2024 Best investments for retirees in 2023 - ৭ জানু, ২০২৩ ... I still have about $460k outside funds in my IRA to invest in stocks. Pls how do I take advantage of the market turnaround?

 
From April 1st 2023, the PM Vaya Vandana Yojana is set to close. Senior Citizens Savings Scheme (SCSS) Senior Citizens Savings Scheme is a post office savings scheme for senior citizens that provides investors with security and a predictable income. It’s also a tax-saving strategy. It’s ideal for retirees who are seeking a low-risk investment.. Best investments for retirees in 2023

If you are a retiree looking for long-term exposure to equities, investing in a portfolio of these three exchange-traded funds (ETFs) -- the Vanguard S&P 500 Index Fund ( VOO -0.21%), the SPDR ...Here's a brief rundown of some of the top bond investments out there, including both mutual funds and exchange-traded funds, or ETFs, and what they have to offer: Bond fund. Yield (trailing-12 ...Aug 16, 2023 · 1. Invest regularly and effectively. Check out the table below, which shows what can be accomplished if you save and invest regularly and invest effectively. Growing at 8% for. $7,000 invested ... Mar 10, 2023 · 5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy. March 10, 2023 at 12:00 PM ... For 2023, you can contribute up to $6,500 in annual contributions, and up to $1,000 in annual catch-up contributions for employees age 50 or older. This means you can set aside up to $7,500 if you ...Over 20 years, a $10,000 investment will grow to $33,618. If instead, you invest in a similar fund, also with an average annual return of 7% but with an expense ratio of 0.25%, your net annual ...Mar 10, 2023 · 5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy. March 10, 2023 at 12:00 PM ... Under one common rule of thumb, retirees should rely on a three-legged stool of income sources consisting of Social Security, pensions and savings. Yet only 7% …Our best move in 2023? We repositioned our clients’ bond investments from an intermediate bond fund to an ultra-short bond fund, for two reasons. First, this increased the expected yield that ...Investing. 7 Best Investments in 2023. 1. High-yield savings accounts 2. CDs 3. Bonds 4. Funds 5. Stocks 6.Vanguard offers more than 80 exchange-traded funds tailored to a broad range of investment strategies and financial goals. From niche sector ETFs to total market equity funds, there are Vanguard ...৫ আগ, ২০২৩ ... HOW TO BUILD A SIMPLE INVESTMENTS PORTFOLIO FROM SCRATCH. Susan Wanjiku ... The Top 5 Things Retirees Should NEVER Buy! Retirement Transformed ...Some of the best investments for your Roth IRA are mutual funds and ETFs, including stock market funds, dividend funds and more. Whether you’re a few years from retirement or decades away, it ...Invest regularly and book timely profit even in a retirement portfolio. Once you have opened a TFSA and RRSP, you can start investing. The TFSA and RRSP have a 2023 contribution limit of $6,500 ...Registered Retirement Income Funds offer more flexibility and tax savings than annuities or a lump-sum withdrawal. Converting to a RRIF is the best retirement investing option for most investors. That’s because RRIFs offer more flexibility and tax savings than annuities or a lump-sum withdrawal. Like an RRSP, a RRIF can hold a …Sep 6, 2023 · After the U.S. economy roared back from its pandemic lows in 2021, GDP growth shrunk in 2022 and is expected to finish the year at 1.9%. Some experts predict growth will slow all the way down to zero in 2023, which is lower than the normal rate of 2–3%. They also say a mild recession might be on the way. 26. Here are some factors seniors should look for when investing: Safety: Seniors should prioritize investments that are considered safe and low-risk, such as certificates of deposit (CDs), treasury bonds, and municipal bonds. These investments are less likely to fluctuate in value and offer a reliable source of income.Dividend Stock Funds. Dividends are a vital part of overall portfolio return, particularly for investors seeking income. According to a May 2023 report from brokerage Fidelity, dividends have ...... Retirees who adopted this plan would have seen the following results in their portfolios*:. The moderate portfolio's best year was up 31%, average was up 9%,.One way to help offset rising inflation is to invest in dividend stocks. Three stocks that offer above-average yields and that have solid businesses are Pfizer ( PFE -5.12%) , Procter & Gamble ...The maximum RRSP contribution limit for 2023 is $30,790, up from $29,210 in 2022, for those who earned