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In the Spotlight

History

Celebrating 50 years of Goldman Sachs Ayco, and the milestones along the way.
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Financial Spotlight: An introduction to bonds

Individuals 09.27.2022 1 MIN

What are bonds? Think of them like an I.O.U.—when you purchase a bond, you lend money to entities like corporations and federal, state, and local governments, with the understanding that you’ll earn that money back (with interest) after a fixed period of time. Watch this video featuring Head of Portfolio Strategy for Goldman Sachs Personal Financial Management Group Investments Mariam Kamshad to learn more about how bonds fit into a diverse investment strategy.

Key takeaways:

Bonds accrue interest under a specific set of borrowing terms and can provide a predictable stream of income
When a bond matures, you get back the original amount you invested—plus interest
Bonds can help diversify and spread risk in a portfolio

Check out our full Financial Spotlight series to learn more about other financial topics.

If you have Ayco as a company benefit, register, log in or download our Goldman Sachs Wellness app to learn more about this and other financial wellness topics.

Individuals | 11.22.2024 | 2 MIN

Year-end Planning Guide

Individuals | 10.04.2024

Watch: Goldman Sachs Insights | Fourth Quarter 2024

Individuals | 09.12.2024

Watch: Goldman Sachs Monthly Spotlight | September 2024

Individuals | 09.12.2024 | 2 MIN

Summer Review, Fall Preview

Individuals | 07.05.2024

Watch: Goldman Sachs Insights | Third Quarter 2024

Individuals | 06.06.2024

Watch: Goldman Sachs Monthly Spotlight | June 2024

Individuals | 05.24.2024 | 3 MIN

529 Savings Plans: 3 Uses Beyond Just Education Expenses

Individuals | 05.06.2024

Watch: Goldman Sachs Monthly Spotlight | May 2024

Individuals | 05.03.2024 | 6 MIN

Retirement challenges women face

Individuals | 03.05.2024

Watch: Goldman Sachs Monthly Spotlight | March 2024

Individuals | 02.16.2024 | 3 MIN

Tips for filing your 2023 tax return

Individuals | 02.06.2024

Watch: Goldman Sachs Monthly Spotlight | February 2024

Individuals | 01.12.2024 | 8 MIN

Outlook 2024 — America Powers On

Individuals | 12.05.2023

Watch: Goldman Sachs Monthly Spotlight | December 2023

Individuals | 11.14.2023 | 2 MIN

Tax Matters 2023: Insights to help you navigate the current tax environment

Individuals | 11.06.2023

Watch: Goldman Sachs Monthly Spotlight | November 2023

Individuals | 09.26.2023 | 5 MIN

All About Health Savings Accounts (HSAs)

Individuals | 09.06.2023

Watch: Goldman Sachs Monthly Spotlight | September 2023

Individuals | 08.20.2023 | 2 MIN

Cost control to meet inflation leads 2023 U.S. employee benefits trends

Individuals | 08.04.2023

Watch: Goldman Sachs Monthly Spotlight | August 2023

Individuals | 06.27.2023 | 3 MIN

Strategies for Women Investors

Individuals | 06.07.2023

Private company equity compensation and benefits

Individuals | 06.06.2023

Watch: Goldman Sachs Monthly Spotlight | June 2023

Individuals | 06.01.2023

Updated IRS guidance on Qualified Medical Expenses

Individuals | 05.31.2023

Life insurance

Individuals | 05.10.2023 | 4 MIN

Budgeting for summer fun: A guide for families

Individuals | 05.08.2023

Eyes on the Horizon: Goldman Sachs Investment Insights

Individuals | 05.04.2023

Watch: Goldman Sachs Monthly Spotlight | May 2023

Individuals | 04.17.2023 | 2 MIN

Biden’s Fiscal Year 2024 Budget Proposals

Individuals | 04.04.2023 | 6 MIN

As bank stress grows, are markets signaling a US recession?

