Retirement Articles

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  1. 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.
  2. How Inflation Impacts Your Financial Planning

    Inflation can erode wealth over time and must be considered carefully in a financial plan.
  3. 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 ...
  4. 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.
  5. 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 ...
  6. 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.
  7. 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.
  8. 4 Mistakes to Avoid If You Want Retirement Income

    If you don't want to retire poor, be sure to avoid these four mistakes.
  9. 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 ...
  10. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  11. 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 ...
  12. 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 ...
  13. Picking Funding Priorities: 401(k) vs. IRA

    Here are some points to remember as you're choosing where to put your retirement savings.
  14. 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, ...
  15. 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.
  16. 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.
  17. 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. ...
  18. 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 ...
  19. 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 ...
  20. 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.
  21. 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, ...
  22. 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 ...
  23. 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 ...
  24. 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 ...
  25. 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 ...
  26. 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 ...
  27. 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 ...
  28. 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 ...
  29. How to Plan a $1 Million Retirement on a Minimum-Wage Salary

    A $1 million retirement is a nice round number to shoot for, and with the right planning it’s potentially doable, even on ...
  30. Why Retirement Plan Sponsors Could Face Litigation

    A Supreme Court decision makes it easier for retirement plan participants to sue their employers. Apathy is not a strategy ...
  31. Your 401(k): What's the Ideal Contribution?

    If done properly, planning for retirement can affect the quality of life at retirement age — for the better. Here's what ...
  32. Top 10 Mistakes to Avoid on Your 401(k)

    Funding and managing your 401(k) is critical to a financially healthy retirement. Avoid these top 10 mistakes.
  33. Retirement Funds: What Not to Do with Extra Cash

    Before you cash out or raid one of your retirement funds, consider the following things you should not do with that money.
  34. For Young Investors: Too Many Choices, Too Few Dollars

    Your retirement may be decades away, but this is no time to procrastinate.
  35. Why Millennials Are Stressing About Saving for Retirement

    Millennials can't afford to put off saving for retirement, but planning for their later years is proving to be nerve-racking ...
  36. NUSFX, NOIEX, NOSIX: Top Northern Trust Funds for Retirement

    Discover how to use Northern Trust mutual funds to create a highly diversified and moderately conservative portfolio with ...
  37. CBLAX,NINDX,NTIAX,RDLAX: Top Columbia Funds for Retirement

    Discover the advantages of using mutual funds to diversify your retirement savings. Learn which Columbia Funds build the ...
  38. HBLAX, HQIAX, IHGIX, HGIYX: Hartford Funds for Retirement

    Discover five mutual funds from The Hartford Funds that create a well balanced and profitable base for your retirement savings ...
  39. Is Real Estate Your Retirement's Secret Weapon?

    With stocks maybe peaking and fixed-income investments paying less and less, real estate could be the growth opportunity ...
  40. MLDAX, MAPPX, CPOAX: Top Morgan Stanley Funds for Retirement

    Learn how to use mutual funds from Morgan Stanley to create a high-growth retirement savings portfolio with global diversification.
  41. PEYAX, PGEOX, PGRWX, VSCAX: Top Putnam Funds for Retirement

    Discover the best Putnam Investments mutual funds for retirement diversification, and learn where to allocate your investments ...
  42. FKGRX, FRSGX: Franklin Templeton’s Top Funds for Retirement

    These are Franklin Templeton's top mutual funds and ETFs for a diversified retirement portfolio.
  43. 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 ...
  44. DQIAX,DBOAX,PEOPX: Top Dreyfus Funds for Retirement

    Learn which five Dreyfus funds provide the best portfolio diversity combined with stability of investment returns for any ...
  45. MYCIX,MBAIX,MTRAX: Top 5 Mainstay Funds for Retirement

    Discover how to use award-winning MainStay mutual funds from New York Life to build a high-quality and diversified retirement ...
  46. Is Auto-enrollment in 401(k)s Killing Returns?

