Retirement Articles

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  1. 5 Ways to Lose Your Retirement Nest Egg

    These common mistakes can put your savings at risk. Find out how to avoid them.
  2. How to Retire as a Millionaire Without a 401(k)

    Can you retire as a millionaire without a 401(k) plan? It may not be easy, but it isn't impossible if you know where to invest ...
  3. Will Your Savings Support Your Retirement Lifestyle?

    Protect your retirement savings by planning for lifestyle inflation and longevity risk.
  4. Protect Your Future Wealth From This Big Mistake

    Putting off saving for retirement might feel like your only option right now, but this kind of procrastination can wreak ...
  5. 15 Simple Tips to Save Money

    Stick to your budget every day with these 15 simple tips.
  6. Which QDIA Is Right for Your 401(k) Investments?

    What are qualified default investment alternatives, and which one is the right fit for you?
  7. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions.
  8. Bloated Budget? How to Trim the Fat

    Blood, sweat and tears should belong in the gym, but your money deserves some training time too.
  9. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  10. 3 Retirement Account Rules to Know

    Stay up-to-date on regulation amendments to avoid penalties and take advantage of new opportunities.
  11. 4 Steps to Successful Retirement Savings

    These four steps can get you on the right path to meet your retirement goals.
  12. Transfer Retirement Savings When You Change Jobs

    Half of Americans lose their nest eggs when they switch careers. Learn why you should avoid this trap.
  13. Exceptions to the 60-Day Retirement Account Rollover Rule

    A non-qualified distribution might still be tax and/or penalty free under certain conditions.
  14. How to Set up a Trust Fund If You're Not Rich

    You don't need to be wealthy to create your own trust fund. Here's why and how to go about it.
  15. Why Financial Literacy is So Important

    Financial literacy is the confluence of financial, credit and debt knowledge that is necessary to make the financial decisions ...
  16. What Is the Federal Employees Retirement System (FERS) and How Does It Work?

    If you work in the public sector or plan to, FERS ( Federal Employees Retirement System) is an acronym you will soon know ...
  17. The Best Strategies to Maximize Your IRA

    Tax savings are an obvious benefit of an IRA. But savvy investors can maximize their IRA returns with strategies like these.
  18. Recharacterizing Your IRA Contribution or Roth Conversion

    Learn why you might make such a transaction and find out how to calculate how it will affect you.
  19. What Investors Should Know About Target Date Funds

    Target-date funds can make sense in some situations, but other times they should be avoided.
  20. Retirement Savings: Tax-Deferred or Tax-Exempt?

    There are advantages and disadvantages to both types of retirement accounts. Find out which is right for you.
  21. MAGI, Medicare Premiums and Social Security

    The U.S. figured out how to up tax revenue, pay less Social Security and charge more for Medicare.
  22. Roth 401(k) vs. Roth IRA: Is One Better?

    It all depends on your age, your income - and your plans for your retirement nest egg.
  23. Picking Funding Priorities: 401(k) vs. IRA

    Here are some points to remember as you're choosing where to put your retirement savings.
  24. Retirement Saving Tips for 65-Year-Olds and Over

    Find out how to save smarter after 65.
  25. Enjoy Life Now and Still Save For Later

    Find out how to balance living well today and retiring well tomorrow.
  26. Why Tax-Advantaged Is Better Than Tax-Deferred

    Tax-advantaged retirement accounts can save you money in retirement when you need it most.
  27. It Pays to Start Saving Early for Retirement

    This story illustrates the benefits of starting to save for retirement sooner rather than later.
  28. When Not to Open a Roth IRA

    Depending on how much you're currently earning, a traditional IRA sometimes offers more tax relief than its Roth counterpart. ...
  29. 8 Reasons to Roll Over Your 401(k) to an IRA

    Switching jobs? Moving your retirement savings into an IRA has advantages that may allow you to build a larger nest egg.
  30. How Tax-Deferred Savings Boost Retirement Income

    One of the best ways to accumulate funds for retirement is to use tax-deferred savings vehicles.
  31. Tax-Deferred vs. Tax-Free Retirement Accounts

    Understanding the difference between tax-deferred and tax-free is key to planning for retirement.
  32. Analysis: Should You Get a Gold IRA?

    Yes, you can invest in actual gold or other precious metals for your IRA. See the special rules for gold IRAs and what to ...
  33. Top Reasons Not to Roll Over Your 401(k) to an IRA

    Five cases in which keeping your plan in place – or employing another non-IRA strategy – is the better move.
  34. The Best Retirement Account for You

    Taxable accounts, traditional IRAs and Roth IRAs all have advantages and disadvantages.
  35. How a 401(k) Works After Retirement

    Find out how your 401(k) works after you retire, including when you are required to begin taking distributions and the tax ...
  36. Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  37. The Rules on RMDs for IRA Beneficiaries

    Don’t get hit with a 50% penalty because you don’t know the required minimum distribution (RMD) rules for IRA beneficiaries.
  38. Are SIMPLE IRA Plans Really That Simple?

