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KIPLINGER’S PERSONAL FINANCE 05/2017 2 CONTENTS | HEALTHY LIVING | 64 BOOMERS GO BIONIC Joint-replacement surgery could let you get back in the game. 70 FROM THE EXPERTS How to beat jet lag. ALEX MARTINEZ | INVESTING | 50 THE KIP 25 FUNDS DELIVER Our favorite stock and bond mutual funds are on a roll. We introduce only two new faces this year. 58 7 GREAT ALL-AMERICAN STOCKS Sticking close to home should give them a leg up. 61 PRACTICAL INVESTING Can this fallen | AHEAD | 11 TOPIC A: How a tax on imports could affect you . . . Retailers use GPS to track your buying habits . . . Knight Kiplinger on money and ethics. 16 SUCCESS STORY Sharing a taste of the South, by PATRICIA MERTZ ESSWEIN. 18 OPENING SHOT Buy retail stocks at wholesale prices, by JAMES K. GLASSMAN. 22 MONEY SMART WOMEN All-stars of the Kip 25, by JANET BODNAR. KIPLINGER’S PERSONAL FINANCE FOUNDED 1947 VOL. 71 NO. 5 | IN EVERY ISSUE | 6 FROM THE EDITOR How to get good advice. 8 LETTERS Insure your income. 72 THEN AND NOW Merging their money and their goals. | MONEY | 24 MONEY MADE SIMPLE We know you’re stressed out. Our strategies can help you simplify, streamline and organize your financial life to free up both time and cash. 34 YOUR MEDICARE FAQS Newly eligible? Here’s what you need to know about the system. 37 GAME PLAN How can I reduce my property tax bill? ON THE COVER: Photograph by Nicholas Eveleigh 38 ROLL YOUR MONEY INTO AN IRA? We tell you when it makes sense to move your 401(k). 42 ASK KIM How long to hang on to tax records, by KIMBERLY LANKFORD. 43 CUT CAR INSURANCE RATES Our six-step plan can save you hundreds of dollars a year. 46 RETHINKING RETIREMENT Moving to be near the grandkids, by JANE BENNETT CLARK. 48 DRIVE TIME How to get a great deal on a new car, by DAVID MUHLBAUM. 49 CREDIT Deposit insurance has your back. n TOSHA TURNER IS USING A 529 PLAN AT WORK TO SAVE FOR COLLEGE FOR TWINS LINCOLN AND LYRIC (PAGE 13). biotech be revived? by KATHY KRISTOF. 62 INVESTING FOR INCOME What I’m telling worried readers, by JEFFREY R. KOSNETT. 63 MORE ABOUT INVESTING Fund rankings.

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Page 1: contents kiplinger’s personal finance founded 1947 · 38 roll your money into an ira? We tell you when it makes sense to move your 401(k). 42 asK Kim How long to hang on to tax

Kiplinger’s personal Finance 05/20172

contents

| H E A LTH Y LIVIN G |64 Boomers go Bionic Joint-replacement surgery could let you get back in the game. 70 From the experts How to beat jet lag.

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| IN V E S TIN G |50 the Kip 25 Funds deliver our favorite stock and bond mutual funds are on a roll. We introduce only two new faces this year.

58 7 great all-american stocKs sticking close to home should give them a leg up.

61 practical investing can this fallen

| AH E A D |11 topic a: How a tax on imports could affect you . . . Retailers use GPs to track your buying habits . . . Knight Kiplinger on money and ethics. 16 success story sharing a taste of the south, by PatRicia MeRtz essWein.

18 opening shot Buy retail stocks at wholesale prices, by JaMes K. GlassMan.

22 money smart women all-stars of the Kip 25, by Janet BodnaR.

kiplinger’s personal financefounded 1947

Vol. 71 no. 5

| IN E V ERY ISSUE |6 From the editor How to get good advice.

8 letters insure your income.

72 then and now Merging their money and their goals.

| M O NE Y |24 money made simple We know you’re stressed out. our strategies can help you simplify, streamline and organize your financial life to free up both time and cash.

34 your medicare FaQs newly eligible? Here’s what you need to know about the system.

37 game plan How can i reduce my property tax bill? ON THE cOVER: Photograph by Nicholas Eveleigh

38 roll your money into an ira? We tell you when it makes sense to move your 401(k).

