Retirement Articles

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  1. 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.
  2. Are SIMPLE IRA Plans Really That Simple?

    Contrary to what their name implies, SIMPLE IRA plans aren't always simple for an employer.
  3. 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 ...
  4. 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.
  5. Using Your IRA to Buy Investment Property

    Explain how to use an IRA account to buy investment property.
  6. 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.
  7. 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.
  8. Gen Xers: Are You Financially Ready for Retirement?

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

    When it comes to required minimum distributions (RMDs), it pays to plan ahead.
  10. 3 Ways Qualified Charitable Distributions Can Lower Taxes

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

    Will the massive Baby Boomer generation, now retiring in droves, bankrupt the Social Security System?
  12. 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.
  13. 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 ...
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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 ...
  19. 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 ...
  20. 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.
  21. 5 Ways 20-Somethings Can Boost Retirement Savings

    Here are five tips to help Millenials save more for retirement while still in their 20s.
  22. 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.
  23. 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 ...
  24. 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?
  25. 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.
  26. 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 ...
  27. 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.
  28. 5 Questions to Ask Before Opening a New Retirement Account

    To avoid tax problems, ask the right questions before opening a new retirement account.
  29. 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.
  30. Health Savings Account: Your Extra Retirement Funds

    Funding a health savings account for retirement can save thousands of dollars in taxes.
  31. Six Critical Rules for Successful Retirement Investing

    Understand which investment vehicles and strategies build you the most fiscally sound retirement.
  32. 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.
  33. Investment Strategies for Your Retirement Accounts

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

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

    The pros and cons of two different ways to invest your retirement savings.
  36. 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.
  37. 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.
  38. Retirement Planning for the Self-Employed

    The three retirement-savings options best suited to the entrepreneur.
  39. 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. ...
  40. How to Save More for Your Retirement

    Be sure you know all the tax-advantaged ways in which you can save more for retirement.
  41. 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.
  42. How You Can Save for Retirement Without a 401(k)

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

    Having the right investment strategy is crucial for retirees who do not want to outlive their money.
  44. 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.
  45. 3 Goals to Focus on to Save More for Retirement

    These three strategies will put you on the path towards saving more for retirement.
  46. 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, ...
  47. How to Transition Investments to Retirement Years

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

    Here's why it makes sense to pay off your mortgage before you retire.
  49. 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 ...
  50. 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 ...
  51. 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.
  52. 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, ...
  53. Roth or Traditional IRA: Which Is Better for You?

    Investors should know the differences and similarities between a Roth IRA and a Traditional IRA.
  54. 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 ...
  55. How to Invest for Retirement When You're Working

    Here's how three different portfolios impact your retirement savings while you're still employed.
  56. 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.
  57. 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.
  58. 5 Ways Your Retirement Plan Can Fail

    There are far too many variables involved in retirement planning to just wing it.
  59. Which Type of 401(k) Is the Best Option?

    Roth 401(k) or traditional 401(k)? The correct answer has the potential to add hundreds of thousands of dollars to your net ...
  60. 4 Medicare Open Enrollment Mistakes to Avoid

    Avoid these 4 mistakes during the Medicare Open Enrollment period (Oct. 15 to Dec. 7).
  61. 3 Reasons to Convert Your IRA to a Roth IRA

    Having an IRA is smart. Knowing when to convert it to a Roth IRA is smarter because it can give you and your heirs a welcome ...
  62. Managing Your Own 401(k): Pros & Cons

    The decision to manage your 401(k) investments should not be made lightly. These pros and cons will help you determine if ...
  63. Why a 10% Deferral to Your 401(k) May Not Be Enough

    Deferring 10% of your income to your 401(k) may not be enough. Consider an income plan that draws on 360 degrees of income ...
  64. Why Future Retirees Will Need Over $1 Million to Retire

    The answer in one word: inflation.
  65. How to Calculate Required Minimum Distributions

    Ever wondered how to calculate required minimum distributions from multiple accounts? Here's a quick primer.
  66. Will State-based Auto IRAs Be Nixed by Trump?

    Will a new law that encourages states to develop IRA-based savings programs survive under the Trump administration?
  67. The Impact of Student Debt on Retirement Savings

    The burden of student loan debt can hinder the ability to save long term for retirement
  68. 5 Critical Steps to Take Before You Retire

    Exiting the workforce soon? You need to make sure your financial house is in order. These actions will help you on your way. ...
  69. Best ETFs For An Early Retirement (PEY, AGG)

    Based on today's markets, which ETFs could you buy in 2013 that'll provide the best opportunity for an early retirement? ...
  70. 4 Financial Recommendations for Millennials

    Explore four basic financial recommendations for Millennials. Find out why systematic savings, debt reduction and financial ...
  71. Is there any way to opt out of paying Social Security?

