Retirement Articles

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  1. Avoiding Mistakes in Required Minimum Distributions (RMDs)

    If you don't calculate your required minimum distributions accurately, you might have to pay a hefty penalty.
  2. Top 6 Myths About Social Security Benefits

    Misinformation on retirement benefits is common. We'll set the record straight.
  3. 401(k) Contribution Limits in 2017-18

    Find out what the contribution limits are for 401(k) retirement savings plans in 2017-18, including individual, employer ...
  4. Top 3 Retirement Savings Tips for 55-to-64-Year-Olds

    Find ways to save money and increase your nest egg for the fast-approaching senior years.
  5. Retirement Savings Tips for 35-to-44-Year-Olds

    Learn how the "sandwich generation" can save for retirement while taking care of their kids and parents.
  6. 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 ...
  7. A 401(k) or IRA Is Only Part of a Retirement Plan

    Your 401(k) or IRA should only be a small part of your retirement plan.
  8. Calculating the Present and Future Value of Annuities

    Here's everything you need to account for when calculating the present and future value of annuities.
  9. 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 ...
  10. IRA Contributions: Eligibility and Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  11. 4 Medicare Open Enrollment Mistakes to Avoid

    Avoid these 4 mistakes during the Medicare Open Enrollment period (Oct. 15 to Dec. 7).
  12. How to Save for Retirement in the Gig Economy

    Even if you decide to freelance or be self-employed, there are still ways to save for retirement.
  13. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  14. The Benefits of Starting an IRA for Your Child

    Many financial experts and educators believe that the earlier children begin learning about money, the better their chances ...
  15. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions.
  16. 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.
  17. Six Ways to Move Retirement Account Money - Part II

    In this second part of the series, three other options for moving retirement money are discussed.
  18. The Widening Retirement Savings Gap

    Due to a variety of factors, by 2050 there will be a $400 trillion retirement savings gap.
  19. 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 ...
  20. Protect Retirement Money from Market Volatility

    The economy has its ups and downs. Investors who take a disciplined approach and diversify their portfolios are better prepared ...
  21. Direct vs. Indirect IRA Rollovers: Which Is Best?

    Direct and indirect retirement account rollovers each have their pros and cons.
  22. 3 Ways to Get Better Retirement Returns in the Next 20 Years

    With investment returns projected to decline over the next 20 years, savers may need to tweak their plans to ensure better ...
  23. How to Set up a Trust Fund If You're Not Rich

    You don't need to be wealthy to create your own trust fund. Here's why and how to go about it.
  24. Retirement Funds: What Not to Do with Extra Cash

    Before you cash out or raid one of your retirement funds, consider the following things you should not do with that money.
  25. Securing Your Future

    Your guide to financial planning for retirement.
  26. Best Retirement Plan Options for the Self-Employed

    Self-employed business owners can choose from any of these retirement plan options.
  27. The Potential Benefits of a Roth IRA

    No one knows when taxes will increase. With a Roth IRA, future distributions are tax-free.
  28. I Maxed Out My 401(k)! Now What?

    Fear not: There are smart ways to ensure that your retirement nest egg keeps growing.
  29. Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  30. 5 Critical Steps to Take Before You Retire

    Exiting the workforce soon? You need to make sure your financial house is in order. These actions will help you on your way. ...
  31. 5 Myths That Could Hurt Your Retirement

    If you're making financial and lifestyle choices based on these retirement myths, you could be missing out on benefits that ...
  32. 3 Reasons Your 401(k) Is Not Enough for Retirement

    Learn the basic structure of a 401(k), and a number of reasons why it may not be substantial enough to secure an individual's ...
  33. Should Your Required Minimum Distribution Be in Cash?