42 asK Kim How long to hang on to tax records, by KiMBeRly lanKfoRd.

43 cut car insurance rates our six-step plan can save you hundreds of dollars a year.

46 rethinKing retirement Moving to be near the grandkids, by Jane Bennett claRK.

48 drive time How to get a great deal on a new car, by david MuHlBauM.

49 credit deposit insurance has your back.

n tosha turner is using a 529 plan at worK to save For college For

twins lincoln and lyric (page 13).

biotech be revived? by KatHy KRistof.

62 investing For income What i’m telling worried readers, by JeffRey R. Kosnett.

63 more aBout investing fund rankings.

Page 2: contents kiplinger’s personal finance founded 1947 · 38 roll your money into an ira? We tell you when it makes sense to move your 401(k). 42 asK Kim How long to hang on to tax

Kiplinger’s personal Finance 05/20174

8 SMART FINANcIAL MOVES TO MAkE IN 2017 IF YOU’RE IN THE MILITARY Military families, make the most of these special saving opportunities.

KiPlinGeR.coM log on & eXplore

how to reach us: Subscriptions. for inquiries about ordering, billing or renewing a subscription, or to report address changes, please have your mailing label handy to reference your account number and visit us online at kiplinger.com/customer-service or call 800-544-0155, Monday through friday between 7 a.m. and midnight, saturday between 8:30 a.m. and 7 p.m., and sunday between 10:30 a.m. and 7 p.m. you can also write to Kiplinger’s Personal finance, P.o. Box 62300, tampa, fl 33662, or e-mail us ([email protected]). Reprints. PaRs international corp. (212-221-9595, ext. 237; e-mail, [email protected]). Content licensing. e-mail [email protected]. Mailing lists. from time to time we make our subscriber list available to carefully screened companies whose products may be of interest to you. if you would rather not receive such solicitations, send your mailing label to P.o. Box 62300, tampa, fl 33662 and instruct us to exclude your name.

GReat stocKs to eaRn dividends all yeaR lonG “dividend aristocrat” stocks have raised divi-dends for at least 25 straight years. add these 12 to your portfolio to ensure dividend payouts every month of the year.

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| in t eR ac t |5 GOLD-RATED FUNDS TO BEAT THE MARkET columnist steve Goldberg reveals Morningstar-rated funds that should outpace the indexes.

| Q uiz yo uRsel f |HOw SMART A HOME SELLER ARE YOU? take our popular quiz to learn tactics that will help to sell your house faster, at the best possible price. Plus, tax implications of selling your home.

kiplinger.com/links/seller

MOST POPULARMutual funds content on KiPlinGeR.coM

1. Best vanguard funds for Retirement kiplinger.com/links/vanguard

2. Best Mutual funds for your Retirement kiplinger.com/links/nestegg

3. vanguard Mutual funds to avoid kiplinger.com/links/avoid

4. top-Performing funds, by category kiplinger.com/links/category

5. the Kip 25: our favorite no-load funds kiplinger.com/links/kip25

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ALWAYS ON KIPLINGER.COM

| o nline s to Re | SOLVE YOUR TOUGHEST MANAGEMENT PROBLEMS find solutions to seven of the worst management challenges with Kiplinger’s latest special report. this downloadable Pdf is easy to read and loaded with workplace-tested tips.

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| to o l | TOP-PERFORMING MUTUAL FUNDS BY cATEGORY discover funds with the best one-, three-, five-, 10- and 20-year returns across 12 categories.

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souRce: Based on tRaffic on KiPlinGeR.coM, 3/1/16 – 2/28/17

• Business spending • Interest rates

• Trade deficit • Inflation

KiPlinGeR’s econoMic outlooK stay ahead with exclusive forecasts to guide your portfolio and business.

kiplinger.com/outlooks

• Energy• Retail sales

• Housing• GDP

kiplinger.com/links/goldrated sTeVe golDBerg @kiplinger

kiplinger.com/links/military2017 kiM lankforD @kiplinger

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| co nnec t Wit H us | get Kiplinger’s Freshest money-maKing

and money-saving advice in your in-box every weekday—free! Sign up for our kiplinger Today e-newsletter at kiplinger.com/links/ktoday.

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