Retirement Articles

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  1. 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. Here's what ...
  2. Accidentally Conservative: The Risk that Lies Ahead for Millennials

    Research shows that Millennials are substantially more conservative when it comes to their finances than previous generations. ...
  3. How Women In Transition Should Mind Their Finances

    With roughly 80% of women dying single due to divorce or outliving their spouses, they must become more involved in their ...
  4. Financial Changes When You Marry

    Before you tie the knot, here are some steps to take so the legal underpinnings of your marriage will be as solid as your ...
  5. Why These Three Retirement Rules of Thumb Are Bad Ideas

    We’re all looking for simple rules of thumb to help our retirement planning. But three popular ones - 3% savings, 4% drawdown, ...
  6. Seniors: Before You Co-sign That Student Loan

    If that loan isn't paid back, you could be on the line for the whole amount, plus penalties. Ask the 115,000 retirees whose ...
  7. Ignore This Demographic At Your Own Peril

    Hispanics have unique financial planning needs and attitudes, and financial advisers would be well-served by studying this ...
  8. Why Caregiving Costs Women

    Fueled by extended life expectancies, lost wages from reduced work and rising healthcare costs, women are now the hardest ...
  9. What's the Best Time to Get Long-Term Care Insurance?

    Consider applying for long-term care insurance much sooner than you'll need it. If you wait too long, premiums will likely ...
  10. 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 ...
  11. How To Manage Your Finances Through A Divorce

    Dividing assets and liabilities in a divorce can be a sad, complicated task. But with some planning, patience and the help ...
  12. Retirement Plans From Around The World

    How does the rest of the world stack up against the U.S. when it comes to planning and saving for retirement?
  13. Do You Have This Crucial Financial Letter?

    If you don't have a letter of intent in your desk, write one now. Here's why.
  14. How Good a Deal is an Indexed Annuity?

    Indexed annuities are marketed as a compromise between fixed and variable-rate products. But watch the fine print!
  15. Bulk Up Your Retirement

    If your business has receiveables, here's a smart way to leverage them to build up your retirement fund – fast
  16. Common Retirement Advice That DINKs Can Ignore

    The retirement rules are different when a couple has no kids. Spending more, retiring sooner – all kinds of options open ...
  17. To Love, Honor and Collect: You, Your Spouse and Social Security

    You may have earned your Social Security benefits on your own, but if you’re married, your collection strategy should be ...
  18. Peri-Retirement: The New Life Transition

    Use your 30s and 40s to imagine new life options – and try them on for size
  19. Millennials: Let’s Grab A Beer, Burger and a Movie In 2064

    Asking a 25-year old to save money for his 75-year old future self is like asking him to give money to a stranger. But if ...
  20. Top Pension Systems in the World

    The U.S. and Canada aren't even close to tops in retiree pensions. Canada ranks 6 of 20 countries; the U.S.,11th.
  21. 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 ...
  22. Don't Retire Early - Change Careers Instead

    Many people who long for early retirement simply may have never known what it's like to enjoy going to work every day. A ...
  23. 10 Sobering Findings About America’s Financial Literacy

    April is Financial Literacy Month, a time to highlight the importance of financial literacy and encourage Americans to learn ...
  24. The 401(k) Choice: Who's Right for a Roth

    Roughly half of U.S. employers offer a Roth 401(k). Anyone whose tax bracket is likely to increase later in life, especially ...
  25. Five Retirement Warning Signs for Millennials

    If Gen Y'ers don't want to keep working forever, here's what they need to do now.
  26. 10 Ways to Screw up Your Retirement

    There are many common traps that retirees or soon-to-be-retirees fall into. We’ve laid out the top 10 here to help you avoid ...
  27. Guide: How to Save on Expensive Funeral Costs

    According to the National Funeral Directors Association, the median cost of a funeral in 2012 was $7,045.
  28. Early Bird Doesn't Get The Social Security Worm

    Here’s an eye-opening statistic: 73% of Americans who are collecting Social Security (SS) today are receiving less than their ...
  29. Avoid Taxes on IRA Rollovers

    For years, IRA owners have been allowed to roll over their money from one IRA to another once a year without penalty, for ...
  30. Infographic - Catching Up In The Retirement Race

    Information on how to get to where you need to be in your retirement savings plan.
  31. The Devil in the Details: Five Retirement Budget Proposals

    President Obama got our attention in his State of the Union speech by calling for action on retirement. The President’s budget ...
  32. Five Tax Myths That Can Cost You Cash

    Relying on the wrong ideas about how to file your taxes could cost you plenty.
  33. How To Use Your Roth IRA As An Emergency Fund

    Do you feel like you don’t have enough money to save for emergencies and also save for retirement? An often-overlooked feature ...
  34. What Is Worse Than Being At Risk?

    You may have heard the old adage: “What is worse than being lost? Not knowing you are lost.” In that same vein: What is worse ...
  35. The Risks Of Investing In Emerging Markets

    In a volatile market, domestic investing can be risky. Many investors choose to look overseas for diversification - but that ...
  36. Five Steps To Retire Debt-Free

    Retiring without debt is a worthwhile goal, but a difficult one to achieve. If you're up to the challenge, follow these steps ...
  37. The Three Stooges Debunk myRA

    The mention of a government-backed IRA in Obama’s state of the union address earlier this year may look like a good deal. ...
  38. Five Reasons To Not Bother Retiring

    Here are five reasons it may make sense to forgo a traditional retirement today.
  39. Reverse Mortgages 101

    Just because you can apply for a reverse mortgage doesn’t mean you should. Get a general idea of how these work, as well ...
  40. Why Unemployment Rates Matter To Your Retirement

    Undoubtedly, unemployment is important for retirees and soon-to-be retirees. Also important is understanding the inflation ...
  41. Retirement Tax Changes For 2014

    To save efficiently for retirement, it pays to keep abreast of tax law changes. Limits on contributions for some plans have ...
  42. Maximizing Your IRA

    Dennis Miller interviews IRA expert Terry Coxon to find out clarify the different types of accounts – and which are right ...
  43. Retirement Woes Remain As Housing, Stock Markets Rebound

    Despite a rebounding stock market and recent housing gains, retiring comfortably remains an elusive goal for the majority ...
  44. How Much Do You Know About 401(k) Fees?

