{"id":4,"date":"2026-09-02T17:00:00","date_gmt":"2026-09-02T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wealthsmartadvisory-com\/2026\/09\/02\/us-invest-in-2026-with-index-funds-and-iras\/"},"modified":"2026-09-02T17:00:00","modified_gmt":"2026-09-02T17:00:00","slug":"us-invest-in-2026-with-index-funds-and-iras","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/09\/02\/us-invest-in-2026-with-index-funds-and-iras\/","title":{"rendered":"US: Invest in 2026 with Index Funds and IRAs"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/start-investing-in-2026-by-building-an-emergency-fund-maxing-401k-matches-and-buying-low-c-remotion-videos-ba96\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Current IRA limits gave US savers more room: up to $7.5K if under 50, or $8.6K at 50+, for retirement contributions this year.<br \/>\nLow-cost index funds stood out because annual fees averaged below 0.1%, versus ~0.5% for active mutual funds, helping more long-term returns stay invested.<br \/>\nDollar-cost averaging means investing the same amount regularly, regardless of conditions, so investors can buy more shares when prices are lower and fewer when higher.<br \/>\nAutomatic 401(k) and IRA contributions can build discipline, reduce knee-jerk reactions during volatility, and support retirement savings goals, with experts suggesting ~10%-15% when possible.<br \/>\nFor beginners, some index funds offer zero expense ratios and no minimums, reinforcing a simple path: automate regular investing inside retirement accounts.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Current IRA limits gave US savers more room: up to $7.5K if under 50, or $8.6K at 50+, for retirement contributions this year. Low-cost index funds stood out because annual fees averaged below 0.1%, versus ~0.5% for active mutual funds, helping more long-term returns stay invested. Dollar-cost averaging means investing the same amount regularly, regardless [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":30,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/4","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=4"}],"version-history":[{"count":0,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/4\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/30"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=4"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=4"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=4"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}