Retirement Articles

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  1. Are You Too Old to Benefit from Opening a Roth IRA?

    You may not be too old to open a Roth IRA. Roth IRAs can offer significant retirement income security and tax advantages, ...
  2. The Benefits of Using a Thrift Savings Plan (TSP)

    A thrift savings plan is a retirement savings plan that benefits federal employees.
  3. 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.
  4. 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.
  5. 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) balance grow to a significant sum over ...
  6. 5 Reasons to Convert Your Roth to a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  7. What Is Net Unrealized Appreciation and How Does It Work?

    NUA rules allow you to take a distribution of stock from your 401(k), but know how it works first.
  8. How Fiduciary Rule Is Restricting Financial Advice

    A case for why the new fiduciary rule will hurt advisors and their clients.
  9. How Are 401(k) Withdrawals Taxed for Nonresidents?

    As a U.S. nonresident, deciding what to do with your 401(k) after you return home comes down to which tax penalties, if any, ...
  10. Uncertain Future for Government-Run Retirement Savings Plans

    As President Trump signed into law the repeal of rule allowing states and cities to run retirement plans for private sector ...
  11. 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 ...
  12. Should You Roll Over Your 401(k)?

    Before moving your retirement funds into another account, consider your options.
  13. How do you calculate penalties on a 401(k) early withdrawal?

    How to calculate the penalties on early withdrawals from your 401(k), including the 10% tax penalty, vesting and income tax.
  14. How Compounding Benefits Your Retirement Savings

    Allowing growth on your investments to compound over time gives you immense returns when saving for retirement.
  15. Can You Use Your IRA to Buy a House?

    If you're a first-time homebuyer (a term that's defined more flexibly than you think), you can tap your IRA to help with ...
  16. Know the Rules for Roth 401(k) Rollovers

    Rolling a Roth 401(k) into a Roth IRA is usually the optimal thing to do.
  17. Can Your 401(k) Impact Your Social Security Benefits?

    Find out why income from a 401(k) does not affect the amount of your Social Security benefits, but how it can impact your ...
  18. Top 9 Benefits of a 403(b) Plan

    Find out how the 403(b) plan helps employees of nonprofit entities meet their retirement goals.
  19. 4 Mistakes to Avoid If You Want Retirement Income

    If you don't want to retire poor, be sure to avoid these four mistakes.
  20. What to Do With Your 403(b) Funds if You Change Jobs

    If you have a 403(b) plan and change jobs, there are a few options for handling the funds in it.
  21. 8 Reasons to Never Borrow from Your 401(k)

    Find out why dipping into your 401(k) can have serious consequences.
  22. How to Really Take Charge of Your Retirement Plan

    Business owners and those who are self-employed may find that their 401(k) plans aren't enough.
  23. How People Fall Into a Debt Spiral

    If you're struggling to pay off your debt, you'll need to develop discipline and patience in order to dig yourself out.
  24. Retirement: What Percentage of Salary to Save?

    Researchers have looked at the percentage of salary you should save to ensure you end up with enough for a comfortable retirement. ...
  25. When Do I Stop Paying Social Security Tax?

    Almost never, unless you belong to one of these special groups.
  26. Using Your 401(k) to Pay Off a Mortgage: the Pros and Cons

    Learn the advantages and drawbacks of using assets accumulated within a 401(k) retirement savings plan to pay off your mortgage ...
  27. Protect Your Retirement Portfolio From Rising Interest Rates

    Rising interest rates have the potential to impact your retirement portfolio. Here's what helps.
  28. 9 Penalty-Free IRA Withdrawals

    If you need to take early distributions, find out which exemptions allow you to avoid expensive consequences.
  29. 5 Things to Do in Your 20s to Retire in Your 50s

    There are five things you can do in your 20s that will make it possible to retire in your 50s.
  30. Are We in a Baby Boomer Retirement Crisis?

    Statistics paint a gloomy picture for Baby Boomers and their retirement. So how bad is it? We take a look at recent research. ...
  31. What's the Average 401(k) Balance by Age?

    How much people have put away for retirement varies, naturally, by old they are. See how your savings stack up.
  32. Got Enough for Retirement? Check Your Spending Habits

    It doesn’t matter how much money is in your 401(k). What matters most is your spending habits.
  33. How Small Business Owners Can Save More for Retirement

    A retirement planning strategy that can help small business owners keep more of their earnings.
  34. Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  35. How 401(k) Matching Works

    Find out how employer matching of your 401(k) contributions works, including how employer contributions are calculated and ...
  36. Do You Have a Retirement Timeline?

    Being familiar with your retirement timeline will make the transition into retirement easier.
  37. Retirement Planning for Clients Who Outlive Savings

    Half of Americans lack any retirement savings. Here's how advisors can turn that around.
  38. Catch-Up Contribution Options for Business Owners

    Business owners have several different options when it comes to catch-up contributions.
  39. Which Retirement Income Tax Strategy Is Right for You?

