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Yahoo
10 minutes ago
- Yahoo
Saving $100 a Month? You'll Be $1.1M Short of a Comfortable Retirement — 5 Things You Can Do
Saving $100 a month might feel like a comfortable way to build a nest egg, but is it enough for retirement? With rising costs, longer retirements and stagnant savings yields, that $100 won't necessarily stretch far when it matters most. Trending Now: For You: Why $100 a Month Isn't Enough A study from looked at how wide the gap really is. Someone with $8,000 in savings (the median U.S. bank balance according to according to the latest Survey of Consumer Finances data) who adds $100 each month will end up with just $57,629.53 after 20 years, assuming a 4.4% annual return. That's against a retirement target of $1.25 million, the amount needed to cover 25 years of expenses at $50,000 a year. The shortfall? A massive $1,192,370.47. Even bumping contributions to $500 per month still leaves the final balance at just $211,122.92, a long way from financial freedom. Here are six strategies that can make a meaningful difference over time. See Next: Look for Easy Expenses To Cut Some expenses, like unused subscriptions or overpriced delivery habits, are an obvious place to start when it comes to adding to monthly savings. Being able to redirect even $50 to $100 a month into savings can be an immediate win and doesn't have to be too painful. Increase Contributions Early and Often Waiting for a raise or a milestone to start saving more is a luxury most can't afford. Even a $25 increase now beats a $100 increase five years from now. Whether boosting automatic payroll deductions or increasing personal retirement account contributions, it's important to revisit savings annually and raise the amount steadily. Use the Right Type of Accounts Tax-advantaged accounts like 401(k)s, Roth IRAs and traditional IRAs offer valuable benefits in the run-up to retirement. Pre-tax growth, compound interest and employer matching can help retirement savings grow faster, with the average 401(k) match in 2025 between 4% and 6% of compensation, according to Vanguard. Invest With a Long-Term Lens Holding everything in cash may feel safe, but it often falls short of keeping up with inflation. Compound growth requires time and some risk tolerance. Building a diversified portfolio focused on long-term growth is one of the most effective ways to help savings grow enough to meet real retirement goals. Push Back Retirement by a Few Years While it might not be a popular choice, delaying retirement even by a few years can make a meaningful difference. It gives investments more time to grow, adds more contributions and shortens the number of years savings need to last. More From GOBankingRates 9 Downsizing Tips for the Middle Class To Save on Monthly Expenses This article originally appeared on Saving $100 a Month? You'll Be $1.1M Short of a Comfortable Retirement — 5 Things You Can Do


Business Wire
11 minutes ago
- Business Wire
North Dakota Growth Fund Receives Additional $150 Million Commitment and Announces Two New Investments
FARGO, N. D.--(BUSINESS WIRE)--50 South Capital Advisors, LLC ('50 South Capital'), general partner of the North Dakota Growth Fund (NDGF) and global alternatives investment manager of Northern Trust Asset Management, received a commitment of $150 million from the North Dakota Legacy Fund. This commitment will further support the state's entrepreneurial ecosystem through private equity and venture capital investments that have a strong risk-adjusted return potential and a nexus to the state of North Dakota. With the latest commitment to the NDGF, 50 South Capital is pleased to announce its newest investments in M25 and Broadwater Capital. M25 is an early-stage venture firm investing solely in tech startups headquartered in the Midwest. Since launching in 2015, M25 has invested in over 150 companies, including Bismarck-based Pavewise and Fargo-based Chipp. M25 has built a robust platform to support companies in the earliest stages of growth, including hosting the M25 Summit and Midwest Startups for companies to engage with additional investors and talent. Broadwater Capital is an alternative investment firm, established in Fargo, that invests in the lower middle market. The firm focuses on mature companies headquartered in the greater Midwest and invests across sectors including agribusiness, business services, consumer, distribution, light industrials, manufacturing and technology. To date, the NDGF has invested $111.5 million in funds and co-investments. Fund investments represent diversification across vintages, strategies and stages of investments, including early stage venture capital, growth equity and private equity. As of December 31, 2024, over 35 companies across North Dakota have been impacted by the NDGF. The underlying portfolio represents investments in companies in Grand Forks, Minot, Bismarck, Williston and Fargo across manufacturing, energy, healthcare and technology sectors. 'The commitments to M25 and Broadwater Capital represent the diversification of the NDGF to further support the state's growing entrepreneurial ecosystem. Both firms share our conviction in the opportunity set in North Dakota, and bring additional expertise and resources to the state. We look forward to supporting more founders as they build and scale companies here in North Dakota,' 50 South Capital Director Kodee Furst said. More information on the Fund can be found at About 50 South Capital Advisors, LLC 50 South Capital Advisors, LLC is an alternatives asset management firm designed to meet the core strategic needs of investors seeking access to private equity, private credit and hedge funds. Its highly experienced team works closely with a wide range of investors to fulfill specific investment objectives and create lasting relationships. 