Individuals | 04.03.2023 | 2 MIN

3 tips for managing financial stress

Individuals | 03.29.2023 | 4 MIN

529s: Untapped funds may now roll over for retirement

Individuals | 03.23.2023 | 8 MIN

Caution: Heavy Fog—Key Themes to Watch This Year

Individuals | 03.22.2023 | 4 MIN

Financial Literacy Month is here

Individuals | 03.17.2023 | 4 MIN

Protect yourself from identity theft

Individuals | 03.08.2023 | 4 MIN

Set (or reset) your retirement goals at any age

Individuals | 03.08.2023 | 4 MIN

Smart strategies to pay down debt

Individuals | 03.07.2023 | 3 MIN

The SECURE Act 2.0: What changes in retirement legislation mean for your finances

Individuals | 03.06.2023

Watch: Goldman Sachs Monthly Spotlight | March 2023

Individuals | 02.04.2023 | 4 MIN

How to think about investments

Individuals | 02.03.2023

Watch: Goldman Sachs Monthly Spotlight | February 2023

Individuals | 01.27.2023 | 2 MIN

3 easy steps to help you become a saver

Individuals | 01.05.2023 | 4 MIN

Reducing spending and increasing savings were on this year’s holiday list

Individuals | 01.04.2023 | 4 MIN

Kickstart 2023 with resolutions you can keep

Individuals | 11.18.2022 | 2 MIN

2022 Top 5: Most-read personal finance articles

Individuals | 11.15.2022 | 3 MIN

Thinking of retiring soon? A critical decision on your pension payout could make all the difference.

Individuals | 10.21.2022 | 4 MIN

6 ways to give your finances a boost before 2023

Individuals | 10.06.2022 | 1 MIN

Goldman Sachs Q3 2022 Investment Update

Individuals | 09.27.2022 | 1 MIN

Financial Spotlight: An introduction to market challenges

Individuals | 09.27.2022 | 1 MIN

Financial Spotlight: An introduction to market uncertainty

Individuals | 09.27.2022 | 1 MIN

Financial Spotlight: An introduction to money market funds

Individuals | 09.27.2022 | 1 MIN

Financial Spotlight: An introduction to risk

Individuals | 09.27.2022 | 1 MIN

Financial Spotlight: An introduction to stocks

Individuals | 09.22.2022 | 4 MIN

“Pay yourself first” for National Savings Day

Individuals | 08.31.2022 | 3 MIN

Let’s talk student loans

Individuals | 08.22.2022 | 4 MIN

Top 8 life insurance questions we’re hearing

Individuals | 08.01.2022 | 3 MIN

Financial Awareness Day: Your financial wellness guide

Individuals | 07.26.2022 | 3 MIN

Maximize your benefits this open enrollment

Individuals | 07.21.2022 | 4 MIN

A beginner’s guide to 401(k) plans

Individuals | 07.05.2022 | 5 MIN

Coaches corner: Balancing priorities

Individuals | 05.26.2022 | 4 MIN

529 Day: A coach Q&A

Individuals | 05.25.2022 | 2 MIN

3 steps toward financial wellness in 5 minutes or less

Individuals | 05.05.2022 | 3 MIN

Ways to increase or decrease your taxable income

Individuals | 04.19.2022 | 3 MIN

What financial stressors can coaches help you with today?