    Here is a quick breakdown of fees that most people should know about when they look at their retirement account.
  45. The Ty Cobb Approach To Retirement Investing

    Swinging for the fences isn’t always the best tact when you’re talking about investing.
  46. How Bernanke's Legacy Affects Retirees

    Ben Bernanke’s reign as Fed chairman has come to an end, and he’s leaving behind quite the legacy. The effects of this legacy ...
  47. Obama’s Retirement Cap Could Hit Middle Class

    President Obama plans to place new limits on how much Americans can contribute to tax-deferred retirement plans. Retirees ...
  48. What Is A Retirement Saver's Tax Credit?

    Here, we take an in-depth look a tax credit designed to provide relief to some people who are saving for retirement.
  49. A Second Look At Bonds

    Traditionally, bonds have been looked at as one of the safest investments around. But Dennis Miller has some analysis that ...
  50. 65 Is Not A Magic Number

    Just because you've reached 65 doesn't mean you have to retire - that is, if you don't want to. Read on to find out how your ...
  51. Debt: The Last Social Taboo?

    Debt need not be a personal tragedy nor a badge of shame. For some, it is simply a practical problem with practical solutions. ...
  52. Pension Promises Go Unfulfilled

    Folks who trust in their pensions to carry them in retirement can end up with a fraction of what they were promised.
  53. Hello, myRA: Retirement Savings for Beginners

    A new acronym has been added to the lexicon of savings and retirement plans - the myRA. That stands for My Retirement Account ...
  54. America's Frozen Pension Dilemma

    Unfortunately, there are several factors that have eroded the presence of pension plans in America, and workers need to be ...
  55. Why Americans Still Can't Escape The Recession

    National statistics indicate that the U.S. economy is finally gaining momentum. So why doesn't it feel that way for many ...
  56. How To Profit During High Inflation

    Some companies are better than others at pivoting their strategies to overcome inflation or other cost-increasing concerns. ...
  57. Tax-Smart Ways To Help Your Kids/Grandkids Pay For College

    Learn about plans and accounts that allow you to efficiently save for your child or grandchild’s education while shielding ...
  58. What Baby Boomers Need To Know About Making Out A Will

    Squarely addressing the prospect of your own mortality can be upsetting enough. But the financial questions surrounding what ...
  59. How To Find The Best One-Of-A-Kind Investments For You

    Investors who are seeking to understand lackluster performance also need to understand the underlying causes of their symptoms. ...
  60. Is It Ever Wise To Make Early Withdrawals From Your 401(k)?

    Investment experts generally frown on early withdrawals from a 401(k) account, but there may be some instances where it's ...
  61. Financial New Year's Resolutions You Can Keep

    Start the year off right by evaluating your financial health and setting impactful and achievable goals.
  62. Six Traits Of Successful Retirees

    Retirement mentor Dennis Miller identifies the six steps he finds most essential to a prosperous retirement.
  63. Why The 4% Retirement Rule Is No Longer Safe

    Some big-name investment firms believe the 4% rule for annual withdrawals is still valid but most advocate greater flexibility ...
  64. Getting The Most From Your 401(k)

    There are a lot of risks when it comes to building a strong nest egg, and it's important - now more than ever - to take an ...
  65. Avoid 'Winging' Retirement: Don't Make These Investment Mistakes In Your 50s

    Even with a good, solid retirement program well underway, there are important retirement mistakes to avoid once you're in ...
  66. Six Critical Rules For Successful Retirement Investing

    Specific retirement investing "rule of thumb" tips are helpful, but there are broader guidelines to follow if you want to ...
  67. 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 ...
  68. 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?
  69. 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 ...
  70. 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 ...
  71. 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 ...
  72. 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 ...
  73. 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, ...
  74. 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 ...
  75. 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 ...
  76. 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 ...
  77. Getting Shocked By Utility Stocks

    Utility stocks are traditionally thought of as safe investments, no matter what happens at Wall Street. A recent analysis ...
  78. 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 ...
  79. 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 ...
  80. 5 Ways To Protect And Grow Your Retirement: Whether You’re 45 Or 75 Or Somewhere ...

    Investors who take steps now can shield themselves from the coming challenges thrust upon retirees.
  81. 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 ...
  82. 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 ...
  83. 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 ...
  84. 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.
  85. 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 ...
  86. 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 ...
  87. 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 ...
  88. Freelancer Or Employer: Identifying Your Next Career Move

    Although the increasing accessibility of independent contracting has created job opportunities, it is important to remember ...
  89. 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 ...
  90. 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 ...
  91. 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. ...
  92. 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 ...
  93. The Basics Of A 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Find out why.
  94. 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 ...
  95. 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 ...
  96. 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 ...
  97. 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.
  98. 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 ...
  99. 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 ...
  100. 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 ...
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