more than $170,055 in 2022. And, because of an inflation adjustment, the TFSA contribution ...1. U.S. Treasury Bills, Notes and Bonds. U.S. Treasury securities are backed by the full faith and credit of the U.S. government. Historically, the U.S. has always paid its debts, which helps to ...These funds also pay dividends, though since they aren’t specifically dividend focused, their yields tend to be lower. For example, Schwab’s U.S. Dividend Equity ETF (SCHD) had a yield of 3.44 ...American Funds Bond Fund of America ABNFX. Baird Aggregate Bond BAGSX. Baird Core Plus Bond BCOSX. BlackRock Total Return MAHQX. Dodge & Cox Income DODIX. Fidelity Total Bond FTBFX. Fidelity Total ...Sept. 25, 2023, at 3:55 p.m. 5 Great Fixed-Income Funds to Buy Now. Individual bonds, which trade over the counter, can be tough terrain for the uninitiated. Their pricing can be opaque, they're ...Apr 6, 2023 · Price as of March 23: $127.66. Kimberly-Clark is a solid defensive stock, selling products like toilet paper, diapers, paper towels and feminine care items that consumers tend to purchase whether the economy is growing or shrinking. As a result, the company’s cash flow is strong, supporting a current 3.54% dividend. Dec 1, 2023 · Overview: Best low-risk investments in 2023. 1. High-yield savings accounts. While not technically an investment, savings accounts offer a modest return on your money. Here are seven of the best mutual funds and exchange-traded funds, or ETFs, to hold in a Roth IRA, according to experts: Mutual fund or ETF. Expense ratio. Vanguard 500 Index Fund Admiral Shares ...5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy 3/10/2023. Inflation is still very high, interest rates are set to rise again and talks about a potential recession have been ...The Tax-Free Savings Account (TFSA) limit for 2023 is $6,500. This brings the total maximum contribution space to $88,000 per person, depending on their age at the time of its inception. A retired ...২১ জানু, ২০২৩ ... The Best $1 Investment You Can Make Today · It doesn't matter if you ... 4 Lucrative Tax Deductions That Seniors Often Overlook. 1d ago. Benzinga ...2.6K Follower s Follow Summary I expect the Federal Reserve to continue to increase rates at a slower pace until they reach about 5% and hold them there through 2023, creating opportunities for...While rates of return are low on money market funds, the best funds generate between 4.25% and 4.75%, with expense ratios of between 0.1% and 0.45% of fund assets, or about $10 to $45 annually per ...1. U.S. Treasury Bills, Notes and Bonds. U.S. Treasury securities are backed by the full faith and credit of the U.S. government. Historically, the U.S. has always paid its debts, which helps to ...After the U.S. economy roared back from its pandemic lows in 2021, GDP growth shrunk in 2022 and is expected to finish the year at 1.9%. Some experts predict growth will slow all the way down to zero in 2023, which is lower than the normal rate of 2–3%. They also say a mild recession might be on the way. 26.Nov 14, 2022 · Grow your portfolio and get $50 in FREE trades or invest $10,000 FREE. Best discount stock trading platform in Canada. Invest yourself or get access to professionally managed portfolios. Zero trading commissions for ETF purchases (save $10 per transaction). Low fees for buying stocks starting at $4.95 per transaction. Nov 6, 2023 · So when you invest your retirement funds in the S&P 500 index, you're effectively investing in the broad market. Now between 2012 and 2021, the average annual return for the S&P 500 index was ... Fidelity Investments is one of the oldest U.S. mutual fund complexes. With $3.5 trillion in net assets under management, it’s also one of the biggest players in the industry. Its roughly 450 ...In the U.S., Vanguard offers 204 funds with an average 2022 asset-weighted expense ratio of 0.08%, a testament to its commitment to low fees and investor interests.Dividend Stock Funds. Dividends are a vital part of overall portfolio return, particularly for investors seeking income. According to a May 2023 report from brokerage Fidelity, dividends have ...Dividend ETFs vs. Bonds: The Best Investment for Retirees May 9, 2023 ... May 6, 2023 Becoming an Entrepreneur #6: Creating Your Sales Funnel May ...4) National Pension Scheme (NPS) The National Pension Scheme is for those who intend to build a robust retirement fund by investing their savings into a government-monitored pension fund that ...Get the 2023 high return investment type in India. Best Investment Plans: Know the best investment plans in India that suits