Retirement Articles

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  1. Rolling Over a 401(k)? Consider the Fees

    Normally, there's no fee to roll over a 401(k) account. But ask your broker about the cost of opening a new account. That's ...
  2. How To Set Up A Trust Fund In The U.K.

    A guide to the whys and wherefores of setting up this most versatile of estate-planning instruments in the United Kingdom.
  3. How To Set Up A Trust Fund In Australia

    No, they're not just for the super-rich. But you need to know the rules.
  4. 401(k) Investment Policy Statement Example

    Here's what a 401(k) investment policy statement should look like.
  5. Traditional and Roth IRAs: Which is Better for Taxes?

    Choosing a Traditional IRA over a Roth IRA, or vice versa, depends on financial situation and long-term goals, especially ...
  6. Non-Qualified Deferred Compensation Plan Vs. 401(k)

    What's are the key differences between these two retirement savings plans?
  7. ETFs Designed for Retirement Income

    These seven ETFs offer several advantages over traditional ETFs, especially for investors seeking retirement income.
  8. 401(k) Risks Advisors Should Know About

    Lawsuits are challenging the the fiduciary duty of plan sponsors related to 401(k) fees. Here's what financial advisers should ...
  9. Steps To Replace Or Update Your Social Security ID

    Investopedia's step-by-step guide to filling out the form that gets you a new or replacement Social Security card.
  10. The Purpose Of Social Security Form SS-5

    If you need a new Social Security card, you need to fill out form SS-5. Despite the details, the process is more time-consuming ...
  11. Understanding Social Security Eligibility

    Who qualifies for Social Security payments and when can they get them?
  12. Can My Retirement & Social Security Be Garnished?

    You have some protection from creditors, but it's limited. Here's a quick run-down of what to expect.
  13. Comparing IUL Insurance to IRAs and 401(k)s

    Indexed universal life insurance is the rise. But critics argue that wisely allocated IRA and 401(k) funds will normally ...
  14. Top 10 Mistakes To Avoid On Your IRA

    IRA rules are complicated. It's easy to make mistakes – and they can cost you big time.
  15. Best Roth IRA Stocks for 2015

    Looking for stocks with long-term potential for your Roth IRA? Here are the top seven picks for 2015.
  16. The Risk of Offering Social Security Advice

    Savvy financial advisers will either need to gain Social Security advice expertise or find a source or partner to provide ...
  17. Trading Options in Roth IRAs (SCHW)

    A breakdown of the do's and don'ts of trading options in a Roth IRA.
  18. IRA Accounts With No Minimum Deposit For 2015

    Three ways to start saving for retirement with a Roth or traditional IRA, no matter how little you have to invest.
  19. 5 Secrets You Didn't Know About Traditional IRAs

    A traditional IRA gives you a current-year tax benefit and future years of tax savings – minus the income restrictions that ...
  20. Take These Simple Steps To Open An IRA

    Take these simple steps to set up an Individual Retirement Account that will save you tax money and set you up for the future.
  21. Qualifying Assets For Your IRA

    You're not allowed to hold every kind of asset in an IRA. What can you include – and which ones are banned?
  22. Best 2015 IRA Promotions

    Move your IRA to (or open a new one at) one of these retirement-fund custodians and you could get a cash reward – 401(k) ...
  23. When Retirement is Around the Corner

    With thousands of Baby Boomers reaching retirement age every day, here's a guide as to how financial advisors should approach ...
  24. CITs Offered in 401(k) plans.

    What you need to know about collective investment trusts offered in 401(k) plans.
  25. Coming Soon: Private Equity In 401K Plans

    The day will soon come when private equity is commonly found among 401(k) plan investment options. Here's who's leading the ...
  26. Social Security Changes For 2015

    The average retiree’s check will rise by 1.7% in 2015, the Social Security Administration says. And the ceiling on taxable ...
  27. How Advisors Can Protect Inherited IRAs

    A new Supreme Court ruling has some financial advisors rushing to set up trusts to help protect inherited IRAs. Is that necessary?
  28. The Most Common Roth IRA Investments

    What types of investments are most likely to be found in a Roth IRA (and why)?
  29. Roth IRAs: Investing And Trading Do’s And Don’ts

    Just what can you invest in in a Roth IRA? And what constitutes a prohibited transaction?
  30. Self-Directed IRA: The Right Move For You?

