Retirement

  1. Why were 401(k) plans created?

    Why were 401(k) plans created?

    Discover why consultant Ted Benna created 401(k) plans after noticing the Revenue Act of 1978 could be used to set up simple, ...
  2. What happens to my 401(k) plan if I switch jobs?

    What happens to my 401(k) plan if I switch jobs?

    Roll over your old 401(k) plan to your new 401(k) plan or an IRA, cash it out, or leave it alone. Which option is right for ...
  3. Does my employer's matching contribution count towards the maximum I can contribute ...

    Does my employer's matching contribution count towards the maximum I can contribute ...

    Maximize 401(k) contributions on your own without fear; employer contributions are separate and do not hinder you contributing ...
  4. Do I need an employer to set up a 401(k) plan?

    Do I need an employer to set up a 401(k) plan?

    Investing in your retirement is not just a good idea, it's a must. Even individuals can invest in their own personal 401(k) ...
  5. What's the difference between a 401(k) and a pension plan?

    What's the difference between a 401(k) and a pension plan?

    Discern the differences between 401(k) plans, in which employees assume the market risk, and pension plans, in which the ...
  6. What is the difference between a 401(k) plan and a 457 plan?

    What is the difference between a 401(k) plan and a 457 plan?

    Discover how 401(k) plans are privately offered employee retirement plans, while 457 plans are typically available to public ...
  7. What is the penalty for taking money out of my 401(k) before I'm 59 years old?

    What is the penalty for taking money out of my 401(k) before I'm 59 years old?

    Learn why withdrawing from a 401(k) plan before age 59 carries an extra 10 percent tax penalty. Only a few circumstances ...
  8. What does it mean if my 401(k) plan has been frozen?

    What does it mean if my 401(k) plan has been frozen?

    Learn why 401(k) plans often are "frozen" during a merger and what it means to you. Frozen accounts cannot process new contributions ...
  9. Will I have to pay taxes on my 401(k) plan if I quit my job?

    Will I have to pay taxes on my 401(k) plan if I quit my job?

    Quitting your job does not trigger a taxable event for your 401(k) funds unless you elect to cash out your account and take ...
  10. Retirement: U.S. Vs. Abroad

    Retirement: U.S. Vs. Abroad

    Which option would make more sense for you: retiring abroad or staying at home in the U.S.? A look at the advantages and ...
  11. What is the maximum I can contribute to my 401(k) plan?

    What is the maximum I can contribute to my 401(k) plan?

    Investing for retirement might mean making some sacrifices at first, but the resulting peace of mind is well worth the initial ...
  12. Is the cost of living adjustment (COLA) mandatory?

    Is the cost of living adjustment (COLA) mandatory?

    Learn how increases in the cost-of-living adjustment, or COLA, for Social Security benefits occur each year automatically ...
  13. Retirement Abroad: 5 Unexpected Foreign Cities

    Retirement Abroad: 5 Unexpected Foreign Cities

    If retiring abroad is your dream, here are some less well known destinations where the culture is rich; the scenery, lovely ...
  14. Want an Easy Retirement? Don't Go Here

    Want an Easy Retirement? Don't Go Here

    Looking for a good place to retire? You might want to avoid these cities.
  15. Retirement Strategies For Low Income Seniors

    Retirement Strategies For Low Income Seniors

    Plans and strategies for building a healthy and satisfying life, even if your retirement income isn't as high as you wish ...
  16. The Best Jobs for Retirees

    The Best Jobs for Retirees

    We explore seven great career options for retired people.
  17. The Best Retirement Plans For Millennials

    The Best Retirement Plans For Millennials

    Retirement is decades away, but if you make yourself start saving even a little now, all that time can make your money grow ...
  18. I Was Intimidated By Investing, But Here's How I Got Started

    I Was Intimidated By Investing, But Here's How I Got Started

    The first time I felt intimidated by adult responsibility, I was three months out of college. It was my very first job interview ...
  19. Impact Of Continuing To Work In Retirement

    Impact Of Continuing To Work In Retirement

    What if you just kept working instead of retiring when you reach 65 or 66? Here's how to calculate how it would affect your ...
  20. When Should I Take Social Security?

    When Should I Take Social Security?

    Confused by your Social Security benefits? You’re not alone. Luckily our expert Rob Kron breaks it down.
  21. Typical Retirement Expenses

    Typical Retirement Expenses

    Travel is one thing people start doing more of when they retire. Here are ways to think about how your spending may change ...
  22. The Retired Person's Guide To Managing Expenses

    The Retired Person's Guide To Managing Expenses

    Use these strategies for managing your expenses when retired, and you'll be able to enjoy life with a minimum of unpleasant ...
  23. 5 Signs You're Spending Too Much In Retirement

    5 Signs You're Spending Too Much In Retirement

    You're finally retired – free to have all the adventures you've dreamed of. Just be sure you have a budget and watch for ...
  24. 7 Signs You're Spending Too Little In Retirement

    7 Signs You're Spending Too Little In Retirement

    Everyone worries about spending too much when they're retired. But you can also spend too little – and even risk your health. ...
  25. Benefit From Senior Discounts

    Benefit From Senior Discounts

    Retirees and other seniors can save a surprising amount of money using senior discounts. In fact, some places start the senior-savings ...
  26. Retirement: What Percentage Of Salary To Save?

