Retirement Investing & Saving

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  1. How Are Dividends on IRAs Taxed?

    Reinvesting dividends in an IRA is a great way to grow your retirement funds faster, but be sure you understand the potential ...
  2. How to Create a Worry-Free Retirement Income Plan

    A retirement income roadmap has many moving parts and may seem overwhelming at first to put together. Here's how to get started.
  3. Retirement Withdrawal Tricks You Should Know

    From SEPP to NUA, retirement withdrawal rules are full of complicated acronyms. But understanding them will help with your ...
  4. How IRA Rollovers May Be Affected by DOL Fiduciary Rule

    The fiduciary rule will protect investors in some ways, but may end up hurting them in another way.
  5. Do Retirement Accounts Go Through Probate?

    It's tough when retirement accounts have go through probate, tying up those funds after death. Here is how you can prevent ...
  6. Don't Wait Too Long to Tap Into Your Retirement

    Are you approaching your 70th birthday? If so, you'll want to tap into your retirement accounts — before the IRS assesses ...
  7. Choosing the Right IRA Account

    Selecting the right IRA account depends on a number of factors that need to be considered.
  8. How Speeding Can Destroy Your Retirement Dreams

    Trying to play catch up by investing aggressively in a 401(k) is likely to do more harm than good.
  9. Tips for Advisors Who Retire & Sell Their Practice

    Many financial advisors are leading a practice without ideas about how it will continue after they retire. Here are a few ...
  10. My wife and I both converted our Traditional IRAs to Roth IRAs over a decade ago and have invested the maximum allowed each year since. We're buying our first home soon. Do we both qualify for one-time, tax-free, $10,000 distributions?

    You and your spouse each qualify for a penalty-free distribution of up to $10,000 for the purchase, acquisition or construction ...
  11. Who manages the assets in a Roth 401(k) account?

    Learn how to personally manage the assets in your Roth 401(k) plan and determine the best options available to help meet ...
  12. Can I get both military and Social Security benefits?

    Learn how it's possible to receive both Social Security benefits and a military pension in retirement, and how retirement ...
  13. How do Pay As You Go pension plans work?

    Learn how pay-as-you-go pension plans are different than fully funded pension plans and why some government plans are running ...
  14. What are the main differences between Social Security Benefits and Social Security Income (SSI)?

    Read this article to learn about the differences between SSDI and SSI benefits, including qualifications, program funding, ...
  15. Are dividends the best way to make money for retirement?

    Using dividends for retirement income can provide a hedge against a variety of risks, but investors need to be aware of the ...
  16. How Secure Is Social Security?  

    The 2017 Social Security Trustees Report shows the program is nowhere near bankruptcy. Even with no fix, reduced benefits ...
  17. Can I take my 401(k) to buy a house for my children?

    Find out how you can use your 401(k) savings to fund the purchase of a home for your children, including the basics of standard ...
  18. The Best Countries for a Secure Retirement

    When it comes to secure retirement, the U.S. isn't even in the top 10. Here's who is – and why the U.S. doesn't make the ...
  19. Are You Too Old to Benefit from Opening a Roth IRA?

    You may not be too old to open a Roth IRA. Roth IRAs can offer significant retirement income security and tax advantages, ...
  20. The Benefits of Using a Thrift Savings Plan (TSP)

    A thrift savings plan is a retirement savings plan that benefits federal employees.
  21. Best Income Investing Strategies for Retirees

    The past few years have been tough for retirees seeking income from their investments. Here are some of the best strategies ...
  22. Real Estate Rentals for Retirement Income and Building Wealth

    Renting real estate can produce passive income and tax breaks for retirees.
  23. Can I add my higher income spouse's name to my Roth IRA in order to raise our contribution limits?

    IRS rules prevent you from maintaining joint Roth IRA accounts. However, you may accomplish your goal of contributing larger ...
  24. What are the top Social Security scams targeted at the elderly?