Individuals | 04.08.2022 | 2 MIN

Patrick Cantlay on his keys to success

Individuals | 03.29.2022 | 3 MIN

3 ways to build financial confidence: A financial planning guide for women

Individuals | 03.28.2022 | 2 MIN

Investing in stocks, explained in 6 questions

Individuals | 03.16.2022 | 3 MIN READ

A guide to HSAs and FSAs

Individuals | 02.21.2022 | 4 MIN READ

Retirement planning for all ages

Individuals | 02.02.2022 | 2 MIN

2-minute crash-course on the 2021 and 2022 standard deduction

Individuals | 02.02.2022 | 4 MIN

What you need to know about tax deductions and credits

Individuals | 01.28.2022 | 3 MIN

A quick guide to filing your tax return

Individuals | 01.27.2022 | 5 MIN

Discover your tax personality and stress less this tax season

Individuals | 01.26.2022 | 2 MIN

This tax season could be especially challenging, warns the IRS

Individuals | 12.15.2021 | 5 MIN

5-minute guide to keeping your financial resolutions

Individuals | 11.29.2021 | 2 MIN

2021 Top 5: Most read personal finance articles

Individuals | 11.29.2021 | 2 MIN

2021 Top 5: Most popular personal finance videos

Individuals | 10.26.2021 | 7 MIN

Make a lasting impact: 5 tips for charitable giving

Individuals | 10.12.2021 | 2 MIN

7 steps to prepare for holiday spending and set yourself up for success in 2022

Individuals | 09.14.2021 | 4 MIN READ

Protect your family’s future with life insurance

Individuals | 08.27.2021 | 3 MIN READ

Annual Enrollment: What to expect when talking with a coach

Individuals | 08.03.2021 | 5 MIN READ

Your annual enrollment to-do list—made easy

Individuals | 07.23.2021 | 4 MIN READ

Four tweaks to make to your retirement plan in 2021

Individuals | 07.21.2021 | 4 MIN READ

Four market trends reshaping how we invest

Individuals | 07.21.2021 | 4 MIN READ

Four market trends reshaping how we invest

Individuals | 07.08.2021 | 5 MIN READ

Learn to make stronger financial decisions in 5 minutes

Individuals | 07.02.2021

What COVID taught us about personal finance

Individuals | 06.15.2021 | 5 MIN READ

Reach your goals by creating financial checkpoints

Individuals | 05.25.2021 | 10 MIN READ

7 COVID-19 Personal Finance Myths Debunked

Individuals | 05.17.2021 | 3 MIN READ

4 tips to alleviate—and avoid—financial stress

Individuals | 04.12.2021 | 2 MIN

How to rebuild credit

Individuals | 04.12.2021 | 6 MIN

Saving vs investing: What's the difference?

Individuals | 04.12.2021 | 3 MIN

What's ESG investing and how do I know if it's right for me?

Individuals | 04.09.2021 | 5 MIN

From offer to closing—5 home buying steps to know

Individuals | 04.05.2021 | 3 min

What is risk tolerance and how does it impact my portfolio?

Individuals | 03.18.2021 | 3 MIN READ

Getting organized for tax season: What you need to know

Individuals | 02.26.2021 | 2 MIN

Your guide to retirement accounts

Individuals | 02.11.2021 | 3 MIN

Taxes: Refunds are not always your friend

Individuals | 01.22.2021 | 2 MIN

How a financial plan can benefit your health

Individuals | 12.18.2020 | 2 MIN READ

Use it, don't lose it: Emptying your FSA before year-end

Individuals | 12.17.2020 | 4 MIN READ

Saving for college: A guide to education funding

Individuals | 11.23.2020 | 3 MIN READ

Emergency fund: Why everyone needs a cash reserve

Individuals | 10.29.2020 | 3 MIN READ

The Consumer Sentiment Study: Post-lockdown edition

Individuals | 10.28.2020 | 3 MIN READ

Making the right decisions to reduce your healthcare costs

Individuals | 10.21.2020 | 4 MIN READ

Six questions to ask before making annual enrollment benefits elections

Individuals | 10.13.2020 | 3 MIN READ

Changing domicile during uncertain times: It may not be as easy as you think

Individuals | 09.16.2020 | 3 MIN READ

Retirement: What to expect when talking with a coach

Individuals | 09.09.2020 | 6 MIN READ

CARES Act: Penalty-free withdrawals

Individuals | 09.09.2020 | 6 MIN READ

What you need to know about life insurance

Individuals | 09.08.2020 | 6 MIN READ

How the CARES Act impacts required minimum distributions

Individuals | 09.03.2020 | 6 MIN READ

Wealth transfer strategies for volatile markets

Individuals | 08.13.2020 | 4 MIN READ

How telecommuting from a different state could impact your taxes

Individuals | 08.10.2020 | 4 MIN READ

A 4-minute guide to estate planning

Individuals | 08.06.2020 | 3 MIN READ

RMD FAQs: Eight important facts

Individuals | 07.07.2020 | 2 MIN READ

Thinking about an HSA?

Individuals | 07.01.2020 | 4 MIN READ

Investing in the COVID-19 era

Individuals | 06.02.2020 | 3 MIN READ

COVID-19 financial guidance from Ayco’s Counseling leaders—Part 2

Individuals | 06.02.2020 | 3 MIN READ

COVID-19 financial guidance from Ayco’s Counseling leaders—Part 1

Individuals | 05.28.2020 | 4 MIN READ

Five simple savings strategies everyone should know

Individuals | 05.14.2020 | 7 MIN READ

Key extenders from 2020 legislation

Individuals | 05.07.2020 | 4 MIN READ

How COVID-19 can impact income & estate taxes

Individuals | 05.05.2020 | 4 MIN READ

Close to retirement? Prepare for the transition in an uncertain economy

Individuals | 04.24.2020 | 2 MIN READ

COVID-19 educational refunds and 529s

Individuals | 04.20.2020 | 4 MIN READ

Ayco FAQs during the COVID-19 crisis

Individuals | 04.20.2020 | 2 MIN READ

IRS extends tax filing and payment deadline to July 15, 2020

Individuals | 04.20.2020 | 3 MIN READ

Speaking with a coach during the COVID-19 crisis

Individuals | 04.06.2020 | 5 MIN READ

Time away from work during the COVID-19 crisis: Does it impact your finances?

