Retirement Articles

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  1. Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free with Roth IRA distibutions.
  2. Which Fund Share Class is Best for Retirement?

    Mutual funds are a popular financial vehicle. Here's how to choose the best share class for retirement among a fund's many ...
  3. For IRAs, Time Is Money

    Don't procrastinate. The timing of your contributions can mean thousands more in savings. When it comes to IRAs, time is ...
  4. Bear Spray For Your 401(k)

    You can defend your retirement savings from the ravages of a bear market. We'll show you how.
  5. Explaining Types of Fixed Annuities

    Learn about this popular retirement tool, its pros and cons and how annuities work to create a guaranteed regular stream ...
  6. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working; but it will be different throughout ...
  7. Annuities: How To Find The Right One For You

    Fixed, variable and indexed annuities offer different features. Find out which one fits your needs.
  8. 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 ...
  9. The Best Strategies to Maximize Your 401(k)

    Everything you need to know about setting up and managing what is often the chief source of your retirement funds.
  10. 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.
  11. How To Get The Most Out Of A 401(k) Program

    Saving for retirement is important. We tell you about six ways to take advantage of your 401(k) and other retirement plans. ...
  12. Trading Options in Roth IRAs

    A breakdown of the do's and don'ts of trading options in a Roth IRA.
  13. A Closer Look At The Roth 401(k)

    Learn about the benefits and drawbacks of this investment account, a variation on the traditional 401(k) and see if it's ...
  14. Social Security Benefits for Children: How They Work

    There are millions of children in tough situations who receive Social Security benefits each month to help with finances. ...
  15. Can You Use Your IRA to Buy a House?

    If you're a first-time homebuyer (a term that's defined more flexibly than you think), you can tap your IRA to help with ...
  16. The basics of Roth IRA contribution rules

    What you need to know about Roth IRA contributions – from eligibility to dollar limits, to deadlines, to tax breaks.
  17. 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 ...
  18. Break Out Of Annuity Prison

    Annuities offer security but also lock up your cash. The secondary market could be your key to escape.
  19. House Your Retirement With Self-Directed Real Estate IRAs

    Investors are now able to fund their retirement accounts with hitherto forbidden eal property, mortgages and other real-estate ...
  20. How Social Security for Legal Immigrants Works

    If you, an immigrant, earn enough work credits in the U.S. – or combined with credits from certain other countries – you ...
  21. The Dangers of Putting Your 401(k) on Autopilot

    While target-date funds can be attractive for hands-off investors, it's still important to keep an eye on the allocation ...
  22. Health-y Savings Accounts

    Health savings accounts (HSAs) can provide a great way to save for retirement and medical expenses.
  23. Write Covered Calls To Increase Your IRA Income

    Covered calls may require more attention than bonds or mutual funds, but the payoffs can be worth the trouble.
  24. These are John Hancock’s Top Funds for Retirement

    John Hancock's fund lineup is vast, so here's a quick primer on what could be its best funds for your retirement portfolio. ...
  25. 401(k) Plans For The Small Business Owner

    If you own a business, this may be the plan for you! Find out about its benefits and eligibility requirements.
  26. Generating Income In Retirement Using ETFs

    There are many effective strategies that retirement investors can utilize to fill their income gap. Here are some ideas that ...
  27. Update Your Variable Annuity With Section 1035

    Thanks to a special tax code clause, you can surrender a variable annuity without paying income tax.
  28. The Rules on RMDs for IRA Beneficiaries

    Don’t get hit with a 50% penalty because you don’t know the required minimum distribution (RMD) rules for IRA beneficiaries.
  29. 10 Ways to Protect Your Social Security Number

    Identity theft thrives in part because people must give their Social Security number for so many types of interactions. How ...
  30. 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 ...
  31. Filing Early for Social Security: When it Makes Sense

    Filing early for Social Security can make sense. Here's a list of when it's appropriate to ignore the conventional wisdom ...
  32. Enjoy Life Now and Still Save For Later

    Individuals can learn to balance these two often-conflicting aims – lifestyle and retirement goals – by using the following ...
  33. Pick 401(k) Assets Like A Pro

    The pros have already paved the way for you, in presenting investment options. It's your job to come with an asset allocation ...
  34. 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 ...
  35. 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.
  36. How to Become a Retirement Super Saver

    Accelerating your retirement savings may mean trimming other areas of your financial life.
  37. 401(k) Rollover: Pick Roth IRA or Traditional IRA

    Here are the pros and cons of choosing a Roth IRA and a traditional IRA, when rolling over your 401(k).
  38. Should retirees reinvest their dividends?