    Understand more about the purpose of the Social Security system and learn which groups of taxpayers are automatically exempt ...
  72. 403(b) Plans: The Flaws Teachers Should Know

    Here's a look at the many issues with teacher retirement plans, also known as 403(b) plans.
  73. 11 Social Security Calculators Worth Your Time

    The safest Social Security calculators to use when figuring benefits are on the official website. The best are the ones that ...
  74. 6 Reasons Not to Recharacterize Your Roth IRA

    If you're thinking of recharacterizing your Roth IRA into a traditional IRA account, here are six compelling reasons why ...
  75. The Best Strategies to Maximize Your 401(k)

    Use these tips to watch your retirement nest egg grow from quarter to quarter.
  76. 403(b)s Among Plans Not Covered by Fiduciary Rule

    Some retirement plans, including 403(b)s, are not covered by the DOL's new fiduciary rule. Here's what it means.
  77. Calculating the Present and Future Value of Annuities

    Here's everything you need to account for when calculating the present and future value of annuities.
  78. How Inflation Impacts Your Financial Planning

    Inflation can erode wealth over time and must be considered carefully in a financial plan.
  79. The Risks of Not Starting Retirement Savings in Your 20s

    Saving for retirement in your 20s can be challenging, but waiting to start can put your long-term financial future at serious ...
  80. Is the Middle Class Giving Up on Retirement?

    Americans aren't completely giving up on retirement, but many haven’t put away enough to take off at the traditional age ...
  81. The Basics of Roth IRA Contribution Rules

    What you need to know about Roth IRA contributions – from eligibility to dollar limits, deadlines to tax breaks.
  82. Divorce and Retirement Accounts: What You Need to Know

    These are the answers to five common questions on how to handle retirement accounts when couples divorce.
  83. The Purpose of Having a Social Security Number

    When (and why) it is necessary to use the nine-digit number the United States government issues to individuals and when you ...
  84. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  85. 10 Social Security Questions Everyone Asks

    The average American doesn’t know enough about Social Security. Here are answers to 10 of the more common questions people ...
  86. Don't Wait Too Long to Tap Into Your Retirement

    Are you approaching your 70th birthday? If so, you'll want to tap into your retirement accounts — before the IRS assesses ...
  87. How an IRA Works After Retirement

    You've read a lot about saving for your future retirement with IRAs. But what happens to the account when the future is here, ...
  88. Your 401(k) Is More Important Than You Think

    If you are thinking of dipping into your 401(k), think again. It’s one of your best sources of retirement income.
  89. How to Create a Worry-Free Retirement Income Plan

    A retirement income roadmap has many moving parts and may seem overwhelming at first to put together. Here's how to get started.
  90. Top Tips for Minimizing Taxes on Social Security

    Social Security benefits are taxable under certain circumstances. Here are some ways retirees can lessen the tax burden. ...
  91. 5 Secrets You Didn't Know About 401(k)s

    If your employer offers a 401(k), that should be your first stop for retirement savings – especially if your contributions ...
  92. 65 or Older? Have Elective Surgery This Year

    2016 is the last year that seniors only have to reach 7.5% of adjusted gross income before deducting medical costs. Have ...
  93. 4 Reasons You May Not Want to Delay Social Security Payments

    The longer you wait to collect Social Security, the more you get. But for people who are in failing health or need income, ...
  94. Teachers: Who is Managing Your 403(b)?

    It's imperative that teachers research the practices of their retirement fund managers, who should always be working in their ...
  95. Need Help Saving for Retirement? New Regulations Are on the Way

    The Department of Labor is enticing state governments to set up state-run retirement plans for private-sector workers, but ...
  96. When a 401(k) Hardship Withdrawal Makes Sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty ...
  97. Don't Listen to Advice Without Considering Taxes

    Do not fall prey to the flawed advice that we all have gotten in the past when it comes to saving for retirement. And don't ...
  98. Top 5 Costliest Health Issues Retirees Face

    The healthcare system today is murky, with plans changing what they cover. What are the costliest out-of-pocket or underestimated ...
  99. Should Retirees Reinvest Their Dividends?

    Find out why dividend reinvestment may or may not be the right choice for retirees, depending on their financial needs and ...
  100. CSIFX, CAAAX, CSXAX: Overview of Socially Responsible Funds

    Discover how socially responsible investing with Calvert Funds can be a highly profitable way to diversify your retirement ...
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