Retirement

  1. Who is eligible to obtain a 403(b) plan?

    Who is eligible to obtain a 403(b) plan?

    Learn which employers offer 403(b) plans and see how they are custom-designed for nonprofits but similar to 401(k) plans ...
  2. Do the limits of a Roth IRA change every year?

    Do the limits of a Roth IRA change every year?

    Investment limits for a Roth IRA do not change annually, but have increased since the investment accounts were introduced ...
  3. Where can I open an IRA?

    Where can I open an IRA?

    Open an IRA through brokerage firms, mutual funds, banks and other major financial institutions, or through large Internet ...
  4. How do I invest my IRA in real estate?

    How do I invest my IRA in real estate?

    Investing real estate in an IRA is one way to fund an investment account. For investors who choose this route, certain rules ...
  5. What are the differences between Canada Pension Plans (CPP) and Social Security Benefits?

    What are the differences between Canada Pension Plans (CPP) and Social Security Benefits?

    Learn about the differences between the U.S. Social Security system and the Canada Pension Plan, and discover why one is ...
  6. Are contributions to Registered Pension Plans (RPPs) tax deductible?

    Are contributions to Registered Pension Plans (RPPs) tax deductible?

    Contributing to a Registered Retirement Plan offers eligible employees a way to make tax-deductible contributions to a retirement ...
  7. How are Social Security benefits affected by your income?

    How are Social Security benefits affected by your income?

    Understand the relationship between a worker's earned income and benefits he or she receives from Social Security in retirement, ...
  8. How do I choose a Roth IRA provider?

    How do I choose a Roth IRA provider?

    Learn about some of the most important factors to consider before choosing a Roth IRA provider for investing your retirement ...
  9. How is an SBO-401(k) set up?

    How is an SBO-401(k) set up?

    Learn what a Small Business Owner 401(k) plan is and who is eligible to establish one. Find out what the IRS requires of ...
  10. What are the advantages of a Roth IRA?

    What are the advantages of a Roth IRA?

    Contribute to your Roth IRA and gain the advantage of it free of taxes and penalties. Make approved early withdrawals to ...
  11. Do IRA contributions reduce average gross income (AGI)?

    Do IRA contributions reduce average gross income (AGI)?

    Reduce your IRA AGI by contributing to a traditional IRA whose contribution limits for 2014 are set at $5,500 for taxpayers ...
  12. What are the main advantages of a self-directed IRA?

    What are the main advantages of a self-directed IRA?

    Learn about the way self-directed IRAs are handled by investors and the variety of options investors have to fund their retirement ...
  13. How can you get your Canada Pension Plan (CPP) payments early?

    How can you get your Canada Pension Plan (CPP) payments early?

    Learn about how Canadian taxpayers can receive benefits from their Canada Pension Plan before reaching normal retirement ...
  14. What are the steps to applying for a Canada Pension Plan (CPP)?

    What are the steps to applying for a Canada Pension Plan (CPP)?

    Learn how to apply for Canada Pension Plan, part of Canada's retirement income system. Also find out about available benefits ...
  15. Is a Thrift Savings Plan (TSP) a qualified retirement plan?

    Is a Thrift Savings Plan (TSP) a qualified retirement plan?

    Take advantage of the government's retirement plan for employees with the Thrift Savings Plan. As with a 401(k), contributions ...
  16. Are annuities qualified or nonqualified retirement instruments?

    Are annuities qualified or nonqualified retirement instruments?

    Learn the basics of annuity investments and the tax-deferral they offer, and discover the differences between qualified and ...
  17. Are qualified retirement plans protected from creditors?

    Are qualified retirement plans protected from creditors?

    Learn how to protect your retirement assets from creditors. Certain provisions provide for exemption of retirement assets ...
  18. What is the tax rate of a Roth IRA if I withdraw it for the purchase of a house?

    What is the tax rate of a Roth IRA if I withdraw it for the purchase of a house?

    Use your Roth IRA to fund the purchase of your first home, and learn how the distribution could qualify for a waiver of taxes ...
  19. What is the difference between a DB(k) plan and a defined benefit plan?

    What is the difference between a DB(k) plan and a defined benefit plan?

    Learn the differences between a traditional defined-benefit plan and the emerging DB(k) plan to see how employer-sponsored ...
  20. What are the disadvantages of a Roth IRA?

    What are the disadvantages of a Roth IRA?

    Get informed about Roth IRAs, which have a few disadvantages, including limited access to funds and contribution limits based ...
  21. Can I invest my IRA in an entity, business or LLC?

    Can I invest my IRA in an entity, business or LLC?

    Explore different types of businesses, entities, corporations and limited liability companies, and the types IRA-eligible ...
  22. How do I roll over a spousal IRA?

    How do I roll over a spousal IRA?

    To roll over a spousal IRA, the surviving spouse can transfer the remaining funds from the deceased spouse's investing IRA ...
  23. What should you consider before taking a loan on your Registered Retirement Savings ...

