Retirement Articles

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  1. 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 ...
  2. 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 ...
  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. 401(k) Loan vs. IRA Withdrawal

    The IRS offers several ways to skirt the 10% penalty on early retirement distributions. Here's what you need to know.
  5. 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 ...
  6. 5 Secrets You Didn't Know About Traditional IRAs

    A traditional IRA gives you a current-year tax benefit and future years of tax savings – minus the income restrictions that ...
  7. Can You Deduct Your IRA Contributions?

    Your eligibility to claim a deduction depends on whether you are an active participant of an employer-sponsored plan. Learn ...
  8. Pitfalls of Medicare Advantage Plans

    A Medicare Advantage plan may help you lower health costs not covered by Medicare but there are definite tradeoffs, compared ...
  9. 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 ...
  10. Deferred Compensation Plans Vs. 401(k)s

    Financial advisors usually advise making use of a deferred compensation plan only after having made the maximum possible ...
  11. The Top 5 Eaton Vance Funds for Retirement Diversification in 2016 (EV)

    Learn to increase the safety, returns and diversification of your retirement savings by investing in mutual funds from Eaton ...
  12. 5 Questions to Ask Before Opening a New Retirement Account

    Asking these questions can help save you money, avoid potential tax pitfalls, and ensure the underlying investments you choose ...
  13. Is Berkshire Hathaway Stock Suitable for Your IRA or Roth IRA? (BRK.B, BRK.A)

    Discover how Warren Buffett's Berkshire Hathaway is structured and if the company is appropriate for individual retirement ...
  14. 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, ...
  15. 10 Providers With 401(k) Plans for Small Employers

    If you're a small business that has steered clear of a 401(k) plan for your employees, find out how these providers can make ...
  16. Save $1 Million for Retirement on Minimum-Wage

    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 ...
  17. The Top 5 Mainstay Funds for Retirement

    How to use award-winning MainStay mutual funds from New York Life to build a high-quality and diversified retirement savings ...
  18. The Most Popular Jobs for People 65 and Older

    If you are putting off retirement – out of necessity or the desire to stay active – these employment options will provide ...
  19. Why Saving 10% Won't Get You Through Retirement

    Retirement experts often tout the 10% rule: To have a good retirement, you must save 10% of your income. The truth is, most ...
  20. Why Retirees Can't Count on Muni Bonds

    By using tax preparation software or the services of a CPA, seniors can enjoy the advantages of municipal investments and ...
  21. Five Banks That Will Pay You to Roll Over a 401(k)

    Discover five financial institutions will pay you a cash bonus or match when you roll over assets from an old 401(k) or qualified ...
  22. Will Baby Boomers Bankrupt Social Security?

    Will the massive Baby Boomer generation, now retiring in droves, bankrupt the Social Security System?
  23. Independent 401(K): A Top Retirement Vehicle For Sole Proprietors

    An independent 401K has several advantages over the SEP IRA. Find out why it's often a better alternative.
  24. 5 Mistakes to Avoid When Shopping for Annuities

    Annuities give retirees guaranteed income but they aren't all created equal.
  25. Money Market vs. Short-Term Bonds

    Short-term bonds typically yield higher interest rates than money market funds, so the potential to earn more income over ...
  26. 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 ...
  27. 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 ...
  28. 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 ...
  29. Charles Schwab vs. Employee Fiduciary: Comparing Small Business 401(k) Providers

    The key differences between Charles Schwab and Employee Fiduciary 401(k) plans in terms of company structure, fund offerings ...
  30. 4 Basic Facts to Know About IRAs

    Money in an IRA, or individual retirement account, can work harder for you than money in a savings account. Here are some ...
  31. 5 Reasons to Convert Your Roth to a Traditional IRA

    Even if the Roth IRA was initially the wisest choice, evolving circumstances may dictate that you should consider recharacterizing ...
  32. 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 now.
  33. This Is How Much You Can Contribute to Your IRA

    IRAs have certain tax advantages that allow your nest egg to grow at a faster rate. But there are annual limits on how much ...
  34. Your 401(k) Is More Important Than You Think

    If you are thinking of dipping into your 401(k), think again. It’s one of your best sources of retirement income.
  35. Charles Schwab’s Top Funds for Retirement Savings

    A list of Charles Schwab’s funds for retirement, intended to make planning, diversification and saving for later in life ...
  36. Top 5 Prudential Funds for Retirement Diversification in 2018 (PRU)

    Discover five mutual funds from Prudential Financial for diversifying a retirement savings portfolio that have a history ...
  37. What Percentage of Salary to Save for Retirement

    Researchers have looked at the percentage of salary you should save to ensure you end up with enough for a comfortable retirement.
  38. Rolling Over Your 401(k) to an IRA

    Moving your retirement savings into an IRA has advantages that may allow you to build a larger nest egg.
  39. Substantially Equal Periodic Payment (SEPP): Learn The Rules

    Taxpayers often make costly mistakes with SEPP programs because there is little guidance on what can be done in certain situations. ...
  40. How Much Are Taxes on an IRA Withdrawal?