    Find out why dividend reinvestment may or may not be the right choice for retirees, depending on their financial needs in ...
  39. When a 401(k) hardship withdrawal makes sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty ...
  40. Maxing Out Your 401(k) and What to Do Next

    If contributing the max to your 401(k) is possible, you should consider it. And for the super savers out there, there are ...
  41. A Holistic Approach to Retirement Income

    Total return income planning takes a holistic approach to managing your retirement savings.
  42. Top 5 401(k) Rollover Questions to Ask Your Advisor

    Managing your 401(k) wisely is paramount to a secure retirement. Accordingly, here's a guide to key questions you need to ...
  43. Life Insurance vs. IRA for Retirement Saving

    Sure, you can tap your permanent life insurance policy to help fund your retirement. But in most cases, an IRA is the better ...
  44. 6 Problems with 401(k) Plans

    If you pay attention to the issues here, you will be able to avoid disappointment with your 401(k) – and meet your retirement ...
  45. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions.
  46. How to Retire a Millionaire Without a 401(k)

    Can you retire as a millionaire without a 401(k) plan? It may not be easy, but it isn't impossible if you know where to invest ...
  47. Best Ways to Save for Retirement without an IRA or 401(k)

    Learn the most common types of savings vehicles used to accumulate money for retirement outside employer-sponsored 401(k)s ...
  48. How to Choose 401(k) Investment Options

    Consider these three factors when choosing investment options in your 401(k) plan.
  49. Protect Your Retirement Portfolio From Rising Interest Rates

    Rising interest rates have the potential to impact your retirement portfolio. Here's what helps.
  50. Will Your Retirement Income Be Enough?

    How to figure if you'll have enough for those golden years – and what factors to consider in crunching the numbers.
  51. When You Start Saving for Retirement Matters

    Saving for retirement doesn't have to wait until you have full-time job or have started your career.
  52. Selling a Business to Fund a Long Retirement

    As life expectancy continues to increase, selling a profitable business is one way to fund a long retirement.
  53. Designations No Retirement Planner Should Be Without

    Advance your career and gain clientele by adding a few choice certifications.
  54. Moving Retirement Plan Assets: How To Avoid Mistakes

    Sometimes things go wrong in a simple transfer of funds. Make sure you know how to avoid penalties.
  55. Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  56. Comparing Contribution Limits: Roth 401k vs. Roth Ira

    Which one works better for you? Read on.
  57. Tips for Properly Aggregating IRA Accounts

    When it comes to IRAs, there are times when they can be combined, or aggregated, and times when they can't. Here are some ...
  58. How IRA Contributions Affect Your Taxes

    Learn how to work with the tax man to avoid getting gouged when you convert your plans.
  59. 4 Unusual Ways to Boost Social Security Benefits

    Working the system to get the highest legal Social Security benefits just got harder. Two long-time benefits strategies expired ...
  60. How To Rollover A 401(k) To A New Employer

    You CAN take it with you.. Find out what to do when you switch employers and what becomes of your 401(k) plan. Learn exactly ...
  61. Traditional IRA Deductibility Limits

    Find out whether you can take a tax deduction on the contributions you make.
  62. How to Make Your Own Retirement Fund

    Making sure you have a large enough nest egg to retire on is a challenge. Here's how to accomplish the task, one step at ...
  63. Passing the Buck: The Hidden Costs of Annuities

    Annuities may look like good retirement vehicles, but you should be wary of the fees buried in the fine print.
  64. Early Retirement: Strategies to Make Your Wealth Last

    You want more time to pursue your passions without being tied to a time clock. Great! But you need a plan for making your ...
  65. Can a 70-Year-Old Open an IRA?

    It depends. For Roth IRAs, there are no age restrictions. For Traditional IRAs, there are no age restrictions if you are ...
  66. Variable Annuities: A Good Retirement Investment?

    Variable annuities provide lifetime payments and tax-deferred growth, but – given their hefty fees – are they right for you?
  67. Six Critical Rules for Successful Retirement Investing

    Understand which investment vehicles and strategies build you the most fiscally sound retirement.
  68. Saving vs. Investing: Understanding the Key Differences

    The terms saving and investing are sometimes used interchangeably, but they are very different and extremely important to ...
  69. Can I Have More Than One IRA?

