Retirement Articles

  1. The Big Squeeze On Your Wallet

    The Federal Reserve has been printing money to cover some of our debts, but how long can they do so without spawning hyperinflation?
  2. Money Mistakes You Can't Make In Your 40s

    According to Forbes, by 45 years of age, about three times your annual salary should be socked away in savings. Are you on track?
  3. A Million Dollars Isn’t What It Used To Be

    In 2007, an investor with $1 million could earn $60,000 annually on a certificate of deposit. Today, that same CD would earn $12,000, which makes things a lot more difficult.
  4. Tax Tips For The Last Quarter Of 2013

    Tax time may not be right around the corner, but the last quarter of the year is here, so it’s time to get in gear to maximize the potential for tax deductions as the year draws to a close.
  5. Magic Retirement Numbers: As Real As Every Elvis On The Las Vegas Strip

    Many folks find their "magic retirement number" when they are young and fully believe that if they hit that number, they will live the retirement of their dreams. What they don't realize is the number of assumptions that have gone into calculating that number.
  6. When The Offense Changes, The Defense Needs To Adapt

    Sports are like investing: you don’t blindly use a strategy without considering your opponent’s next move, his strengths, and his weaknesses. To win, you have to adapt.
  7. 7 Essential Questions To Ask Aging Parents About Their Finances

    No one wants to think about the aging of his or her parents, let alone plan for their death. Unfortunately, aging is a part of life, and in order to truly support your parents, it's best to start asking questions now.
  8. Tortoises Win The Retirement Race

    People are having children later in life, which leaves them with less time to accumulate savings for retirement. For late boomers, that means the time is now to start getting serious about retirement, even if they aren't empty-nesters just yet.
  9. Introduction To Retirement Money Market Accounts

    Money market funds are used in retirement plans and accounts because they are liquid, stable and pay competitive rates of interest.
  10. Getting Shocked By Utility Stocks

    Utility stocks are traditionally thought of as safe investments, no matter what happens at Wall Street. A recent analysis shows that this isn't really the case.
  11. Are You Really Retired Just Because You Stopped Working?

    Retirement doesn't have to mean the end of working, it can be just the end of working to get by every week. Retirement should be about working only if you want to, not because you have to.
  12. How To Cut Your Mutual Fund Fees By Up To 90%

    Most mutual funds don’t come close to beating the indexes they’re compared against. And yet they carry steep fees for active management. Find out how a little research and effort can cut your mutual fund fees.
  13. 5 Ways To Protect And Grow Your Retirement: Whether You’re 45 Or 75 Or Somewhere In Between

    Investors who take steps now can shield themselves from the coming challenges thrust upon retirees.
  14. What's The Point Of Owning All This Stuff?

    Are you a portfolio hoarder, hanging on to poor performers and investments that no longer match your objectives? It's time to purge those investments and put that money to use to match today’s needs.
  15. Washing Trades In A Canadian Registered Account

    For Canadian RRSP accounts, washing same-day trades and using money market funds to bridge the gap over a multi-day trading period saves investors the exchange fee and will help their bottom line while rebalancing securities. Read on to find out how to wash your trade.
  16. 4 Benchmarks To Keep Your Retirement Finances On Track

    In today’s near-zero percent interest rate environment the old ways of investing for retirement no longer apply. Learn the sober reality of the fundamental changes we all need to make to ensure we don’t run out of money during retirement.
  17. The Overlooked Answer To Retirement Woes: Your 401(k)

    Sometimes, landing free money is as easy as asking. Find out how to get the most out of your 401(k) retirement plan.
  18. Investing With A Purpose

    Your reasons for investing are bound to change as you go through the ups and downs of life. Setting goals is the first step in determining which investment vehicles are right for you.
  19. A Lousy Investment That May Be A Good Source Of Income

    In the past few years reverse mortgages have been heavily marketed as the way to become debt, and worry, free. For some seniors a reverse mortgage makes sense, for other though this dream product can quickly become a nightmare.
  20. Should You Trust Your Instincts On Gold?

    The trouble with gold is that even as stocks are going up and the gold price is hurting, investors and central banks are loading up on gold and silver like never before. There’s a disconnect here and one of these sides is right and one is wrong.
  21. Freelancer Or Employer: Identifying Your Next Career Move

    Although the increasing accessibility of independent contracting has created job opportunities, it is important to remember that this method of working also has considerable disadvantages in comparison with traditional employment.
  22. Should You Borrow Money To Make Investments?