    Prevent Social Security scams by learning to recognize the most common types of scams that target senior citizens receiving ...
  25. 401(k) Investing for Military Veterans

    Military personnel have access to a thrift savings plan, which is similar to a 401(k) plan.
  26. Retirement Planning Strategies for Clients in Their 50s

    Here are three ways financial advisors can help 50-somethings plan for retirement.
  27. Retirement Planning Strategies for Clients in Their 60s

    Here are four things clients in their 60s need to consider when it comes to retirement planning.
  28. Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?

    Choosing your retirement plan investments requires the assistance of an expert who is able to analyze your options and to ...
  29. Who bears the investment risk in 401(k) plans?

    Who actually bears the investment risk in a pension plan depends on the type of pension plan that is employed. In a broad ...
  30. Can I have a self-directed IRA or Roth IRA using the forex market?

    In the U.S., one of the best ways for individuals to protect their income from taxes and save for retirement is by using ...
  31. Is there a minimum I have to contribute to my 401(k) plan?

    Deciding how much to put into a 401(k) account can be tricky. There are guidelines to ensure you are investing what you need ...
  32. When is a Roth 401(k) better than a traditional 401(k)?

    Learn the difference between Roth IRA plans, traditional 401(k) plans and Roth 401(k) plans, and when a Roth 401(k) is better ...
  33. It’s Time to Embrace the DOL Fiduciary Rule

    The new fiduciary rule levels the playing field for investors.
  34. Does the five-year rule apply if a non-spouse inherits an IRA after the required beginning date and the required minimum distribution is not satisfied in the year of death?

    The five-year rule applies only when the IRA owner dies before the required beginning date (RBD). If the IRA owner dies after ...
  35. How to Boost Social Security Spousal Benefits

    There are a wide variety of complex spousal Social Strategy strategies. Here are the best ways to get the most out of them. ...
  36. Should You Take a Loan From Your 401(k)?

    There are pros and mostly cons to taking a loan from your 401(k) plan.
  37. Retirement: Saving First Million Is the Hardest

    Once retirement savings reach $1 million, building wealth becomes much easier. Here's why.
  38. Top Reasons Not to Roll Over Your 401(k) to an IRA

    Five cases in which keeping your plan in place – or employing another non-IRA strategy – is the better move.
  39. 7 Financial Lessons to Master by the Time You're 30

    Once you hit your 30s, it is time to get serious about your finances and money skills. Here are the top money lessons you ...
  40. 7 Signs You’re Spending Too Little in Retirement

    Underspending in retirement isn’t necessarily a problem, but it can lead to some avoidable hardships.
  41. When Do Social Security Benefits Start and End?

    Everything you need to know about the three primary Social Security programs, how they work and who qualifies for them.
  42. What Your 401(k) Can Look Like in the Next 20 Years

    Discover how time and compounded growth of earnings can help even a modest 401(k) balance grow to a significant sum over ...
  43. Can I Deduct an IRA if I Have a 401(k) Plan?

    Can you participate in a self-directed IRA if you contributed only a minimal amount to a 401(k)?
  44. 5 Reasons to Convert Your Roth to a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  45. Do 401(k) savings earn interest?

    Learn about the various interest-bearing securities you can use to add stable, recurring income to your employer-sponsored ...
  46. 12 Tips for Retiring with Just $50K Net Worth

    One in three Americans haven’t saved anything for retirement, let alone $50K. Here’s a dozen things that you can do to help ...
  47. What Is Net Unrealized Appreciation and How Does It Work?

    NUA rules allow you to take a distribution of stock from your 401(k), but know how it works first.
  48. Don't Let Fear Marketing Influence Your Investments

    If an annuity seems right for your retirement, don't let fear marketing scare you into selling it.
  49. How Fiduciary Rule Is Restricting Financial Advice

    A case for why the new fiduciary rule will hurt advisors and their clients.
  50. Is it permissible for a 70-year-old person to buy an IRA?

    It depends. For Roth IRAs, there are no age restrictions. For Traditional IRAs, there are no age restrictions if you are ...
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