    IRAs are an important part of a retirement savings strategy. Here are some of the rules governing these accounts.
  70. IRA Contribution Limits in 2018

    Find out about the 2018 (and 2017) limits for contributions and income thresholds for individual retirement accounts, including ...
  71. Seven Tips to Manage Your 401(k)

    Now that 401(k)s have put managing retirement money into employees' hands, you can't just contribute and forget about it. ...
  72. The Purpose of Having a Social Security Number

    Find out when and why it's necessary to use your social security number and when you should avoid using it.
  73. Top 10 Mistakes to Avoid on Your Roth IRA

    Don't lose out on the benefits of a Roth IRA by contributing too much, breaking rollover rules or making other avoidable ...
  74. Using Your IRA to Pay Off Credit Card Debt

    Cashing in an IRA to pay for outstanding credit card debt may not be the best solution however if it is the only solution ...
  75. 8 Reasons to Roll Over Your 401(k) to an IRA

    Switching jobs? Moving your retirement savings into an IRA has advantages that may allow you to build a larger nest egg.
  76. 5 Reasons to Convert Your Roth to a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  77. 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.
  78. How a 401(k) Works After Retirement

    Find out how your 401(k) works after you retire, including when you are required to begin taking distributions and the tax ...
  79. You Made It! 6 Ways to Ensure a Long-Lasting Retirement

    A quick review of everything you need to do to prepare for a satisfying and financially secure retirement.
  80. Why Your Roth IRA Should Not Be an Emergency Fund

    Using your Roth IRA as an emergency fund can be a costly mistake because of the loss of tax-free growth and compounding.
  81. Breaking Down the TSP Investment Funds

    For investors seeking growth, income and capital preservation, the Thrift Savings Plan offered by the U.S. government is ...
  82. RMDs and the 70+ Employee

    How to plan your RMDs wisely—and possible ways to delay if you don't need the funds right away.
  83. How Social Security Works for the Self-Employed

    As someone who is self-employed, you still have to pay into Social Security; however, there are deductions that can help ...
  84. Doing Required Minimum Distributions (RMDs) Right

    The process for taking required minimum distributions from an IRA account is complicated, and making a mistake is costly.
  85. Roth IRA or Traditional IRA: It Depends on You

    Deciding which type of IRA to use to save for retirement involves learning the differences between them and determining which ...
  86. Is a Target-Date Fund the Best Choice?

    Target-date funds are increasingly becoming the default choice, but can you do better on your own?
  87. An Introduction To The Roth 401(k)

    The money that you earn today is taxed today, making tax-free retirement withdrawals a reality.
  88. Other Retirement Income Sources

    Social Security alone isn't enough for most Americans to live on, so you may need to get creative and discover other ways ...
  89. IRA Contributions: Deductions and Tax Credits

    We outline the incentives and help you take full advantage of the benefits.
  90. Is there a way to opt out of Social Security?

    Understand more about the purpose of the Social Security system and learn which groups of taxpayers are automatically exempt ...
  91. Tax-Savvy Investment Strategies for Retirement Accounts

    A comfortable retirement depends not just on the amount you're able to accumulate but on your investment returns once you ...
  92. Doing It Yourself: The Self-Directed 401(k) and IRA

    Self-directed retirement accounts offer a broader range of investment choices than regular ones do.
  93. How Much You Should Contribute to Your 401(k)

    The easy answer to how much you should contribute to a 401(k) plan.
  94. OAKLX,OAKIX,OAKWX: Top 3 Oakmark Funds

    Learn about what makes Oakmark Funds desirable for retirement investing. Read about the top three Oakmark funds to research ...
  95. The Magic Age of 59½

    At age 59½ you can withdraw from IRAs or borrow from your 401(k) without paying a penalty. You will owe income tax on all ...
  96. How Does My Part-time Job Affect Social Security?

    Social Security benefits are important for retirees' finances, but a part-time job can complicate matters if certain benchmarks ...
  97. Designating a minor as an IRA beneficiary

    Leaving an IRA to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed ...
  98. Deducting Losses on Your IRA Investments

    Here's when (and how) investment losses in an IRA account can be included as a deduction on your tax return.
  99. Roth 401(k), 403(b): Which Is Right for You?

    Learn how to decide between a traditional and a Roth version of the 401(k), 403(b) or 457(b) retirement plans to help you ...
  100. Using your IRA to buy investment property

    Here you'll learn how to use an IRA account to buy investment property.
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