    It's high time investors heed the yellow caution flags waving in front of their margin accounts. Much like the NASCAR driver who pumps his brakes to avoid disaster when he sees the caution flag, it's time for us to slow down.
  23. Will 2014 Mark The Return Of The CD?

    If bank rates follow the pattern that yields in the bond market have already begun to set, CD rates may be the first deposit rates to benefit from rising interest rates.
  24. The Pros And Cons Of Pension Maximization

    Pension maximization can be an effective solution to the single versus joint life payout dilemma that many retirees face. But, there are several factors, such as tax and investment matters, that will decide if this strategy is right for you.
  25. How Long Will You Work When You Should Be Retired?

    Many retirees work during retirement, some by choice following a passion and others by necessity to put food on the table and a roof over their heads. Increasingly it’s the latter group that is growing faster. Preparing now, even if you are retired, by making the right investments and saving more than spending can make the difference between a stress-free retirement and one filled with fear and doubt.
  26. The Basics Of A 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Find out why.
  27. 6 Tough Questions To Ask Before Retirement

    While the biggest factor in deciding when to retire is whether you still need or want to work, there are many other variables to consider to ensure a comfortable and secure life after work.
  28. Using ETFs To Replace Your Expensive Mutual Funds

    Fees associated with many mutual funds looks small. Some are barely over 1% or even lower. But over time those fees erode the overall value of your portfolio. And even in the near term, as in the example used in this article, you could end up paying nearly 20% of your gains just for the privilege of holding a fund.
  29. Turning A Subsistence Retirement Into A Luxurious Retirement

    It seems many investors these days, particularly seniors, either go it alone with no outside guidance or they completely abdicate responsibility to a financial advisor who may or may not have their best interests in mind. In this article we’ve tapped Jeff White, founder and president of American Financial Group, to show us how to get the most from using a financial advisor while keeping our independence.
  30. How Much Should You Have In Your 401(k) To Retire?

    Here are some tips for retirement goals, general investing rules and what to focus on while saving.
  31. How To Survive When Prices Double Every Day And A Half

    Hyperinflation can destroy your life savings in a matter of months or less. We’ve seen again and again throughout history…Germany in the 1920s, Hungary in the 1940s, Yugoslavia in the 1990s and Zimbabwe just a few short years ago. Hardest hit are seniors who generally don’t have many employment options for boosting their income.
  32. 3 Financial Tasks We Think Are Harder Than They Really Are

    Use these three tips to help put your financial situation into perspective. It turns out, organizing your finances isn't nearly as hard as you thought.
  33. What Is The Federal Employees Retirement System (FERS) And How Does It Work?

    Unless you are a government employee, you’ve likely never heard of the Federal Employees Retirement System, but if you work in the public sector or plan to in the near future, FERS is an acronym you will soon know well.
  34. Real Estate Investing: Is Now the Time to Take Advantage of the Current Buyer’s Market?

    Even though Dennis Miller spent well over three decades writing books and teaching the subject of negotiations, some of the best lessons he learned on the subject came from luck.
  35. The Hidden Fees In 401(k)s

    Learn about the conspicuously disclosed fees that lurk within your 401(k) investments.
  36. Certifications For Estate Planning

    These certifications can lead to a promising career, but is estate planning for you?
  37. When To Buy A Mutual Fund

    There is money to be made in mutual funds, but investors fall into several pitfalls that keep them from maximizing their profits. Read these tips to take the uncertainty out of investing in mutual funds and find out if mutual funds are a good fit for your portfolio.
  38. Should You Buy An Annuity?

    For many cash strapped seniors an annuity sounds like the perfect solution. And it can be if you think you’ll outlive your mortality date. The only trouble is that the insurance companies offering annuities have perfected estimating your mortality date based on factors like gender, birth year, where you live, where you were born, the age your parents died, and your health (or unhealthy) habits.
  39. Is Real Estate Ever A Wise Investment For Retirees?

    Being a landlord sounds like the path to riches: you buy some property, rent it out and watch the checks come in every month. The reality is that it’s a young man’s game. There’s just too much hassle, full time commitment, and risk associated with rental properties to be worthwhile for most retirees.
  40. The 10 Worst Financial Decisions You Can Make In Retirement

    In this time of fiscal uncertainty, there are many financial decisions that can make or break you during your formative years.
  41. Mandatory Pension Savings: Should Employers And Employees Be Forced To Make Contributions?