    Automatic 401(k) enrollment takes some of the hassle out of saving for retirement, but taking a hands-off approach may end ...
  47. REQTX: Top 4 Russell Funds for Retirement

    Discover four mutual funds administered and managed by Russell Investments that would add diversification benefits to a retirement ...
  48. PQIDX,PONDX,PBDDX: Pimco's Top Funds for Retirement Income

    Once you're living off the money you've saved for retirement, is it invested in the right assets? Here are some from PIMCO ...
  49. 10 Little Known Ways to Reduce Your 401(k) Taxes

    These clever strategies will help you hold onto your money – so you'll have more available for your retirement.
  50. OAKLX,OAKIX,OAKWX: Top 3 Oakmark Funds

    Learn about what makes Oakmark Funds desirable for retirement investing. Read about the top three Oakmark funds to research ...
  51. MMUFX: Top 5 MFS Funds for Retirement Diversification

    Discover the five best MFS funds for retirement savings diversification. Learn why America's first mutual fund is still a ...
  52. 5 Reasons to Retire in Canada

    From proximity to the U.S. to affordable healthcare, there are at least 5 great reasons to consider moving to Canada for ...
  53. The Vanguard Effect: Lower Expenses, Higher Returns (IHF, VHT)

    Vanguard distinguishes itself by being the low-cost provider in a crowded field of mutual funds and ETFs.
  54. Top 3 Health Insurance Options if You Retire Early

    Early retirees will need to maintain coverage until they become Medicare-eligible at age 65.
  55. I Maxed Out My 401(k)! Now What?

    Fear not: There are smart ways to ensure that your retirement nest egg keeps growing.
  56. Millennial Women Falling Behind in Saving for Retirement

    Millennials are putting money away for retirement, but a study by T. Rowe Price shows female millennials aren't doing as ...
  57. HACAX: Top Harbor Funds for Retirement Diversification

    Learn more about Harbor Funds and its top four funds for retirement diversification in 2016, including each fund's manager, ...
  58. Understanding Medicare Part D Risks

    The biggest Medicare Part D risk is not having the right plan to cover the prescription drugs you need. And there are others. ...
  59. 7 Tips to Have the Best Health Savings Account (HSA)

    You want the best health savings account you can find to cover your healthcare costs. Here are tips to help you locate one.
  60. OAEIX,OPPAX: Oppenheimer Funds’ Top Funds for Retirement

    These four mutual funds are OppenheimerFund's best for retirement portfolios.
  61. 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.
  62. 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.
  63. 8 Reasons To Never Borrow From Your 401(k)

    Find out why dipping into your 401(k) can have serious consequences.
  64. Work & Collect Social Security in Retirement?

    What to consider if working in retirement while collecting Social Security.
  65. EXDAX: Overview of Top Manning & Napier Funds

    Learn about four mutual funds administered and managed by Manning & Napier that can help investors diversify their retirement ...
  66. The Top 4 Credit Suisse Funds for Retirement Diversification in 2016

    Discover the top four Credit Suisse funds for retirement diversification in 2016, complete with a description of each fund ...
  67. 3 Ways to Get Better Retirement Returns in the Next 20 Years

    With investment returns projected to decline over the next 20 years, savers may need to tweak their plans to ensure better ...
  68. How to Identify a Good Trustee

    Your estate plan is only as good as your trustee. Choose the wrong one and it can create a bad situation for your heirs. ...
  69. Should Retirees Take a Gamble on Leveraged ETFs?

    Leveraged ETFs offer the potential for big rewards, but retirees must weigh the risks before adding them to their portfolio. ...
  70. The Downside of Spending Retirement Savings

    Thinking of borrowing or withdrawing funds from your nest egg to cover a financial emergency? You may want to find other ...
  71. How Are Dividends On IRAs Taxed?

    Reinvesting dividends in an IRA is a great way to grow your retirement funds faster, but be sure you understand the potential ...
  72. Why Women Retire with Less Money

    The gender gap plays a significant role in women's ability to put aside enough money for a comfortable retirement. How to ...
  73. 5 Vacation Discounts for Retirees

    Now that you’re retired, you can take a vacation whenever you want (unless, of course, you signed up for grandkid daycare). ...
  74. Medicare 101: Do You Need All 4 Parts?