    Contrary to what their name implies, SIMPLE IRA plans aren't always simple for an employer.
  39. Low-Interest-Rates Retirement Planning

    A new survey from BlackRock suggests that investors may be relying too heavily on high returns to guarantee their retirement ...
  40. How a Roth IRA Works After Retirement

    What retirees need to know about taxes, distributions and passing on your unspent savings to the next generation.
  41. Using Your IRA to Buy Investment Property

    Explain how to use an IRA account to buy investment property.
  42. How to Decide Between a Traditional or Roth 401(k)

    When it comes to saving in 401(k) plans, using both a regular 401(k) and Roth 401(k) is best.
  43. What to Do When Your Target-Date Fund Reaches the Target Year

    Here's what to do when your target-date fund reaches its target year.
  44. Gen Xers: Are You Financially Ready for Retirement?

    Generation Xers are now 35-50 years old and most are not financially prepared for retirement.
  45. Plan Ahead to Make the Most of RMDs

    When it comes to required minimum distributions (RMDs), it pays to plan ahead.
  46. 3 Ways Qualified Charitable Distributions Can Lower Taxes

    Here are three ways qualified charitable distributions can save taxpayers money.
  47. Will Baby Boomers Bankrupt Social Security?

    Will the massive Baby Boomer generation, now retiring in droves, bankrupt the Social Security System?
  48. 5 Reasons to Convert Your Roth to Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  49. Top 10 Mistakes to Avoid on Your Roth IRA

    Don't lose out on the benefits of a Roth by contributing too much, breaking rollover rules or making other avoidable errors.
  50. Roth IRA Contribution Limits

    Discover the benefits of Roth IRA accounts and how much you can contribute for your retirement. Learn which IRA plan is best ...
  51. Best Ways to Save For Retirement Without an IRA or 401(k)

    Learn the most common types of savings vehicles used to accumulate money for retirement outside employer-sponsored 401(k)s ...
  52. Why Having a Roth IRA and 401(k) Makes Sense

    Combining a Roth IRA with your 401(k) means more tax-deferred growth and better tax control.
  53. Maxing Out Your 401(k) Is Profitable: Here's Why

    It's shocking, but most American workers (73%) have no 401(k) retirement funds. Start saving now to anchor your retirement.
  54. Increase Retirement Wealth With the Right Withdrawal Order

    Here's how to withdraw funds from your retirement portfolio to gain benefits and save on taxes.
  55. Individual 401(k) vs SEP IRA: Loans and Deadlines

    Individual 401(k)s and SEP IRAs vary in Roth contributions, loan provisions and funding deadlines.
  56. How to Make Your Own Retirement Fund

    Making sure you have a large enough nest egg to retire on is a challenge. Here's how to accomplish the task, one step at ...
  57. How Much Millennials Should Save to Retire Comfortably

    Millennials may not be worrying about retirement just yet, but they should be thinking about how much they'll need to save ...
  58. Individual 401(k) vs SEP IRA: Deductions & Contributions

    If you are self-employed, here are the pros and cons of individual 401(k)s and SEP IRAs.
  59. 5 Ways 20-Somethings Can Boost Retirement Savings

    Here are five tips to help Millenials save more for retirement while still in their 20s.
  60. Traditional or Roth IRA? One Has an Absolute Benefit

    If you can only use one, invest in an individual retirement account with an immediate tax benefit.
  61. Explaining Types of Fixed Annuities

    Learn about this popular retirement tool, its pros and cons and how annuities work to create a guaranteed regular stream ...
  62. Converting Traditional IRA Savings to a Roth IRA

    When is it a good idea to convert traditional IRA funds into Roth IRA funds? And when does it not make sense?
  63. Target Date Funds: Understanding the Benefits & Risks

    If they fit within your risk tolerance and have reasonable fees, target date funds can be an option.
  64. How Does My Part-time Job Affect Social Security?

    Social Security benefits mean a lot to retirees' finances. Having a job, even part-time, can complicate matters if certain ...
  65. Five Questions to Ask About Your Company's 401(k) Plan

    Having a comfortable retirement depends on taking maximum advantage of your company's 401(k), if it's offered.
  66. 5 Questions to Ask Before Opening a New Retirement Account

    To avoid tax problems, ask the right questions before opening a new retirement account.
  67. A Retirement Plan Option for High-Income Doctors

    The 457(b) plan allows high-earning doctors to save more for retirement than the 403(b) plan.
  68. Health Savings Account: Your Extra Retirement Funds

    Funding a health savings account for retirement can save thousands of dollars in taxes.
  69. The Basics of a 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Here's why.
  70. Six Critical Rules for Successful Retirement Investing

    Understand which investment vehicles and strategies build you the most fiscally sound retirement.
  71. How Does A Reverse Mortgage Work?

