always read the prospectus or summary prospectus carefully before you invest or send money. This and other information may be found in each fund's prospectus or summary prospectus, if available. 10 year returns are provided for funds with greater than 10 years of history.īefore investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. Returns include fees and applicable loads. Market price returns do not represent the returns an investor would receive if shares were traded at other times. Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid. Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. For performance information current to the most recent month end, please contact us. Current performance may be lower or higher than the performance quoted.
Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. The performance data contained herein represents past performance which does not guarantee future results. Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
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