    What is the most tax-efficient way to take required minimum distributions from your retirement plan? Several financial advisors ...
  34. Health Savings Account: Your Extra Retirement Funds

    Funding a health savings account for retirement can save thousands of dollars in taxes.
  35. 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.
  36. 5 Reasons to Retire in Canada

    From proximity to the U.S. to affordable healthcare, there are at least 5 great reasons to consider moving to Canada for ...
  37. 9 Signs You're Saving Right For Retirement

    Do these characteristics sound like you? If so, you're on the right path to retirement!
  38. How a Roth IRA Works After Retirement

    What retirees need to know about taxes, distributions and passing on your unspent savings to the next generation.
  39. 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 ...
  40. 4 Reasons You May Not Want to Delay Social Security Payments

    The longer you wait to collect Social Security, the more you get. But for people who are in failing health or need income, ...
  41. Converting Traditional IRA Savings to a Roth IRA

    When is it a good idea to convert traditional IRA funds into Roth IRA funds? And when does it not make sense?
  42. How Much Millennials Should Save to Retire Comfortably

    Millennials may not be worrying about retirement just yet, but they should be thinking about how much they'll need to save ...
  43. My Employer Doesn't Offer a 401(k). Should I Care?

    Find out what do if your employer doesn't offer a 401(k) retirement savings plan, including alternative investment options ...
  44. 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 ...
  45. How to Plan a $1 Million Retirement on a Minimum-Wage Salary

    A $1 million retirement is a nice round number to shoot for. With the right planning it’s potentially doable, even on a minimum-wage ...
  46. 10 Little Known Ways to Reduce Your 401(k) Taxes

    These clever strategies will help you hold onto your money – so you'll have more available for your retirement.
  47. 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 ...
  48. Revamp Your Retirement Plan After Paying Off Student Loans

    Retiring your student debt frees up funds for your retirement plan. Here's how to figure out what to do next.
  49. Is the Middle Class Giving Up on Retirement?

    Americans aren't completely giving up on retirement, but many haven’t put away enough to take off at the traditional age ...
  50. PQIDX,PONDX,PBDDX: Pimco's Top Funds for Retirement Income

    If you're living off retirment income, you want to make sure the money you've saved is invested in the right assets. Here ...
  51. Work & Collect Social Security in Retirement?

    What to consider if working in retirement while collecting Social Security.
  52. 6 Problems with 401(k) Plans

    If you pay attention to the problems here, you will be able to avoid the negative effects and meet your retirement goals. ...
  53. 6 Important Retirement Plan RMD Rules

    Paying taxes is inevitable - that's why you need to learn about the rules for required minimum distributions.
  54. Savings or Roth IRA: Which Is Better for You?

    Which is right for your savings needs: a savings account or Roth IRA? It depends.
  55. A Roth IRA Savings Strategy for High Earners

    A backdoor Roth IRA strategy can save high earners tax dollars if implemented correctly.
  56. Roth IRAs: The Best Thing Since Sliced Bread?

    Opening a Roth IRA can be a good idea for these nine reasons.
  57. Retirement Saving Tips for 65-Year-Olds and Over

    Find out how to save smarter after 65.
  58. How Does My Part-time Job Affect Social Security?

    Social Security benefits mean a lot to retirees' finances. Having a job, even part-time, can complicate matters if certain ...
  59. Maxing Out Your 401(k) Is Profitable: Here's Why

    It's shocking, but most American workers (73%) have no 401(k) retirement funds. Start saving now to anchor your retirement.
  60. Which Is Best: A Roth IRA or Roth 401(k)?

    When choosing between a Roth IRA or Roth 401(k) asking these questions can help you decide.
  61. Why Future Retirees Will Need Over $1 Million to Retire

    While Baby Boomers might need only $1 million to retire, Millennials might need as much as $2 million. Here's why.
  62. Social Security for the Self-Employed: How It Works

    As both employee and employer, you have to pay more in Social Security, but there are deductions that can help lighten the ...
  63. Trump Administration Ends myRa Retirement Plan

    The decision by the Trump administration to do away with myRA retirement accounts means you will need to move your funds ...
  64. Divorce and Retirement Accounts: What You Need to Know

    These are the answers to five common questions on how to handle retirement accounts when couples divorce.
  65. How to Become a Retirement Super Saver

    Accelerating your retirement savings may mean trimming other areas of your financial life.
  66. Your 401(k): What's the Ideal Contribution?