    The scale of the pension crisis in the U.S. cannot be denied, and there's a growing movement that supports the mandatory pension system that's been created in Australia and other parts of the world. But can the millions of working poor in America afford such a system?
  42. Money Tips To Stretch Your Retirement Nest Egg

    Learn the key investment and savings tips you need to ensure your retirement savings last as long as you do.
  43. The Cold, Hard Facts Behind Funding Your Retirement

    Most people, depending on which side of retirement they’re on, feel they either won’t ever be able to retire or stay retired once they are. Many of us watched our parent’s generation put their retirement savings into CDs paying 6%+ and just living off the interest.
  44. Planning Your Second Career

    A second career can provide opportunities whether you are worried about outliving your retirement savings, or you want to stay productive and do something meaningful later in life.
  45. How To Start Saving For Retirement

    If you establish these money-saving habits and patiently allow your wealth to build, you will be taking some huge steps forward in making your financial future more secure.
  46. An Introduction To The Keogh Retirement Plan

    Learn more about this popular defined-contribution retirement plan that many business owners, proprietors, and self-employed people can benefit from.
  47. Why Your Pension Plan Has Sovereign Debt In It

    One type of security pensions tend to invest in is sovereign debt, or debt issued by a government.
  48. How To Buy Annuities (And When Not To)

    Annuities are complicated products that require some basic homework to be done before requesting quotes. Retirees will want to think about how they envisage their lifestyle and even their potential mortality to come up with an annuity product that’s right for them, or not even buy one at all.
  49. How To Profit From Risk

    CDs may look safe and attractive but considering most pay a rate that is less than the rate of inflation seniors today risk actually losing money with CDs. We need to be our own money managers now and do the research that’s required. Much of that research is already done and can be purchased through various newsletters.
  50. Investing In REITs Instead Of Property

    Learn why this one particular REIT is a better investment than holding physical property in your retirement portfolio.
  51. 5 Signs It's Time To Retire

    Leaving the workforce isn't always an easy decision. Are you ready to take the leap?
  52. Will Obama’s Chained CPI Help Keep Inflation From Eating Into Your Savings?

    Learn the ways in which inflation nibbles away at your retirement income, especially in light of the President’s proposal for Chained CPI adjustments to Social Security.
  53. How Baby Boomers Will Change The Way Others Retire

    Generation X and Generation Y still have many lessons to learn from their elders, including how to make the most of retirement in the 21st century. Find out what retirement trends baby boomers are setting for younger generations.
  54. Enough Money To Not Worry

    Our retirement goals have not changed. We still want enough money to not have to worry about it. How we go about getting there, however, has been changed dramatically.
  55. 5 Smart Ways To Use Your Tax Return

    This year, find out how to stretch your tax refund further to strengthen your future.
  56. The Best ETFs For Your 401k

    ETFs can be a good alternative to traditional retirement fund options because of their low cost, superior performance and liquidity.
  57. Retirement: The One Thing Couples Shouldn't Do Together

    Staggering retirement can have both financial and emotional benefits for married couples.
  58. Financial Solutions For Young Women

    Break through the stereotypes and find out how to manage your life to meet your needs.
  59. The Riskiest Investment Moves for Retirement That Could Pay Off

    Before incurring additional risks in your retirement portfolio, be sure to understand the alternatives and the consequences of your strategy.
  60. Countries That Are Failing To Save For Retirement

    Banking giant HSBC recently unveiled the results of an international research project, which revealed that many U.S. citizens face a significant decline in their standard of living during the final seven years of retirement.
  61. Why The 4% Rule No Longer Works For Retirees

    Researchers have proven that the 4 % rule, which stated that retirees can withdraw 4% of the value of a portfolio each year without depleting the principal for 30 years, is not a realistic withdrawal method for retirees.
  62. Bloated Budget? How To Trim The Fat

    Blood, sweat and tears should belong in the gym, but your money deserves some training time too.
  63. Top 5 Budgeting Questions Answered

    You don't need a degree to understand your money, begin saving and pay down debt.
  64. Investing In IPO ETFs

    Learn the history, rules and risks of investing in IPO exchange-traded funds.
  65. Keeping Track Of Retirement Plan Assets

    Maintain records of your pension benefits or risk losing them.
  66. Managing Income During Retirement

    Learn some sensible strategies for making your hard-earned savings last for as long as you need them.
  67. Retirement Savings Plans For Kids

    It's never too early to save for the future - learn how your children can get started.
  68. Retirement Savings Tips For 35- To 44-Year-Olds

    Learn how the "sandwich generation" can save for retirement while taking care of their kids and parents.
  69. Emerging Market ETFs For Your Retirement Accounts

    Emerging market ETFs are typically seen as riskier investments, but some of them may be able to strengthen your retirement accounts.
  70. 6 Retirement Savings Tips For 45- To 54-Year-Olds

    Now is the time to kick savings into high gear. Find out how.
  71. How The Cost Of Debt Affects Retirement

    If you are someone who is closer to the end of your working career, such a large amount may be almost unmanageable.
  72. What Could The End Of Retirement Mean?

