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The Federal Reserve isn't in a rush to cut interest rates, which means you could be on the hook for more taxes next year on the interest you earn now. These moves can help you soften that blow.

The Federal Deposit Insurance Corporation can cover deposits that are not insured. They did that in 2023, which required authority from the treasury secretary.

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Protecting your money is as important as growing it. That doesn't sound particularly exciting, but for investors approaching retirement, capital preservation becomes increasingly important.