    Learn about the primary factors you should consider before deciding to take out a loan from your Registered Retirement Savings ...
  24. What are the Registered Retirement Savings Plan (RRSP) contribution limits?

    Review annual contribution limits for Registered Retirement Savings Plans and figure out how much you can invest for your ...
  25. Who is eligible for a qualified retirement plan?

    Meeting eligibility requirements for a qualified retirement plan vary but generally dictate a minimum age and a the amount ...
  26. What are the advantages of commodities on a Roth IRA?

    Discover what kind of commodity-based investments are allowed inside of a Roth IRA and what advantages commodities can bring ...
  27. Can I buy emerging market bonds on my Roth IRA?

    Learn how to diversify your Roth IRA by adding emerging markets debt to your portfolio. Reduce costs and risks by investing ...
  28. How is a Roth 401(k) taxed?

    Learn about the tax advantages of using a Roth 401(k), with tax-free earnings and no required minimum distributions, if this ...
  29. What is the Roth IRA 5 year rule?

    Learn more about the Roth IRA five-year rule and the requirements that allow for tax-free withdrawals before five years have ...
  30. What are the differences between a self-directed IRA and a traditional IRA?

    Explore the investment options available to and restrictions on account holders who choose a self-directed IRA as their retirement ...
  31. What are the rules when applying a stretch IRA strategy?

    Learn how to apply a stretch strategy to IRA and Roth IRA plans, and how tax-advantaged compounding may provide income for ...
  32. How does a Registered Retirement Savings Plan (RRSP) loan work?

    Discover some of the most common and useful ways to take out a loan from your Registered Retirement Savings Plan without ...
  33. What are the penalties for early withdrawal from a Registered Retirement Savings ...

    Learn about the three major penalties associated with making an early withdraw from your Registered Retirement Savings Plan ...
  34. Is an ESOP a qualified retirement plan?

    Acting as a qualified stock bonus plan as well as a form of a retirement plan, an ESOP has been a qualified retirement plan ...
  35. Who is eligible to obtain a Simplified Employee Pension (SEP) IRA?

    Who is eligible to obtain a Simplified Employee Pension (SEP) IRA?

    Learn if an individual may contribute to a Simplified Employee Pension IRA when his or her employer offers a plan and how ...
  36. How can I use my Roth IRA savings to buy my first home?

    Use your Roth IRA to help fund the purchase of your first home, and find out about ways to access these funds even if you ...
  37. Are Roth IRAs tax deductible?

    Calculate your potential tax savings when you contribute to a Roth IRA. Tax credits are available to individuals who meet ...
  38. Is a 401(k) a qualified retirement plan?

    Examine the different types of qualified retirement plans, and discover if a 401(k) meets the definition of a qualified retirement ...
  39. How can you borrow from a Roth IRA?

    Learn how to borrow money from your Roth IRA by rolling it over into another IRA account or taking an early withdraw to get ...
  40. What are the main disadvantages of a self-directed IRA?

    What are the main disadvantages of a self-directed IRA?

    Find out more about self-directed IRA investments and the role of controlling drawdown in the management of a profitable ...
  41. How does a Registered Retirement Income Fund (RRIF) work?

    Learn about Registered Retirement Income Funds, which are the most popular retirement income options available to Canadian ...
  42. When can you withdraw your savings from a Registered Retirement Savings Plan (RRSP)?

    Learn the standard age for withdrawing savings from a Registered Retirement Savings Plan (RSSP) and what you can expect if ...
  43. How does taxation on life insurance for a qualified retirement plan work?

    Purchase life insurance in your qualified retirement plan using pre-tax dollars. Be aware of other ways that life insurance ...
  44. What are the Roth 401(k) contribution limits?

    Understand the current contribution limits for designated Roth 401(k) accounts, including additional allowable payments for ...
  45. What are the risks associated with a Roth IRA?

    Like every retirement option, Roth IRAs have several associated risks. Consider all the major disadvantages before choosing ...
  46. Can I use my self-directed IRA to take out a loan?

    Learn the little-known circumstances that allow a self-directed IRA to be used to take out a loan. Some restrictions also ...
  47. How is a Registered Retirement Income Fund (RRIF) taxed?

    Discover how the Government of Canada treats Registered Retirement Income Funds and how you can use them to limit income ...
  48. What are the main differences between a Registered Retirement Savings Plan (RRSP) ...

    Explore the key differences between a Canadian registered retirement savings plan and a registered retirement income fund ...
  49. Can I own Master Limited Partnerships (MLP) on my Roth IRA?

    Learn how to invest in master limited partnerships, or MLPs, in your Roth IRA for access to high yields, but be careful to ...
  50. Can savings from a Roth 401(k) be used for college without penalty?

    Understand how a Roth 401k retirement savings account can be used to pay for tuition, what criteria must be met, and the ...
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