Retirement Articles

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  1. How Can You Make the Most of Your 401(k)?

    Make the most of your 401(k) plan by contributing early and taking advantage of employer matches.
  2. 5 Benefits of Rolling Over a 401(k)

    Nearing retirement or changing jobs? Here's why you might want to move your 401(k) into an IRA (more investment options, ...
  3. Roth or Traditional IRA: Which Is Better for You?

    Investors should know the differences and similarities between a Roth IRA and a Traditional IRA.
  4. How to Invest for Retirement When You're Working

    Here's how three different portfolios impact your retirement savings while you're still employed.
  5. 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; fees are high.
  6. Everything You Need to Know About Your 403(b) Plan

    Many folks do not understand the ins and outs of their 403(b) plan. Let's change that.
  7. 5 Ways Your Retirement Plan Can Fail

    There are far too many variables involved in retirement planning to just wing it.
  8. Which Type of 401(k) Is the Best Option?

    Roth 401(k) or traditional 401(k)? The correct answer has the potential to add hundreds of thousands of dollars to your net ...
  9. 3 Reasons to Convert Your IRA to a Roth IRA

    Having an IRA is smart. Knowing when to convert it to a Roth IRA is smarter because it can give you and your heirs a welcome ...
  10. Managing Your Own 401(k): Pros & Cons

    The decision to manage your 401(k) investments should not be made lightly. These pros and cons will help you determine if ...
  11. Why a 10% Deferral to Your 401(k) May Not Be Enough

    Deferring 10% of your income to your 401(k) may not be enough. Consider an income plan that draws on 360 degrees of income ...
  12. How to Calculate Required Minimum Distributions

    Ever wondered how to calculate required minimum distributions from multiple accounts? Here's a quick primer.
  13. Will State-based Auto IRAs Be Nixed by Trump?

    Will a new law that encourages states to develop IRA-based savings programs survive under the Trump administration?
  14. The Impact of Student Debt on Retirement Savings

    The burden of student loan debt can hinder the ability to save long term for retirement
  15. Best ETFs For An Early Retirement (PEY, AGG)

    Based on today's markets, which ETFs could you buy in 2013 that'll provide the best opportunity for an early retirement? ...
  16. 4 Financial Recommendations for Millennials

    Explore four basic financial recommendations for Millennials. Find out why systematic savings, debt reduction and financial ...
  17. Is there any way to opt out of paying Social Security?

    Understand more about the purpose of the Social Security system and learn which groups of taxpayers are automatically exempt ...
  18. 403(b) Plans: The Flaws Teachers Should Know

    Here's a look at the many issues with teacher retirement plans, also known as 403(b) plans.
  19. 11 Social Security Calculators Worth Your Time

    The safest Social Security calculators to use when figuring benefits are on the official website. The best are the ones that ...
  20. 6 Reasons Not to Recharacterize Your Roth IRA

    If you're thinking of recharacterizing your Roth IRA into a traditional IRA account, here are six compelling reasons why ...
  21. The Best Strategies to Maximize Your 401(k)

    Use these tips to watch your retirement nest egg grow from quarter to quarter.
  22. 403(b)s Among Plans Not Covered by Fiduciary Rule

    Some retirement plans, including 403(b)s, are not covered by the DOL's new fiduciary rule. Here's what it means.
  23. How Inflation Impacts Your Financial Planning

    Inflation can erode wealth over time and must be considered carefully in a financial plan.
  24. The Risks of Not Starting Retirement Savings in Your 20s

    Saving for retirement in your 20s can be challenging, but waiting to start can put your long-term financial future at serious ...
  25. The Basics of Roth IRA Contribution Rules

    What you need to know about Roth IRA contributions – from eligibility to dollar limits, deadlines to tax breaks.
  26. The Purpose of Having a Social Security Number

    When (and why) it is necessary to use the nine-digit number the United States government issues to individuals and when you ...
  27. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  28. How an IRA Works After Retirement

    You've read a lot about saving for your future retirement with IRAs. But what happens to the account when the future is here, ...
  29. 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.
  30. Top Tips for Minimizing Taxes on Social Security

    Social Security benefits are taxable under certain circumstances. Here are some ways retirees can lessen the tax burden. ...
  31. 5 Secrets You Didn't Know About 401(k)s

    If your employer offers a 401(k), that should be your first stop for retirement savings – especially if your contributions ...
  32. 65 or Older? Have Elective Surgery This Year

    2016 is the last year that seniors only have to reach 7.5% of adjusted gross income before deducting medical costs. Have ...
  33. Teachers: Who is Managing Your 403(b)?

