IRA investing in ETFs tracking renewable energy is seeing heightened demand as ESG inflows rose 12% in Q The clue is in the title: You hire your adviser to give you advice and to put your interests first, and he has done that to the best of his ability. He says don’t do it. So you either take his advice or you don’t. If you do take his advice, and there’s an almighty tumble in the stock market, you will rue the day you ever listened to him and curse yourself for not listening to your gut. A simplified employee pension (SEP) plan differs from most retirement accounts in that it’s designed for small businesses and self-employed individuals. The SEP-IRA is relatively easy to set up, the costs are low, and depending on your income level, the contribution limit can be substantially higher than that of a traditional IRA. Economic projections show IRA investing portfolios benefit from steady inflation at 3.1%, with TIPS and short-duration bonds offering capital preservation. Asset managers recommend blending equities with inflation-protected securities.