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Sergey Savastiouk's Avatar
published in Blogs
Mar 06, 2021

Expenses to avoid on the road to retirement

While the path to retirement differs with each individual and their personalized goals, certain truisms apply no matter what the approach. One is, of course, to save as much as possible, as early as possible. Two is common sense, but perhaps overlooked – spend less. It’s easier said than done – after all, short term savings goals offer attractive returns, are somewhat concrete, and seem far more attainable, while long term goals exist as abstractions with limited instant gratification. Which begs the question: how can you cut down on costs to reach your retirement goals?

Around the Home

Mortgage payments are not cheap. This sizable monthly expense may be a necessity for many homeowners, but anyone with an eye on retirement can benefit from prioritizing repayment as soon as financially possible, freeing up funds to contribute towards their nest egg. Refinancing is often beneficial as well, allowing homeowners to shorten the time frame for repayment and subsequently save on interest in the long term. Homeowners with an eye on retirement can also benefit from downsizing or relocating when circumstances, like children moving out, allow.

It is also important to let dreams of a second home rest – or at the very least, to pursue them with an eye on minimizing additional expenses. Second homes are, in practical terms, a second mortgage, which increases the possibility of falling behind on payments (and retirement goals). Second homeowners should look for properties that they can profit from, through rentals or other means, to cover whatever outlay the incur through ownership.

Focus on Your Finances

Parents want to position their children for success – even if that means taking on additional financial burden. As higher education grows more expensive, federal student loans have become more ubiquitous. But it is important to consider the repercussions of taking out PLUS loans, whose hefty interest rates – in most cases, around 7 percent – mean debt can accumulate quickly.

Somewhat counterintuitively, the best thing that parents can do for their children is to focus on shoring up their own financial footing. By ensuring a viable financial future for themselves, parents can limit the possibility of burdening their children later in life – and then position themselves to help once their situation is secured.

Always Evaluate

Short term gratification is addictive, but not necessarily the smart play for the future. Saving effectively for retirement means taking constant inventory of spending habits, then strategically determining where to cut back. Finding places to save money and learning how to limit spending means the opportunity to put more towards a retirement account, which means reaching your retirement goals sooner.

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Related Ticker: SPY

SPY in +0.95% Uptrend, growing for three consecutive days on July 17, 2025

Moving higher for three straight days is viewed as a bullish sign. Keep an eye on this stock for future growth. Considering data from situations where SPY advanced for three days, in of 365 cases, the price rose further within the following month. The odds of a continued upward trend are .

Price Prediction Chart

Technical Analysis (Indicators)

Bullish Trend Analysis

The Aroon Indicator entered an Uptrend today. In of 429 cases where SPY Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .

Bearish Trend Analysis

The RSI Oscillator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.

The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.

The Moving Average Convergence Divergence Histogram (MACD) for SPY turned negative on July 15, 2025. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 53 similar instances when the indicator turned negative. In of the 53 cases the stock turned lower in the days that followed. This puts the odds of success at .

Following a 3-day decline, the stock is projected to fall further. Considering past instances where SPY declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .

SPY broke above its upper Bollinger Band on June 26, 2025. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.

Notable companies

The most notable companies in this group are NVIDIA Corp (NASDAQ:NVDA), Microsoft Corp (NASDAQ:MSFT), Apple (NASDAQ:AAPL), Amazon.com (NASDAQ:AMZN), Alphabet (NASDAQ:GOOG), Alphabet (NASDAQ:GOOGL), Broadcom Inc. (NASDAQ:AVGO), Meta Platforms (NASDAQ:META), Walmart (NYSE:WMT), Eli Lilly & Co (NYSE:LLY).

Industry description

The investment seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index. The trust seeks to achieve its investment objective by holding a portfolio of the common stocks that are included in the index, with the weight of each stock in the portfolio substantially corresponding to the weight of such stock in the index.

Market Cap

The average market capitalization across the SPDR® S&P 500® ETF ETF is 114.88B. The market cap for tickers in the group ranges from 7.11B to 4.22T. NVDA holds the highest valuation in this group at 4.22T. The lowest valued company is TKO at 7.11B.

High and low price notable news

The average weekly price growth across all stocks in the SPDR® S&P 500® ETF ETF was 14%. For the same ETF, the average monthly price growth was 35%, and the average quarterly price growth was 114%. AMD experienced the highest price growth at 11%, while WAT experienced the biggest fall at -16%.

Volume

The average weekly volume growth across all stocks in the SPDR® S&P 500® ETF ETF was 9%. For the same stocks of the ETF, the average monthly volume growth was 17% and the average quarterly volume growth was 3%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 61
P/E Growth Rating: 50
Price Growth Rating: 44
SMR Rating: 50
Profit Risk Rating: 47
Seasonality Score: 26 (-100 ... +100)
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