50 South Capital's investment philosophy focuses on providing access primarily to small-to-mid sized managers that offer unique and differentiated sources of return. 50 South Capital is a wholly owned subsidiary of Northern Trust Corporation. Visit for more information. About Northern Trust Asset Management Northern Trust Asset Management is a global investment manager that helps investors navigate changing market environments in efforts to realize their long-term objectives. Entrusted with $1.3 trillion in assets under management as of June 30, 2025, we understand that investing ultimately serves a greater purpose and believe investors should be compensated for the risks they take — in all market environments and any investment strategy. That's why we combine robust capital markets research, expert portfolio construction and comprehensive risk management in an effort to craft innovative and efficient solutions that seek to deliver targeted investment outcomes. As engaged contributors to our communities, we consider it a great privilege to serve our investors and our communities with integrity, respect and transparency. Northern Trust Asset Management is composed of Northern Trust Investments, Inc., Northern Trust Global Investments Limited, Northern Trust Fund Managers (Ireland) Limited, Northern Trust Global Investments Japan, K.K., NT Global Advisors, Inc., 50 South Capital Advisors, LLC, Northern Trust Asset Management Australia Pty Ltd, and investment personnel of The Northern Trust Company of Hong Kong Limited and The Northern Trust Company. About Northern Trust Northern Trust Corporation (Nasdaq: NTRS) is a leading provider of wealth management, asset servicing, asset management and banking services to corporations, institutions, affluent families and individuals. Founded in Chicago in 1889, Northern Trust has a global presence with offices in 24 U.S. states and Washington, D.C., and across 22 locations in Canada, Europe, the Middle East and the Asia-Pacific region. As of June 30, 2025, Northern Trust had assets under custody/administration of US$18.1 trillion, and assets under management of US$1.7 trillion. For more than 135 years, Northern Trust has earned distinction as an industry leader for exceptional service, financial expertise, integrity and innovation. Visit us on Follow us on Instagram @northerntrustcompany or Northern Trust on LinkedIn. Northern Trust Corporation, Head Office: 50 South La Salle Street, Chicago, Illinois 60603 U.S.A., incorporated with limited liability in the U.S. Global legal and regulatory information can be found at The publisher's sale of this reprint does not constitute or imply any endorsement or sponsorship of any product, service or organization.


Business Wire
11 minutes ago
- Business Wire
ePIPE ®: The Faster, Cost-Effective Solution for Lead (Pb) Pipe Remediation
SANTA ANA, Calif.--(BUSINESS WIRE)--Traditional repiping isn't the only, or best, solution for remediating lead service lines. ePIPE ®, an American-made, patented pipe coating technology, is changing how municipalities, utilities, and property owners get rid of lead contamination. Unlike costly and disruptive full pipe replacement, ePIPE restores pipes faster and at a lower cost while meeting strict compliance standards, including NSF/ANSI 61 requirements. With ePIPE's trenchless application, lead service lines can be protected in hours, not days, minimizing disruption to homes, businesses, and roadways. An NSF 61-approved epoxy barrier is applied inside existing pipes, sealing lead and other contaminants while extending the pipe's life; without the need for full replacement. Why Choose ePIPE Over Traditional Repiping? American-Made Innovation – Designed and manufactured in the U.S., ensuring top quality and reliability. Cost Savings – Reduces labor, material, and remediation costs associated with full pipe replacement. Time Efficient – Pipes are protected in just a few hours, drastically reducing downtime. Minimal Disruption – Minimizing extensive excavation, preserving streets, sidewalks, and landscaping. Durability – Extends the lifespan of existing infrastructure, reducing environmental impact. Beyond lead remediation, ePIPE is trusted for commercial, residential, and government applications, including leak protection, corrosion control, and water quality improvements. With service locations in Southern California, Washington D.C., and Tampa, FL, ePIPE provides nationwide support to organizations seeking a faster, smarter solution to lead pipe remediation. To learn more about how ePIPE can save money and time, visit our website or contact us at (800) 359-6369. About ePIPE With over 40 US and International patents, the ePIPE process involves restoring pipes in-place, with an application of an approved epoxy barrier coating resulting in a restored and protected epoxy lined piping system. The process provides a solution for slab leaks, pinhole leaks, and the reduction of lead leaching from lead pipes and lead contributors. For more information, contact ePIPE ® Pipe Restoration Inc. at or (800) 359-6369.