    The basics of getting a reverse mortgage, with detailed information on how to qualify and what to watch out for.
  72. Get Ready for Your Required Minimum Distributions

    When you reach age 70.5, you will need to begin taking RMDs from your tax-deferred accounts.
  73. Investment Strategies for Your Retirement Accounts

    A retirement portfolio should focus on absolute return strategies to minimize risk.
  74. How Defined-Benefit Pension Plans Can Be Saved

    Defined-benefit plans are disappearing as the primary retirement vehicle for many workers.
  75. Retirement Savings: 401(k) vs. Stocks

    The pros and cons of two different ways to invest your retirement savings.
  76. The Taxes That Come With Target-Date Funds

    The tax inefficiency of target-date funds may make them a bad choice outside of a retirement plan.
  77. Why Bonds Aren't Enough for Your Retirement Income

    You can easily tap into growth mutual funds or ETFs to create monthly income in retirement.
  78. Retirement Planning for the Self-Employed

    The three retirement-savings options best suited to the entrepreneur.
  79. Should I Invest in Stocks During My Retirement?

    Your financial situation and personal risk tolerance will dictate the amount of stock you want in your retirement portfolio. ...
  80. What Your 401(k) Can Look Like in the Next 20 Years

    Discover how time and compounded growth of earnings can help even a modest 401(k) plan balance grow to a significant sum ...
  81. How to Save More for Your Retirement

    Be sure you know all the tax-advantaged ways in which you can save more for retirement.
  82. The Pros and Cons of Thrift Savings Plan Rollovers

    Is rolling over a Thrift Savings Plan into an IRA the right move? Here's what to consider.
  83. How You Can Save for Retirement Without a 401(k)

    The majority of Americans are not very confident about having enough for retirement.
  84. How to Invest During Your Retirement Years

    Having the right investment strategy is crucial for retirees who do not want to outlive their money.
  85. Roth Feature Boosts Benefits for 401(k) and 403(b) Plans

    Roth accounts tend to beat traditional plans over the long term by providing tax savings at retirement.
  86. 3 Goals to Focus on to Save More for Retirement

    These three strategies will put you on the path towards saving more for retirement.
  87. 401(k): Pressure's On to Leave It at Your Old Job

    Companies now want departing employees to keep their 401(k) plans invested with the firm's manager. Is that a good idea, ...
  88. How to Transition Investments to Retirement Years

    Approaching the transition to retirement isn't a sprint—it's a journey of strategic thinking.
  89. Should You Retire With a Mortgage or Pay it Off?

    Here's why it makes sense to pay off your mortgage before you retire.
  90. 3 Reasons Your 401(k) Is Not Enough for Retirement

    Learn the basic structure of a 401(k), and a number of reasons why it may not be substantial enough to secure an individual's ...
  91. 5 Myths That Could Hurt Your Retirement

    If you're making financial and lifestyle choices based on these retirement myths, you could be missing out on benefits that ...
  92. How Can You Make the Most of Your 401(k)?

    Make the most of your 401(k) plan by contributing early and taking advantage of employer matches.
  93. When Do Social Security Benefits Start and End?

    Everything you need to know about the three primary Social Security programs, how they work and who qualifies for them.
  94. 5 Benefits of Rolling Over a 401(k)

    Nearing retirement or changing jobs? Here's why you might want to move your 401(k) into an IRA (more investment options, ...
  95. Roth or Traditional IRA: Which Is Better for You?

    Investors should know the differences and similarities between a Roth IRA and a Traditional IRA.
  96. Filing Early for Social Security: When it Makes Sense

    Filing early for Social Security can make sense. Here's a list of when it's appropriate to ignore the conventional wisdom ...
  97. How to Invest for Retirement When You're Working

    Here's how three different portfolios impact your retirement savings while you're still employed.
  98. Retirement Annuities: Know the Pros and Cons

    Retirement annuities can be a secure way to make sure you don’t outlive your assets. But be careful; fees are high.
  99. Retire Wealthy: The Millennial March to $1,000,000

    It is possible for Millennials to retire with $1,000,000, if they take the right steps and make the necessary sacrifices ...
  100. Everything You Need to Know About Your 403(b) Plan

    Many folks do not understand the ins and outs of their 403(b) plan. Let's change that.
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