    How to benefit from the self-directed IRA's increased investment opportunities – and avoid the scams.
  31. Mutual Funds Commonly Found In Retirement Plans

    If you have a 401(k), these fund names should ring a bell. Here's how and why.
  32. ETFs Commonly Found In Retirement Accounts

    Which ETFs are popular in retirement accounts? Here's a look at several and why they might be right for you or your client.
  33. Top 5 Strategies To Pay For Elder Care

    The cost of a nursing home, assisted living facility or home care can be ruinous. Try these routes to help seniors qualify ...
  34. Reverse Mortgage Or Home-Equity Loan?

    If you have equity in your home and need more cash in retirement, a reverse mortgage – or home-equity loan or line of credit ...
  35. Power Of Attorney Form

    Be sure that any
  36. Power Of Attorney: Do You Need One?

    Having a power of attorney ensures that you select who will act for you when you are unable to handle your affairs. Without ...
  37. Independent 401(K): A Top Retirement Vehicle For Sole Proprietors

    This vehicle has several advtanges over the SEP IRA. Find out why it's often a better alternative.
  38. Guide To 401(k) And IRA Rollovers

    Follow the steps detailed below when you need to roll over your 401(k) or IRA account to be sure you preserve tax benefits ...
  39. Should You Convert Your IRA?

    Discover the factors you must weigh to make this decision.
  40. How Much Social Security Will You Get?

    You've been paying in for years - now it's time to find out what the system owes you.
  41. Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free.
  42. Watch Your Back In The Annuity Game

    Find out how to get the upper hand when dealing with this payout challenge.
  43. How Gen Y Can Avoid Working Forever

    Despite tough odds, Gen Y has time to build a strong future with more control over their lives than earlier generations. ...
  44. Immediate Annuities: More Income and Lower Taxes

    These instruments may shed their bad rap to bring you a hefty tax break.
  45. Tips On How To Use IRAs To Boost Retirement Savings

    According to the Trustees of the Social Security Fund, the fund will be depleted by 2037. Are you ready?
  46. The Seasons Of An Investor's Life

    From a tentative spring to a comfortable winter, learn how to weather the phases of your investing journey.
  47. IRA Assets And Alternative Investments

    Interested in non-traditional investing? Make sure you follow the rules to avoid prohibited transactions.
  48. LTC Annuities: 2 Safety Nets In 1

    Pairing insurance and an annuity sounds good, but do you really need this much coverage?
  49. Who Benefits From Retirement Annuities

    Annuities guarantee some degree of fixed income in retirement. But is the security worth the fees and less favorable tax ...
  50. Benefits Of A SIMPLE IRA

    If you're at a small company, you may be offered a SIMPLE IRA retirement plan. Contribution limits are lower, but vesting ...
  51. Substantially Equal Periodic Payment (SEPP): Learn The Rules

    Taxpayers often make costly mistakes with SEPP programs because there is little guidance on what can be done in certain situations. ...
  52. Delaying Social Security Can Add Up

    The age you start collecting Social Security benefits significantly affects how much you will get each month. Do the math ...
  53. Create Your Own Social Security Fund

    The government's Social Security program may not last forever - be prepared by setting up your own.
  54. Don't Forget To Take Minimum Distributions

    Take the right required minimum distributions from IRAs, 401(k)s and the like, starting the year you reach age 70 ½. There's ...
  55. Is Your 401(k) Administrator Competent?

    The more that employees know about their employee 401(k) plans, the better. But what doesn't your administrator know?
  56. The Danger Of A 401(k) Flameout

    It looks like the 401(k) has failed, but what are the repercussions, and how can you protect yourself?
  57. 11 Things You May Not Know About Your IRA

    These little-known features will help you get the most out of your retirement savings.
  58. Make No-Load Annuities Your Viable Alternative

    These alternative retirement funds provide diversification with no fees, so what's the catch?
  59. 401(k) Plans: Roth or Regular?

    How to decide which type of 401(k) retirement savings plan makes the most sense for you. Or should you hedge your bets and ...
  60. Strategies For Your Roth 401(k)

    A Roth 401(k) can add much to your retirement funds, especially if you start saving early and end up doing well financially. ...
  61. How To Make Maximum Money On Your 401(k)

    Now that 401(k)s have put managing retirement money into employees' hands, you can't just contribute and forget it. How to ...
  62. 5 Investments You Can't Hold in an IRA/Qualified Plan

    The list of prohibited investment vehicles is short, but it's important to know what is off limits.
  63. Passing The Buck: The Hidden Costs Of Annuities

