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Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over ...

Michael is a former senior editor of investing and trading products for Investopedia. He has 20+ years of mutual fund, macro market research, institutional trading desk, and trading education ...

Expertise from Forbes Councils members, operated under license. Opinions expressed are those of the author. Membership (fee-based) Forbes Finance Council is an invitation-only, fee-based organization ...