your financial needs & get high returns on your investments. ... The National Pension System (NPS) is a long-term retirement-focused investment product. It mixes assets like equities, government, and corporate …Of course, as an avid stock market fan, I think investing in ASX shares is one of the best wealth-building opportunities available to Aussies in their 30s. The market has historically always gone ...As the year draws to a close, investors are navigating a new market dynamic shaped by the U.S. Federal Reserve's decision to maintain the policy interest rate between 5.25% and 5.5%. This shift ...Inflation is still very high, interest rates are set to rise again and talks about a potential recession have been picking up steam. Against this backdrop of a very uncertain economic landscape,...2. IRA plans. An IRA is a valuable retirement plan created by the U.S. government to help workers save for retirement. Individuals can contribute up to $6,500 to an account in 2023, and workers ...3. Money Market Funds. A money market fund is a type of mutual fund that invests in highly liquid, short-term financial instruments like Treasury bills, commercial paper and repurchase agreements ...Dec 1, 2023 · 6 Best IRA Accounts Of December 2023. Benjamin Curry Editor. Ben is the Retirement and Investing Editor for Forbes Advisor. With two decades of business and finance journalism experience, Ben has ... For investors in 2023, you have a wide range of options. Here are three strong choices for investing your retirement savings based on whether you want to maximize growth, security or cash flow. For the right balance to help you reach your retirement goals, consider working with a financial advisor.১১ সেপ, ২০২৩ ... My top 20 Lego sets to buy, either to build or as a Lego investment, before the end of 2023. Lego have just updated their website with a ...৮ নভে, ২০২২ ... ... top and bottom lines. Kinder Morgan (KMI): Boasts an eye ... In the world of stocks, a number of high-quality retirement-centric investments ...Investing for retirement evolves alongside you as you change jobs, add to your family tree, endure stock market ups and downs and get closer to your retirement due date. ... Best Retirement Plans ...AT&T is not only known for its telecommunications services but also for its comprehensive retiree benefits. If you are an AT&T employee planning for retirement, it is essential to understand the various benefits that await you after your wo...Seniors are less likely than younger generations to pay bills online. But online payment has particular advantages for retirees. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. I agree to Mon...Best 5% Interest Savings Accounts of September 2023. Your portfolio of retirement paychecks will consist of guaranteed lifetime paychecks—Social Security, pensions, income annuities, and tenure ...Dec 1, 2023 · 1. U.S. Treasury Bills, Notes and Bonds. U.S. Treasury securities are backed by the full faith and credit of the U.S. government. Historically, the U.S. has always paid its debts, which helps to ... Apr 7, 2023 · While rates of return are low on money market funds, the best funds generate between 4.25% and 4.75%, with expense ratios of between 0.1% and 0.45% of fund assets, or about $10 to $45 annually per ... ETFs are the cheapest way to harness the power of index investing. There are two main ways that Canadian retirees can choose to handle their index investment portfolio. 1) Go online, open a discount brokerage account, put money into that account, and buy the ETFs directly using the Toronto Stock Exchange (TSX).10 Best Model Portfolios Of 2023 Wayne Duggan Contributor Reviewed By Benjamin Curry editor Updated: Nov 1, 2023, 10:15am Editorial Note: We earn a …Dec 1, 2023 · Best Long-Term Investments Of 2023. Benjamin Curry Editor. Ben is the Retirement and Investing Editor for Forbes Advisor. With two decades of business and finance journalism experience, Ben has ... Pension savings are an important part of retirement planning. If you work in India or have worked in the country in the past, you may be eligible for EPF. EPF stands for Employee Provident Fund.Retirement is a time of life when many people want to relax and enjoy their newfound freedom. However, some retirees may want or need to supplement their income with part-time work.1. Understand Sequence of Returns Risk Sequence of returns risk is a fancy term that financial advisors have been throwing around for years—well since 1994, thanks to a seminal paper by William...১৯ জানু, ২০২৩ ... There will be a feast. But who will have funds to eat? That is the question. 