    These may look like good retirement vehicles, but beware of the fees buried in the fine print.
  64. Business Owners: How To Set Up An SEP IRA

    SEP IRAs are simple to set up and run, making them a popular choice for business owners.
  65. Start Saving With A Roth 401(k)

    Here are the steps to take if you want to choose – and make the most of – a Roth 401(k) as you save for retirement.
  66. An Analysis Of Social Security Benefits And Their Future

    Social Security is a significant driver of the US economy--as good a reason as any to make sure you understand it!
  67. Using The Social Security Website To Get Answers

    The Social Security website is full of useful information. To save you time, here's a guide – and links – to finding answers ...
  68. Types Of Social Security Benefits

    Social Security isn't just for the retired. It also pays benefits to the disabled, widows and widowers, children, stepchildren, ...
  69. Who Pays Your Social Security Benefits?

    The short answer is, current earners. Taxes on current wages pay the Social Security benefits of retirees, the disabled, ...
  70. 4 Ways to Maximize Your 401(k)

    Prime your 401(k), 403(b) or other defined contribution plan by using these techniques to boost your average rate of return.
  71. The Rise of 401(k) Brokerage Accounts

    Many 401(k) plans now allow participants to trade stocks and bonds by offering brokerage accounts inside the tax-deferred ...
  72. An Introduction To Target Date Funds

    Target date mutual funds can be an alternative to bonds and CDs for investors who do not wish to actively manage their savings. ...
  73. Protect Vs. The High Cost Of Caring For A Parent

    Fueled by extended life expectancies, lost wages from reduced work and rising healthcare costs, women are now the hardest ...
  74. 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!
  75. 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 ...
  76. 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 ...
  77. 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 ...
  78. 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.
  79. 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 ...
  80. 5 Misconceptions About ETFs In Retirement Accounts

    The simplicity of ETFs and their low fees make them perfect for retirement accounts.
  81. 5 ETFs For Retirees

    These are some of the good choices for ETFs if you are in the late stages of retirement planning.
  82. How IRA Contributions Affect Your Taxes

    Learn how to work with the tax man to avoid getting gouged when you convert your plans.
  83. Tax Treatment Of Ineligible IRA Rollovers

    Eager to save for retirement? Learn how to avoid overpayment penalties.
  84. How To Create A Financial Bucket List

    This article discusses things you may want to include on your financial bucket list.
  85. IRA Contributions: Deductions and Tax Credits

    We outline the incentives and help you take full advantage of the benefits.
  86. How After-Tax Rollovers Affect Your IRA

    Consolidating retirement assets? Make sure you account for pre-tax and after-tax assets separately.
  87. The Business Of Conspiracy Theories

    Some famous conspiracy theorists do make money from their theories, but most are left to spout their claims on unpaid blogs.
  88. How To Convert A Non-Deductible IRA Into A Roth IRA

    Here's a step-by-step guide for transferring one retirement plan into another.
  89. Managing Varied Generations In The Workplace

    With today's workforce made up of many different generations, here are some ways employers can help different generations ...
  90. Maximize Your Social Security Benefits

    The plan's cost of living adjustments can provide protection against inflation.
  91. What If Social Security Disability Runs Out Of Money?

    The social security disability program is nearly bankrupt and could run out of money by 2016.
  92. For IRAs, Time Is Money

    Don't procrastinate. The timing of your contributions can mean thousands more in savings.
  93. Clearing Up Misconceptions About The New 401(k) Laws

    The new 401(k) laws require more disclosure, but that won't fully protect participants from losing money in fees.
  94. 3 Reasons Why Piracy Isn't Crippling the Recording Industry

    Here's a rundown of new revenue streams and financial decisions that are allowing the music industry to stay afloat.
  95. Should Your 401(k) Be In An Annuity?

    Housing your retirement plan inside a variable annuity contract offers some big advantages, but only if you are close to ...
  96. 4 Basic Facts To Know About IRAs

    Money in an IRA can work harder for you. Here's what you need to know first.
  97. 5 Social Security Alternatives

    Social Security is predicted to run out in the next few decades. Read on to see how you can offset the shortfall.
  98. The Impact Of Your Starting Age On Social Security

    Retiring at 62 sounds nice, but it could affect the amount of social security you receive.
  99. Tips For Finding The Right IRA

    There are many IRA options available that vary depending on what you want to do with your retirement savings.
  100. Worst IRA Mistakes You Can Make

    Here are some costly mistakes that you should avoid with your individual retirement account.
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Hot Definitions
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