    How much taxes you'll pay on IRA withdrawals depends on a variety of factors. Use this guide to plan ahead.
  41. 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.
  42. IRA Contributions: Deductions and Tax Credits

    Learn more about incentives and how you can take full advantage of the benefits.
  43. When Your Employer Cuts Your 401(k) Match

    In hard times, companies may stop matching your 401(k) contribution, but there are ways to offset the hit.
  44. Steps To Replace Or Update Your Social Security ID

    Investopedia's step-by-step guide to filling out the form that gets you a new or replacement Social Security card.
  45. Changing Jobs? Reinvest Your Retirement Funds

    Many Americans find themselves dipping into their retirement funds when they change jobs. Rollover, don't spend, these crucial ...
  46. Want To Leave Money To Your Family? Stretch Your IRA

    IRA stretch provision allows you to use your IRA funds to provide for your designated beneficiaries.
  47. How To Set Up A Trust Fund In Australia

    It is not simple to set up a trust fund in Australia, but it is not impossible either. Follow these steps to succeed in the ...
  48. IRA Contributions: Eligibility and Deadlines

    Use this checklist for contribution requirements to make your payments on time.
  49. The Benefits of Investing in a 401(k) Plan Now

    Learn how investing in a 401(k) plan sooner rather than later allows you take advantage of compounding, tax benefits and ...
  50. Top 5 Strategies to Pay for Eldercare

    The cost of a nursing home, assisted living facility or home care can be ruinous. Try these routes to help seniors qualify ...
  51. Top 6 Myths About Social Security Benefits

    Misinformation on retirement benefits is common, and here are six tips to properly inform on the facts on Social Security ...
  52. What Is a Good 401(k) Match?

    The most common employer match is 50 cents on the dollar of up to 6% of your salary. In most cases, you should contribute ...
  53. How Is Your 401(k) Taxed When You Retire?

    The taxes you owe on your 401(k) at retirement depend on whether your funds are in a regular 401(k) or the Roth type.
  54. 3 Vanguard Target-Date Retirement Funds

    Vanguard offers mutual funds for target retirement dates for every five years from 2020 to 2065. They're ideal for investments ...
  55. Making Spousal IRA Contributions

    The unemployed can't contribute to retirement accounts because they do not have income; however, some people with employed ...
  56. How Reinvesting Dividends Pays in the Long Run

    Dividend reinvestment is one of the easiest ways to grow wealth and can increase your investment income over time.
  57. The Hidden Fees in 401(k)s

    Fees, regardless of how conspicuously they're disclosed, are an important criterion for your 401(k) investments.
  58. 4 Rollover Options for Your 401(k)

    Here are four different rollover options to consider when deciding what to do with an old 401(k).
  59. Immediate Annuities: More Income and Lower Taxes

    Immediate annuities may shed their bad rap to bring you a hefty tax break.
  60. Retirement Annuities: Know the Pros and Cons

    Retirement annuities can be a secure way to make sure you don’t outlive your assets. But be careful of the drawbacks, such ...
  61. Deciphering Deferred Annuity Designations

    Tax-deferred annuities can be complex. Discover situations that arise when an owner or annuitant dies and how to reduce the ...
  62. Does Vanguard have a 401(K) Plan Suitable for a Small Business?

    Learn about the Vanguard Group's new 401(k) product for small businesses and how they've tailored their plan to appeal to ...
  63. Comparing IUL Insurance to IRAs and 401(k)s

    Indexed universal life insurance is on the rise, however, critics argue that wisely allocated IRA and 401(k) funds will normally ...
  64. Target-Date Funds Vs. S&P 500 Indexing

    Target-date funds may seem like an obvious choice for most workers; however, they come with certain drawbacks compared to ...
  65. The Smartest Ways to Roll Over Your 401(k)

    Because 401ks come in many shapes and sizes, it's important to seek financial advice to evaluate major decisions—especially ...
  66. 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.
  67. How To Correct Ineligible (Excess) IRA Contributions

    Eager to save for retirement? Learn how to avoid overpayment penalties.
  68. The Rise of 401(k) Brokerage Accounts

    Many 401(k) plans now allow participants to trade stocks and bonds by offering brokerage accounts inside the tax-deferred ...
  69. Take These Simple Steps to Open an IRA

    Take these simple steps to set up an Individual Retirement Account that will save you tax money and set you up for the future.
  70. 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 ...
  71. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  72. 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.
  73. Best ways to use your 401(k) without a penalty

    Learn how to avoid incurring additional tax penalties when using your 401(k) before retirement with hardship distributions ...
  74. How to Use Your Roth IRA as an Emergency Fund

    Do you feel like you don’t have enough money to save for emergencies and also save for retirement? An often-overlooked feature ...
  75. Building a Roth IRA Fortune For Your New Graduate

    Encouraging your new graduate to open a Roth IRA as they begin their careers can give them a significant head start on creating ...
  76. Is a Roth IRA or Traditional IRA Better For You?

    There are benefits to both types of IRAs, but it is important to determine which account will work best for you.
  77. How to pick the right bonds for your IRA

    Learn about what types of bonds you may want to include in an IRA depending on risk tolerance. Understand the tax benefits ...
  78. Make the Most of Your Money With Tax-Advantaged Accounts

    Investing in a Roth IRA and health savings account (HSA) can keep more of your retirement funds from being paid to the IRS.
  79. How to Save for Retirement Without a 401(k)

    If you don't have the option of contributing to a 401(k), there are other ways to save for retirement.
  80. Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free with Roth IRA distibutions.
  81. 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 ...
  82. 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 ...
  83. Bear Spray For Your 401(k)

    You can defend your retirement savings from the ravages of a bear market. We'll show you how.
  84. 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 ...
  85. Retirement Investment Strategies by Age

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

    Fixed, variable and indexed annuities offer different features. Find out which one fits your needs.
  87. 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 ...
  88. 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.
  89. 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.
  90. 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. ...
  91. Trading Options in Roth IRAs

    A breakdown of the do's and don'ts of trading options in a Roth IRA.
  92. 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 ...
  93. 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. ...
  94. 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 ...
  95. 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.
  96. 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 ...
  97. Break Out Of Annuity Prison

    Annuities offer security but also lock up your cash. The secondary market could be your key to escape.
  98. 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 ...
  99. 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 ...
  100. 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 ...
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