    Here are four retirement income withdrawal strategies to consider before you retire.
  40. Top 5 Retirement Savings Habits to Start Now

    Use these 5 tips to start saving for retirement now and prepare for a better tomorrow.
  41. 401(k) Auto-Enrollment: The Best Savings Plan

    Savers need all the help they can get, even if it amounts to an offer they can't refuse. That's why the biggest improvement ...
  42. Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  43. Retirement Mistakes: Retirement Income as a Lump Sum or an Annuity?

    If you have a choice between a lump sum or an annuity payment at retirement, think carefully. The wrong choice could cost ...
  44. The Benefits of Starting an IRA for Your Child

    Many financial experts and educators believe that the earlier children begin learning about money, the better their chances ...
  45. The High Net Worth Guide to Social Security

    For well-off Americans, maximizing your net Social Security benefit requires a strategic approach. Work with a financial ...
  46. 5 Reasons Not to Borrow From Your Retirement Plan

    Your retirement plan should never be the first place to turn for a loan. Here's why.
  47. Don't Let These 10 Mistakes Ruin Your Retirement

    Make smart financial decisions and avoid these 10 retirement mistakes.
  48. How Is Your 401(k) Taxed When You Retire?

    The taxes you owe on your 401(k) at retirement depend on whether your funds are in a regular 401(k) or the Roth type.
  49. Your Options If You Don’t Qualify for a Roth IRA

    If you don’t qualify for a Roth IRA, there are other ways you can save for retirement.
  50. 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 ...
  51. Save More for Your Retirement by Managing Risks

    To fund your lifestyle in retirement you need to balance your risk capacity and tolerance.
  52. What We Can Learn From Teachers About Retirement

    Why are teachers, who are notoriously underpaid, in a better retirement position than high earners?
  53. Sometimes It Pays to Borrow from Your 401(k)

    401(k) loans have been demonized, but they're often the most beneficial source of cash.
  54. Closing Your Retirement Income Gap With a 403(b)

    Investing in a 403(b) plan can help close the gap between your retirement needs and actual income.
  55. The Basics of a 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Here's why.
  56. When Paying Off Debt with Your 401(k) Makes Sense

    Experts warn against touching your retirement savings early, but there are situations where it is the best financial decision. ...
  57. Why Saving 10% Won't Get You Through Retirement

    Retirement experts often tout the 10% rule: To have a good retirement, you must save 10% of your income. The truth is, most ...
  58. The Pros and Cons of Your Retirement Account Options

    The best way to save for retirement is to use one or more of the many retirement account options.
  59. How to Achieve a Financially Secure Retirement

    When it comes to investing for retirement, understanding what you can and cannot control is key.
  60. How Much Are Taxes on an IRA Withdrawal?

    How much taxes you'll pay on IRA withdrawals depends on a variety of factors. Use this guide to plan ahead.
  61. What's the Minimum I Need to Retire?

    Make sure your golden years are golden, not merely a struggle for existence.
  62. Keep Inflation at Bay With These Tips

    Take these steps to keep inflation from stealing your financial independence.
  63. A Simple Guide to Rolling Over An IRA or 401(k)

    There are three simple ways to roll over an IRA or an old 401(k) from a previous employer.
  64. 6 Important Facts Retirees Don't Know

    A new study reveals an alarming lack of knowledge among Americans ages 60 to 75 concerning their retirement finances and ...
  65. 3 Key Steps to Save More for Retirement

    Everyone should consider these steps to help them save more money for retirement.
  66. How to Invest in a Roth IRA Even With a High Salary

    Backdoor conversions offer a way to fund a Roth IRA despite a high income.
  67. 5 Ways to Lose Your Retirement Nest Egg

    These common mistakes can put your savings at risk. Find out how to avoid them.
  68. 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 ...
  69. Will Your Savings Support Your Retirement Lifestyle?

    Protect your retirement savings by planning for lifestyle inflation and longevity risk.
  70. 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 ...
  71. 15 Simple Tips to Save Money

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

    What are qualified default investment alternatives, and which one is the right fit for you?
  73. 401(k) Loan vs. IRA Withdrawal

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

    Blood, sweat and tears should belong in the gym, but your money deserves some training time too.
  75. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  76. 3 Retirement Account Rules to Know

    Stay up-to-date on regulation amendments to avoid penalties and take advantage of new opportunities.
  77. 4 Steps to Successful Retirement Savings

    These four steps can get you on the right path to meet your retirement goals.
  78. 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.
  79. Exceptions to the 60-Day Retirement Account Rollover Rule

    A non-qualified distribution might still be tax and/or penalty free under certain conditions.
  80. 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.
  81. 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 ...
  82. 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 ...
  83. 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.
  84. 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.
  85. What Investors Should Know About Target Date Funds

    Target-date funds can make sense in some situations, but other times they should be avoided.
  86. 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.
  87. 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.
  88. 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.
  89. Picking Funding Priorities: 401(k) vs. IRA

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

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

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

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

    This story illustrates the benefits of starting to save for retirement sooner rather than later.
  94. 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. ...
  95. 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.
  96. How Tax-Deferred Savings Boost Retirement Income

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

    Understanding the difference between tax-deferred and tax-free is key to planning for retirement.
  98. 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 ...
  99. The Best Retirement Account for You

    Taxable accounts, traditional IRAs and Roth IRAs all have advantages and disadvantages.
  100. 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 ...
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