    Most Americans are saving only about 4% for retirement, which could mean that many U.S. citizens will never retire.
  73. How Children Can Help Parents With Retirement

    Sometimes the elderly lose their cognitive skills, that's when it may be time for their children to step in and assist with retirement planning.
  74. 5 Ways To Stretch Your Retirement Budget

    Living comfortably can be easy if you follow a simple plan.
  75. Popular Ways To Delay Retirement

    From staying in the workforce longer to finding a part-time job after retirement, there are many ways that retirees postpone retiring completely.
  76. Is Working Longer A Viable Retirement Plan?

    People who are planning poorly for retirement are simply deciding to work longer - often out of neccessity. Is this a smart idea?
  77. 5 Common Misconceptions About ETFs

    The rise in these funds' popularity has contributed to misinformation about what they are and how they work. Learn more here.
  78. The Dangers Of A Reverse Mortgage

    In many circumstances, a reverse mortgage can be a risk to your financial security. Here are six dangers you should consider before signing on the bottom line.
  79. 5 Misconceptions About ETFs In Retirement Accounts

    The simplicity of ETFs and their low fees make them perfect for retirement accounts.
  80. New Year Planning For Business Owners

    Make a resolution to start your business off on the right foot in the new year.
  81. Best ETFs For An Early Retirement

    Based on today's markets, which ETFs could you buy in 2013 that'll provide the best opportunity for an early retirement?
  82. 5 ETFs For Retirees

    These are some of the good choices for ETFs if you are in the late stages of retirement planning.
  83. Planning Your Retirement Using The Monte Carlo Simulation

    You can use the Monte Carlo Simulation to improve your retirement planning.
  84. Goal-Based Investing: Not What You Think It Is

    Goal-based investing seems like an obvious tactic. But many investors have only a vague idea what their goals are, much less how to achieve them.
  85. A Pre-Retirement Checkup

    Are you on track to post-work bliss? We'll tell you how to find out.
  86. Save Early For Retirement If You're A High Earner

    If you earn a high income, there are many ways you can save extra money for an early retirement.
  87. The Fiscal Cliff And Your 401(k)

    With the looming fiscal cliff, here's a look at how it could affect your retirement planning.
  88. Simplify Your Portfolio

    Faced with an overabundance of choices, many investors forget to stick to the basics.
  89. Are You On Track To Hit Your Desired Net Worth By Retirement?

    Here are some calculations to determine if your net worth is what it should be at your age.
  90. 6 Tips For Increasing Your Net Worth

    Here are the six best things you can do to increase your net worth.
  91. Why You Should Know Your Net Worth In Retirement

    Just because you are comfortably in retirement, that doesn't mean you should stop keeping track of your net worth.
  92. Plethora Of 401(K) And IRA Changes Coming

    For investors, the recent rules changes governing both 401(K)s and IRAs can be seen as a big win for the little guy.
  93. What To Do If Your Company Cuts Your 401(k)

    IBM has made a move to not match 401(k) contributions each pay period. Instead, there will be a lump sum at the end of each year.
  94. Tax Credit For Plan Expenses Incurred By Small Businesses

    Determine whether your business is eligible to claim a tax credit for establishing a retirement plan.
  95. Retirement Plan Tax Form 5329: When To File

    Read this if you've taken early distributions or owe excess-contribution or excess-accumulation penalties.
  96. Saver's Tax Credit: A Retirement Savings Incentive

    Here's another reason to put money toward your retirement nest egg.
  97. After-Tax Balance Rules For Retirement Accounts

    Accumulating post-tax assets can work to your advantage. Find out how.
  98. Retirement Plan Tax Form 8606: When To File

    If you have a Roth IRA, you are responsible for keeping track of your pretax versus after-tax assets.
  99. Is A Retirement Career Right For You?

    More and more people are realizing they must work part time during retirement. Here's a look at if you might have to.
  100. Why You Shouldn't Die In 2013

    Increases in estate tax rates and possible fiscal cliff implications will make things more difficult when it comes to arrangements for your death.
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