    At age 65, most people have to sign up for Medicare. Learn which of its four programs are mandatory – and which you can skip.
  75. Carl Icahn's Q1 Investments: PYPL, AAPL

    Billionaire hedge fund manager Carl Icahn reduced his holdings in PYPL and AAPL in Q1. Let's find out why.
  76. Why Delaying Retirement for Your Child’s College Is a Bad Idea

    Sparing your child a mountain of student loans is admirable, although it might not make sense to delay your retirement in ...
  77. How to Use Active and Passive Investing for Retirement

    For most investors, sticking with a passive strategy for retirement investing will probably result in the best long-term ...
  78. Why Rate Hikes Would Be Great for Retirees

    The Fed’s plan to start raising rates later this year might help, but it's unlikely to be a panacea for fixed-income investors. ...
  79. Variable Annuities: A Good Retirement Investment?

    Variable annuities provide lifetime payments and tax-deferred growth, but – given their hefty fees – are they right for you?
  80. Picking Retirement Stocks: Dividends vs. Free Cash Flow

    Instead of focusing on dividend payments, a better metric for choosing stocks for your retirement portfolio could be a company’s ...
  81. Should Your Required Minimum Distribution Be in Cash?

    What is the most tax-efficient way to take required minimum distributions from your retirement plan? Several financial advisors ...
  82. Should Retirees Buy or Lease Cars?

    To buy or lease – that is the question. For retirees, access to safer cars, comprehensive warranties and tax deductions may ...
  83. Retirement Strategy: Should You Be Buying More Stocks?

    Conventional wisdom says your retirement portfolio should be 60% stocks/40% bonds at retirement age, with ever fewer stocks ...
  84. Is Saving a Virtue to Retire in a Low Interest Rate Environment?

    For money you may need short term, an FDIC-insured account is still best. But in the long term, a portfolio of bonds and ...
  85. Scottrade: How Good Are Its Retirement Services

    Scottrade, founded in 1980, offers a wide range of financial services and investment possibilities for retirement assets. ...
  86. The 5 Best Cars for Retirees

    Remember the old "boat" that granddads used to drive? Things have changed: Witness this list of smaller, safer SUV, sedan ...
  87. Retirees and Cars: New or Used?

    You have to consider more than just the purchase price: Insurance, the warranty, resale value and how much you plan to drive ...
  88. The Retirement System in Utah

    While Utah isn’t quite as generous with employee retirement benefits as it once was, its contribution rate for new hires ...
  89. Delaying Retirement? Here’s How to Tweak Your Plans

    Putting off your exit from work can be good for your health, but don’t forget to look at how that decision affects your saving ...
  90. Diversification: Your Best Retirement Planning Tool

    Holding a mix of investments in your portfolio can help you avoid selling at a loss. This list of asset classes with specific ...
  91. Early Retirement: Strategies to Make Your Wealth Last

    You want more time to pursue your passions without being tied to a time clock. Great! But you need a plan for making your ...
  92. TD Ameritrade: How Good Are Its Retirement Services (AMTD)?

    TD Ameritrade has a solid reputation for retirement services. If you are thinking of putting your assets there, here’s what ...
  93. 5 Top Alternatives to a Reverse Mortgage

    If you have substantial home equity and don't want to do a reverse mortgage to tap it for retirement expenses, cost out these ...
  94. T. Rowe Price: How Good Are Its Retirement Services (TROW)?

    If you’re thinking about placing your retirement assets with T. Rowe Price brokerage, in business since 1937, here’s what ...
  95. The Retirement System in Florida

    Retired Florida employees can choose a 401(k)-style investment plan or a traditional pension.
  96. The 401(k) Gender Gap

    Women aren't investing in 401(k) plans at the same rate as men - which will cost them big time at retirement. To reap the ...
  97. Top 8 States for Starting a Business in Retirement

    Starting a business in retirement can be rewarding and where you decide to do it can have a significant impact on your long-term ...
  98. How Inflation Eats Away at Your Retirement

    When calculating how much money you need to comfortably retire, it's important to factor in how much inflation can chip away ...
  99. Why Your Retirement Portfolio Can’t Rely on High Rates of Return

    Some experts speculate that stock market returns may be headed downward and investors should strategize accordingly. But ...
  100. Fidelity: How Good Are Its Retirement Services?

    Fidelity is one of the leading brokerage firms in the U.S. The company has several retirement plan offerings and services ...
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