1:33:42 · Go to channel · How To RETIRE In 10 Years Starting ...Mar 24, 2023 · As a retirement planning strategy, a 50-year-old couple could invest $20,000 per year ($10,000 per Social Security number) in I bonds and build laddered income for retirement. So when you invest your retirement funds in the S&P 500 index, you're effectively investing in the broad market. Now between 2012 and 2021, the average annual return for the S&P 500 index was ...After the U.S. economy roared back from its pandemic lows in 2021, GDP growth shrunk in 2022 and is expected to finish the year at 1.9%. Some experts predict growth will slow all the way down to zero in 2023, which is lower than the normal rate of 2–3%. They also say a mild recession might be on the way. 26.1. U.S. Treasury Bills, Notes and Bonds. U.S. Treasury securities are backed by the full faith and credit of the U.S. government. Historically, the U.S. has always paid its debts, which helps to ...Opinion: The 2 best Vanguard funds for retirees. Last Updated: Aug. 14, 2023 at 12:41 p.m. ET First Published: Aug. ... If you're a retiree who's not especially knowledgeable about investing and you want a simple way to avoid runnin...২৮ ডিসে, ২০২২ ... To try Rocket Money for free and unlock more features with Premium, head to http://rocketmoney.com/graham - Enjoy!The best retirement stocks ideally have attractive dividends that can be sustained. ... It may make some sort of ironic sense for retirees to invest in a pharmacy stock. ... MDT stock has a 3.8% ...Nov 9, 2023 · According to the Federal Reserve, the average American age 65-74 has a retirement savings of $164,000; however, experts recommend having far more saved. Several safe investment options for seniors, like high-yield savings accounts, can help older adults earn 4% yearly returns. Software like Retirable can help people independently manage their ... Jul 19, 2023 · Treasury bonds pay a fixed rate of interest every 6 months until they mature. They are issued over a 20- or 30-year period. You can buy Treasury bonds in TreasuryDirect or a brokerage. You can ... Some of the best investments for your Roth IRA are mutual funds and ETFs, including stock market funds, dividend funds and more. Whether you’re a few years from retirement or decades away, it ...After the U.S. economy roared back from its pandemic lows in 2021, GDP growth shrunk in 2022 and is expected to finish the year at 1.9%. Some experts predict growth will slow all the way down to zero in 2023, which is lower than the normal rate of 2–3%. They also say a mild recession might be on the way. 26.Vanguard Wellesley Income (VWINX) This fund is solidly conservative. It holds 35% to 40% stocks, 60% bonds, and the remainder in cash. Returns from Wellesley beat other conservative allocation funds for three-, five- and ten-year returns. It also has a very cheap expense ratio of 0.23%.Overview: Best low-risk investments in 2023. 1. High-yield savings accounts. While not technically an investment, savings accounts offer a modest return on your money.Overview: Best investments in 2023. 1. High-yield savings accounts. Overview: A high-yield online savings account pays you interest on your cash balance. And just like a savings account at your ...5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy. March 10, 2023 at 12:00 PM ...Best investments for retirees in 2023

Dividend ETFs vs. Bonds: The Best Investment for Retirees May 9, 2023 ... May 6, 2023 Becoming an Entrepreneur #6: Creating Your Sales Funnel May .... Best investments for retirees in 2023

best investments for retirees in 2023

As a retirement planning strategy, a 50-year-old couple could invest $20,000 per year ($10,000 per Social Security number) in I bonds and build laddered income for retirement.1. Understand Sequence of Returns Risk Sequence of returns risk is a fancy term that financial advisors have been throwing around for years—well since 1994, thanks to a seminal paper by William...Sep 19, 2023 · 3. Money Market Funds. A money market fund is a type of mutual fund that invests in highly liquid, short-term financial instruments like Treasury bills, commercial paper and repurchase agreements ... The best retirement stocks ideally have attractive dividends that can be sustained. ... It may make some sort of ironic sense for retirees to invest in a pharmacy stock. ... MDT stock has a 3.8% ...Young people will work 13 years longer than today's typical retirees. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the pro...Nov 7, 2023 · Here are eight of the best-performing Fidelity mutual funds, ranked in ascending order by their trailing 10-year annualized returns as of Oct. 31: Fidelity Fund. 10-Year Annualized Return (As of ... Here are some factors seniors should look for when investing: Safety: Seniors should prioritize investments that are considered safe and low-risk, such as certificates of deposit (CDs), treasury bonds, and municipal bonds. These investments are less likely to fluctuate in value and offer a reliable source of income.7 Best 401(k) Plans Of 2023. David Rodeck Contributor. David is a financial writer based out of Delaware. He specializes in making investing, insurance and retirement planning understandable ...Jun 9, 2022 · Treasury Bills or T-Bills are some of the safest investments in Canada. These are issued by the Provincial or Federal governments to raise capital. These are guaranteed return assets and can be held in both registered and non-registered investment accounts. T-Bills can be purchased directly from most banks in Canada. ১৯ মে, ২০২৩ ... In this video we look at every LEGO Star Wars Set that is Retiring in 2023 and I give each set a grade for Investing! There are 28 Star Wars ...Here are seven of the best mutual funds and exchange-traded funds, or ETFs, to hold in a Roth IRA, according to experts: Mutual fund or ETF. Expense ratio. Vanguard 500 Index Fund Admiral Shares ...No matter how long you’ve been investing, choosing the best robo-advisor for your needs can be challenging. Between fees, features and funds, there are myriad aspects to compare and consider ...Investing is a powerful tool to grow your wealth, and it's crucial to make informed decisions about where to allocate your funds. Whether you're a conservative investor seeking low-risk options or looking to diversify your portfolio with higher potential returns, understanding the best long-term investments for 2023 is essential.In this …How to Manage a Retirement Portfolio in a Recession. Review your investor policy statement. Don't try to time the stock market. Try dollar-cost averaging. Determine if change is needed. Know your ...Acclaimed investing pros share their advice for navigating a recession: Stay calm, stay invested, and invest locally. The past 12 months featured some relatively grim milestones—including the ...The 10 Best Annuity Companies of December 2023. Company. Rating. Massachusetts Mutual Life Insurance Company. USAA Life Insurance Company. New York Life Insurance Company. TIAA-CREF Life Insurance ...However, benefit is available to senior citizens up to Rs.50,000/-. SCSS. Investments are tax deductible under Section 80C subject specified limit of Rs.1 ...1. Keep your budget in mind. Simple, digital-only services will be less expensive; holistic financial planning will be more. It's a good idea to know what you're comfortable spending before you ...Then, as we enter 2023, make claiming your match your top priority. Put money in your 401 (k) first before using other retirement accounts, and aim to set aside at least enough to earn your full ...Mar 10, 2023 · 5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy. March 10, 2023 at 12:00 PM ... Best Fidelity Funds for Retirees: Fidelity 500 Index Fund (FXAIX) Source: Dmitry Demidovich / Shutterstock. 52-Week Range: $127.73- $166.37. Expense Ratio: 0.015%. The third fund on our list is ...1. Keep your budget in mind. Simple, digital-only services will be less expensive; holistic financial planning will be more. It's a good idea to know what you're comfortable spending before you ...Outlook For REITs. The last year has not been good to REITs. As of February 15, 2023, the S&P U.S. REIT index was down more than 11% over the prior 12 months. …Staying happy in retirement can be as simple as making sure you engage in these things on a daily basis. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation...If this describes your investment philosophy, XAR is definitely one of the best ETFs to buy now. Rival ETFs from iShares ( ITA) and PowerShares ( PPA) have both higher expense ratios and more ...What low-risk investments should you be mulling over as 2023 nears an end? Investment experts have a few ideas in that regard: Treasury, municipal and …Sep 6, 2023 · But we want to be clear about one thing: Investing is a long-term strategy—and investing for retirement is way more important than investing for passive income. That means your first priority is to invest 15% of your gross income for retirement in good growth stock mutual funds through tax-advantaged retirement accounts , like a 401(k) and a ... Fidelity wins our best overall retirement plan for brokerage companies