Individuals | 03.31.2020 | 3 MIN READ

Managing financial stress in times of economic volatility

Individuals | 03.27.2020 | 3 MIN READ

Creating a budget for uncertain times

Individuals | 03.27.2020 | 1 MIN READ

Trusted resources for COVID-19 information

Individuals | 03.23.2020 | 2 MIN READ

Six ways to make working from home work for you

Individuals | 02.10.2020 | 3 MIN READ

Household employees and employment taxes: Are you responsible?

Individuals | 02.03.2020 | 3 MIN READ

The SECURE Act's impact on spouses and designated beneficiaries

Individuals | 01.09.2020 | 2 MIN READ

Top five blogs of 2019 for individuals

Individuals | 12.03.2019 | 3 MIN READ

5 things employees need to know about the new draft W-4

Individuals | 10.30.2019 | 5 MIN READ

How can I protect my privacy in real estate transactions?

Individuals | 07.23.2019 | 5 MIN READ

Financial planning and benefit considerations for LGBTQ employees

Individuals | 07.01.2019 | 4 MIN READ

Long-term care insurance: What you need to know

Individuals | 06.14.2019 | 2 MIN READ

Top three reasons to get a Health Savings Account (HSA)

Individuals | 04.24.2019 | 5 MIN READ

Extra cash? Some ideas to consider

Individuals | 04.05.2019 | 5 MIN READ

Do you have a withholding mismatch?

Individuals | 03.29.2019 | 3 MIN READ

Tax "basis" and stock-based compensation

Individuals | 03.15.2019 | 3 MIN READ

How to avoid phishing and identity theft during tax season

Individuals | 03.08.2019 | 3 MIN READ

The top five tax changes for 2018: What you need to know

Individuals | 03.01.2019 | 3 MIN READ

Identity fraud: 10 simple steps to protect yourself

Individuals | 02.22.2019 | 4 MIN READ

Avenues for preparing your taxes

Individuals | 02.15.2019 | 3 MIN READ

Getting organized for 2018 taxes: What you need to know

Individuals | 01.23.2019 | 2 MIN READ

New Year's resolutions: Make smarter financial decisions

Individuals | 01.23.2019 | 2 MIN READ

Top three reasons to get an HSA

Individuals | 01.21.2019 | 3 MIN READ

Using tax losses as a tax strategy: A primer

Individuals | 11.30.2018 | 1 MIN READ

The Tax Cuts and Jobs Act: The top 10 things you need to know

Individuals | 11.20.2018 | 3 MIN READ

Health savings accounts (HSAs)

Individuals | 11.09.2018 | 4 MIN READ

A hurricane season guide to protecting your family and finances

Individuals | 10.08.2018 | 3 MIN READ

Is a 401(k) loan right for you?

Individuals | 09.28.2018 | 3 MIN READ

Countdown to retirement

Individuals | 08.28.2018 | 3 MIN READ

Five steps for improving your credit score

Individuals | 08.20.2018 | 3 MIN READ

Retirement planning at any age

Individuals | 07.26.2018 | 3 MIN READ

Reconsidering protected income strategies

Individuals | 07.24.2018 | 2 MIN READ

Charitable giving by the letter

Individuals | 07.17.2018 | 3 MIN READ

Kids and college–making the right choice

Individuals | 06.22.2018 | 2 MIN READ

Perspectives on 2017 market volatility

Individuals | 05.31.2018 | 3 MIN READ

Financial considerations for the expanding family

Individuals | 05.30.2018 | 4 MIN READ

A guide to paying down your college debt

Individuals | 05.30.2018 | 2 MIN READ

What cryptocurrencies are and what you should know

Individuals | 05.29.2018 | 1 MIN READ

Combining finances with your partner