    Retirement: What Percentage Of Salary To Save?

    There's new research on what percentage of salary you should save to ensure you end up with enough for a comfortable retirement. ...
  27. Can I roll a Traditional IRA into a 529 college account for my grandchild?

    Can I roll a Traditional IRA into a 529 college account for my grandchild?

    A 529 plan, also known as a "qualified tuition program", is an investment vehicle that allows individuals to save for education ...
  28. Does it make sense to convert a Traditional IRA to a Roth when the market’s down?

    Does it make sense to convert a Traditional IRA to a Roth when the market’s down?

    If your modified adjusted gross income (MAGI) is $100,000 or less and you are not married filing separately, you may initiate ...
  29. Can I still set up an SEP if one of my employees refuses to participate?

    Can I still set up an SEP if one of my employees refuses to participate?

    You can establish the SEP IRA, even if the employee refuses to participant. However, you would need to establish an IRA for ...
  30. Independent 401(K): A Top Retirement Vehicle For Sole Proprietors

    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.
  31. After-Tax Balance Rules For Retirement Accounts

    After-Tax Balance Rules For Retirement Accounts

    Accumulating post-tax assets can work to your advantage. Find out how.
  32. Guide To 401(k) And IRA Rollovers

    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 ...
  33. I am starting a limited liability company (LLC). I will be the sole member. Can I ...

    I am starting a limited liability company (LLC). I will be the sole member. Can I ...

    In a word, yes. A limited liability company (LLC) is eligible to establish a simplified employee pension (SEP). Keep in mind ...
  34. I earn more than the income limit for both a Roth and Traditional IRA deduction. ...

    I earn more than the income limit for both a Roth and Traditional IRA deduction. ...

    It is always a good choice to fund the individual retirement account (IRA), even if the owner is not eligible to claim the ...
  35. I want to close my IRA account. What percentage will I lose to tax?

    I want to close my IRA account. What percentage will I lose to tax?

    You can move the amount by means of a trustee-to-trustee transfer to another IRA, or roll over the amount to your 401(k). ...
  36. I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead ...

    I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead ...

    Regular IRA contributions must be made in cash. Contributions of securities are not allowed. Internal Revenue Code Section ...
  37. Should You Convert Your IRA?

    Should You Convert Your IRA?

    Discover the factors you must weigh to make this decision.
  38. New Retirement Plan Limits For 2011

    New Retirement Plan Limits For 2011

    New changes to the law can have a huge impact on your nest egg.
  39. Changes In Tax Legislation And Regulation

    Changes In Tax Legislation And Regulation

    Keeping on top of these amendments can help you avoid penalties and take advantage of benefits.
  40. Why Your Will Should Name Designated Beneficiaries

    Why Your Will Should Name Designated Beneficiaries

    Find out how to make the tough decisions when it comes to choosing who will receive your assets and how they will be paid ...
  41. Are Equity-Indexed Annuities Right For You?

    Are Equity-Indexed Annuities Right For You?

    Equity-indexed annuities can be confusing to understand, but for conservative investors, they can be valuable savings plans. ...
  42. How Much Social Security Will You Get?

    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.
  43. Rolling Over Company Stock: A Decision To Think Twice About

    Rolling Over Company Stock: A Decision To Think Twice About

    It may be more beneficial for you to pay tax now than deferring it to an IRA. We show you how and why.
  44. Borrowing From Your Retirement Plan

    Borrowing From Your Retirement Plan

    Left with no alternative but to take money out from your retirement savings? Here are some guidelines.
  45. 10 Sources Of Nontaxable Income

    10 Sources Of Nontaxable Income

    Taxes are often a deterrent from investing and saving. These financial practices will bring you no tax grief.
  46. Preparing For Retirement Plan RMD Season

    Preparing For Retirement Plan RMD Season

    Paying taxes is inevitable - that's why you need to learn about the rules for required minimum distributions.
  47. Tax Treatment Of Roth IRA Distributions

    Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free.
  48. Don't Forget The Kids: Save For Their Education And Retirement

    Don't Forget The Kids: Save For Their Education And Retirement

    Retirement and education financing are the two most important planning items for taxpayers.
  49. If I participate in my company’s SIMPLE IRA plan, can I also contribute to ...

    If I participate in my company’s SIMPLE IRA plan, can I also contribute to ...

    Because the SIMPLE IRA contribution limits are much lower than the 401(k) limits, it might at first seem unfair that you ...
  50. Is there a limit on how much I can move from my IRA to my Roth IRA?

    Is there a limit on how much I can move from my IRA to my Roth IRA?

    There is no limit on the amount that can be converted from your Traditional IRA to your Roth IRA. As you may already know, ...
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
Trading Center