    If done properly, planning for retirement can affect the quality of life at retirement age — for the better. Here's what ...
  67. Roth Feature Boosts Benefits for 401(k) and 403(b) Plans

    Roth accounts tend to beat traditional plans over the long term by providing tax savings at retirement.
  68. 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 ...
  69. Is the New myRA Plan Right for You?

    The new myRA accounts seem to deliver on their promise of being “simple, safe and affordable.” Just be prepared for paltry ...
  70. 5 Secrets You Didn't Know About Roth IRAs

    Between its generous tax benefits at retirement and no required minimum distributions, a Roth IRA is well worth considering ...
  71. 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 ...
  72. 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.
  73. 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 ...
  74. 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 ...
  75. The Benefits of Using a Thrift Savings Plan (TSP)

    A thrift savings plan is a retirement savings plan that benefits federal employees.
  76. 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, ...
  77. 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.
  78. 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 ...
  79. 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.
  80. 5 Reasons to Convert Your Roth to a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  81. 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.
  82. How Fiduciary Rule Is Restricting Financial Advice

    A case for why the new fiduciary rule will hurt advisors and their clients.
  83. How Are 401(k) Withdrawals Taxed for Nonresidents?

    As a U.S. nonresident, deciding what to do with your 401(k) after you return home comes down to which tax penalties, if any, ...
  84. Uncertain Future for Government-Run Retirement Savings Plans

    As President Trump signed into law the repeal of rule allowing states and cities to run retirement plans for private sector ...
  85. Retire Wealthy: The Millennial March to $1,000,000

    It is possible for Millennials to retire with $1,000,000, if they take the right steps and make the necessary sacrifices ...
  86. Should You Roll Over Your 401(k)?

    Before moving your retirement funds into another account, consider your options.
  87. How do you calculate penalties on a 401(k) early withdrawal?

    How to calculate the penalties on early withdrawals from your 401(k), including the 10% tax penalty, vesting and income tax.
  88. How Compounding Benefits Your Retirement Savings

    Allowing growth on your investments to compound over time gives you immense returns when saving for retirement.
  89. Know the Rules for Roth 401(k) Rollovers

    Rolling a Roth 401(k) into a Roth IRA is usually the optimal thing to do.
  90. Can Your 401(k) Impact Your Social Security Benefits?

    Find out why income from a 401(k) does not affect the amount of your Social Security benefits, but how it can impact your ...
  91. What to Do With Your 403(b) Funds if You Change Jobs

    If you have a 403(b) plan and change jobs, there are a few options for handling the funds in it.
  92. 4 Mistakes to Avoid If You Want Retirement Income

    If you don't want to retire poor, be sure to avoid these four mistakes.
  93. Top 9 Benefits of a 403(b) Plan

    Find out how the 403(b) plan helps employees of nonprofit entities meet their retirement goals.
  94. How to Really Take Charge of Your Retirement Plan

    Business owners and those who are self-employed may find that their 401(k) plans aren't enough.
  95. 8 Reasons to Never Borrow from Your 401(k)

    Find out why dipping into your 401(k) can have serious consequences.
  96. Retirement: What Percentage of Salary to Save?

    Researchers have looked at the percentage of salary you should save to ensure you end up with enough for a comfortable retirement. ...
  97. How People Fall Into a Debt Spiral

    If you're struggling to pay off your debt, you'll need to develop discipline and patience in order to dig yourself out.
  98. When Do I Stop Paying Social Security Tax?

    Almost never, unless you belong to one of these special groups.
  99. Using Your 401(k) to Pay Off a Mortgage: the Pros and Cons

    Learn the advantages and drawbacks of using assets accumulated within a 401(k) retirement savings plan to pay off your mortgage ...
  100. Protect Your Retirement Portfolio From Rising Interest Rates

    Rising interest rates have the potential to impact your retirement portfolio. Here's what helps.
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Hot Definitions
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