thanks to a strong selection of IRA options, low costs, and variety of investment choices. You’ll …However, benefit is available to senior citizens up to Rs.50,000/-. SCSS. Investments are tax deductible under Section 80C subject specified limit of Rs.1 ...May 8, 2023, at 3:39 p.m. 7 Dividend ETFs for Retirement Investors. While dividend stocks are more volatile than bonds, their long-term returns are generally expected to be higher, which can ...Here are seven of the best mutual funds and ETFs for retirement today: Mutual fund or ETF. Expense ratio. Vanguard Target Retirement 2025 Fund (ticker: VTTVX) 0.08%. Vanguard LifeStrategy ...The best retirement stocks ideally have attractive dividends that can be sustained. ... It may make some sort of ironic sense for retirees to invest in a pharmacy stock. ... MDT stock has a 3.8% ...Your two best bets for starting a retirement fund are: a 401 (k) or an individual retirement account (IRA). 401 (k)s are tax-advantaged retirement accounts available exclusively through your employer. And if you don’t have access to a 401 (k), look into an individual retirement account. IRAs are also tax-advantaged and can be opened …Staying happy in retirement can be as simple as making sure you engage in these things on a daily basis. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation...5 Best Investments for Retirees in 2023. Yaёl Bizouati-Kennedy 3/10/2023. Inflation is still very high, interest rates are set to rise again and talks about a potential recession have been ...Jul 8, 2022 · A two- or three-fund portfolio based on mutual funds and exchange-traded funds (ETFs) makes it very easy to invest and save for retirement. One fund targets growth, like an S&P 500 index fund or ... Fidelity wins our best overall retirement plan for brokerage companies thanks to a strong selection of IRA options, low costs, and variety of investment choices. You’ll find that no matter your income and financial background, Fidelity offers an IRA that aligns to your situation. Pros. Many retirement account types to choose from.There are many types of retirement plans. Here's how to compare 401 (k)s, different IRAs, and retirement plans for the self-employed and business owners.“Right now, one of the safest investment options for retirees is both six-month and one-year Treasury bills,” said Kevin M. Curley II, financial advisor at Global Wealth Advisors. “Currently, they are yielding …1. Understand Sequence of Returns Risk Sequence of returns risk is a fancy term that financial advisors have been throwing around for years—well since 1994, thanks to a seminal paper by William...In addition to the CPP retirement pension, your spouse and children may be eligible for benefits after your passing. The maximum monthly CPP in 2023 is $1,306.57, while the average amount paid to recipients was $717.15. As you can see, the CPP alone will not meet all your retirement income needs.1. An S&P 500 Index fund. The Vanguard S&P 500 ETF ( VOO 0.59%), with its extremely low annual fee (also referred to as its expense ratio) of 0.03%, is a great place to start, and it could be all ...Nov 9, 2023 · According to the Federal Reserve, the average American age 65-74 has a retirement savings of $164,000; however, experts recommend having far more saved. Several safe investment options for seniors, like high-yield savings accounts, can help older adults earn 4% yearly returns. Software like Retirable can help people independently manage their ... ২৪ নভে, ২০২৩ ... After all, the basic principles of the movement – save and invest – make good financial sense. It's always a good idea to have a retirement plan ...3. Money Market Funds. A money market fund is a type of mutual fund that invests in highly liquid, short-term financial instruments like Treasury bills, commercial paper and repurchase agreements ...The Best Vanguard Mutual Funds Of December 2023. Fund. Expense Ratio. Vanguard Russell 1000 Growth Index Fund (VRGWX) 0.07%. Vanguard FTSE Social Index Fund (VFTNX) 0.12%. Vanguard Growth & Income ...That’s where our comprehensive guide to high-yield investments comes into play. We’ve analyzed and pared down the 17 best investments right now to consider, grouping them by asset class: Cash and Bonds. Stocks and Investment Funds. Alternative Investments. Now, let’s get into it.Life events often require retirees to verify their monthly retirement income. These events may include: ... More · Do you have unclaimed funds? August 08, 2023.Investing. 7 Best Investments in 2023. 1. High-yield savings accounts 2. CDs 3. Bonds 4. Funds 5. Stocks 6.. Stoke adobe