Retirement

Learn about the features and benefits of the plan that is a cross between a SIMPLE IRA and a traditional 401(k) plan.

The bear market of 2008 was a game-changer for many investors. Find out what lessons you can take away from it.

With many people ill prepared for retirement, seniors are moving in with their kids.

Before jumping into a tailor-made asset allocation plan, do the research - it will add years to your financial health.

Find out how to work the system to get the highest total benefits the law allows.

Long-term care insurance (LTCI) covers the risk that individuals may need medical and custodial care, either at home or in a skilled nursing facility, at some point in their life. Most workers wait to purchase an individual policy as they approach retirement or their group employer benefits are about ...

In hard times, companies may stop matching your 401(k) contribution, but there are ways to offset the hit.

Top executives can benefit from this kind of contract, but is it at the expense of the shareholders?

If you prefer a "hands-off" approach to saving for retirement, target-date funds may be for you.

A. IRA B. State employee pension planC. Corporate defined-benefit planD. Coverdell savings account Answer: CThe correct answer is "c." ERISA covers most employer retirement plans, but public employee plans are exempt from coverage. "A" is not correct because the IRA is an individual plan, not an employer ...

Get the most out of your mutual fund by using this simple but powerful strategy.

Make sure your golden years are golden, not merely a struggle for existence.

Rolling a Roth 401(k) into a Roth IRA is usually the optimal thing to do.

Securing funding for your education isn't always the easiest thing to do, but there are some ways to get assistance.

The "three-legged stool" was a retirement terminology from the past that many financial planners used to describe the three most common sources of retirement income for a retiree during retireme - Social Security, employee pensions, and personal savings.Times have changed though and so has the three-legged ...

If your retirement plan hasn't worked out, at least your children can learn from your mistakes.

Half of Americans lose their nest eggs when they switch careers. Learn why you should avoid this trap.

If your business administers a retirement plan, you should recognize what's at stake.

At one time the second largest long distance phone company in the U.S., WorldCom was forced to file for bankruptcy on July 21 after being exposed for accounting fraud.

Variable annuity subaccounts are virtual clones of mutual funds but they have their own CUSIP number and their historical performances are tracked separately.

Just because you receive your gold watch during a recession, doesn't mean you can't retire on time.

Covered calls may require more attention than bonds or mutual funds, but the payoffs can be worth the trouble.

Pension maximization refers to a strategy for choosing a payout option at the time of your retirement. Employees near retirement age may be faced with a rather difficult decision when presented with the retirement plan payout options. Most pension plans will offer the participant at least two common ...

Learn what to watch for before you find yourself drowning in debt or filing for bankruptcy.

Saving for your golden years is an important goal, especially since so many Americans don't save a penny.

The answer to this depends on an individual's investment goals, requirements and risk tolerance. During the 1990s, the majority of seasoned financial planners would tell you that it's not a wise move to put an IRA account inside of an annuity. This was because IRA accounts already receive tax-deferred ...

I. It is mitigated by writing calls.II. It includes the risk the investor will lose invested principal.III. It is the same as systemic risk.IV. It is mitigated by buying defensive stocks.A. I onlyB. II onlyC. II and IIID. III and IV Correct answer: BStatement II describes capital risk not market ...

Long-term care refers to a collection of services that are intended to meet the medical and non-medical needs of disabled or chronically ill patients. These services include social, medical/nursing, and community services. They often require assisting the patient or patients in performing day-to-day ...

Activities of daily living (ADL) refer to daily activities that individuals normally do, unassisted, to take care of themselves. These activities include: bathing, eating, cooking, walking, dressing, house chores, personal hygiene and walking. Usually, healthcare professionals (nurses, nurse's aides, ...

Altering retirement plans is tough, but when the retiree is unprepared, it's very necessary.

Many retirement plans include the offer to purchase company stock. Doing so has its advantages, but there are drawbacks too.

This indicator is not as important as some investors might think.

This is a classic investor dilemma. When the markets are roaring, with 15-20% returns, it is tough to imagine putting your money elsewhere. In fact, when the markets churn out 15-20% returns, people actually tend to borrow money to invest in stocks.Of course, when the markets are down by the same amount, ...

The most successful people have more in common than just money. Find out what you can learn.

If you have lost money, you're not alone, but at least you can put some blame on the market.

Starting a new job is stressful but you don't need to sweat about setting up a benefits package.

Companies provide distress signals long before they go under. Find out how to read them.

Find out how to determine whether this option will help or hurt your financial situation.

Many financial advisors would feel that an 8% rate of return is too high, and are more likely to work with 4-5% estimated return, depending on the dollar amount that is assumed will be invested.The 8% (or more) rate of return became the norm for financial advisors when doing projections during the 199 ...

Contributing to your retirement plan may no longer be voluntary, but automatic enrollment has a number of benefits.

Left with no alternative but to take money out from your retirement savings? Here are some guidelines.

Find out how this tough economic period can be a learning experience for all.

Leaving liquid assets like cash or securities to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed and taxed.

From lawn care to summer fairs, expenses can skyrocket if you're not paying attention.

The months leading up to your retirement can be the most crucial in terms of planning. Review your insurance, make a budget and plan your estate so the transition to retirement is as easy as possible.

Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.

Firing employees isn't easy, but it is simple: be honest, be compassionate and be quick