    It's imperative that teachers research the practices of their retirement fund managers, who should always be working in their ...
  34. Need Help Saving for Retirement? New Regulations Are on the Way

    The Department of Labor is enticing state governments to set up state-run retirement plans for private-sector workers, but ...
  35. 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 ...
  36. Don't Listen to Advice Without Considering Taxes

    Do not fall prey to the flawed advice that we all have gotten in the past when it comes to saving for retirement. And don't ...
  37. Top 5 Costliest Health Issues Retirees Face

    The healthcare system today is murky, with plans changing what they cover. What are the costliest out-of-pocket or underestimated ...
  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 and ...
  39. CSIFX, CAAAX, CSXAX: Overview of Socially Responsible Funds

    Discover how socially responsible investing with Calvert Funds can be a highly profitable way to diversify your retirement ...
  40. Why Retirement Plan Sponsors Could Face Litigation

    A Supreme Court decision makes it easier for retirement plan participants to sue their employers. Apathy is not a strategy ...
  41. Top 10 Mistakes to Avoid on Your 401(k)

    Funding and managing your 401(k) is critical to a financially healthy retirement. Avoid these top 10 mistakes.
  42. For Young Investors: Too Many Choices, Too Few Dollars

    Your retirement may be decades away, but this is no time to procrastinate.
  43. Why Millennials Are Stressing About Saving for Retirement

    Millennials can't afford to put off saving for retirement, but planning for their later years is proving to be nerve-racking ...
  44. NUSFX, NOIEX, NOSIX: Top Northern Trust Funds for Retirement

    Discover how to use Northern Trust mutual funds to create a highly diversified and moderately conservative portfolio with ...
  45. CBLAX,NINDX,NTIAX,RDLAX: Top Columbia Funds for Retirement

    Discover the advantages of using mutual funds to diversify your retirement savings. Learn which Columbia Funds build the ...
  46. HBLAX, HQIAX, IHGIX, HGIYX: Hartford Funds for Retirement

    Discover five mutual funds from The Hartford Funds that create a well balanced and profitable base for your retirement savings ...
  47. Is Real Estate Your Retirement's Secret Weapon?

    With stocks maybe peaking and fixed-income investments paying less and less, real estate could be the growth opportunity ...
  48. MLDAX, MAPPX, CPOAX: Top Morgan Stanley Funds for Retirement

    Learn how to use mutual funds from Morgan Stanley to create a high-growth retirement savings portfolio with global diversification.
  49. PEYAX, PGEOX, PGRWX, VSCAX: Top Putnam Funds for Retirement

    Discover the best Putnam Investments mutual funds for retirement diversification, and learn where to allocate your investments ...
  50. FKGRX, FRSGX: Franklin Templeton’s Top Funds for Retirement

    These are Franklin Templeton's top mutual funds and ETFs for a diversified retirement portfolio.
  51. DQIAX,DBOAX,PEOPX: Top Dreyfus Funds for Retirement

    Learn which five Dreyfus funds provide the best portfolio diversity combined with stability of investment returns for any ...
  52. MYCIX,MBAIX,MTRAX: Top 5 Mainstay Funds for Retirement

    Discover how to use award-winning MainStay mutual funds from New York Life to build a high-quality and diversified retirement ...
  53. REQTX: Top 4 Russell Funds for Retirement

    Discover four mutual funds administered and managed by Russell Investments that would add diversification benefits to a retirement ...
  54. 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 ...
  55. MMUFX: Top 5 MFS Funds for Retirement Diversification

    Discover the five best MFS funds for retirement savings diversification. Learn why America's first mutual fund is still a ...
  56. The Vanguard Effect: Lower Expenses, Higher Returns (IHF, VHT)

    Vanguard distinguishes itself by being the low-cost provider in a crowded field of mutual funds and ETFs.
  57. HACAX: Top Harbor Funds for Retirement Diversification

    Learn more about Harbor Funds and its top four funds for retirement diversification in 2016, including each fund's manager, ...
  58. 7 Tips to Have the Best Health Savings Account (HSA)

    You want the best health savings account you can find to cover your healthcare costs. Here are tips to help you locate one.
  59. OAEIX,OPPAX: Oppenheimer Funds’ Top Funds for Retirement

    These four mutual funds are OppenheimerFund's best for retirement portfolios.
  60. EXDAX: Overview of Top Manning & Napier Funds

    Learn about four mutual funds administered and managed by Manning & Napier that can help investors diversify their retirement ...
  61. The Top 4 Credit Suisse Funds for Retirement Diversification in 2016

    Discover the top four Credit Suisse funds for retirement diversification in 2016, complete with a description of each fund ...
  62. How to Identify a Good Trustee

    Your estate plan is only as good as your trustee. Choose the wrong one and it can create a bad situation for your heirs. ...
  63. The Downside of Spending Retirement Savings

    Thinking of borrowing or withdrawing funds from your nest egg to cover a financial emergency? You may want to find other ...
  64. Why Women Retire with Less Money

    The gender gap plays a significant role in women's ability to put aside enough money for a comfortable retirement. How to ...
  65. Carl Icahn's Q1 Investments: PYPL, AAPL

    Billionaire hedge fund manager Carl Icahn reduced his holdings in PYPL and AAPL in Q1. Let's find out why.
  66. Why Delaying Retirement for Your Child’s College Is a Bad Idea

    Sparing your child a mountain of student loans is admirable, although it might not make sense to delay your retirement in ...
  67. How to Use Active and Passive Investing for Retirement

    For most investors, sticking with a passive strategy for retirement investing will probably result in the best long-term ...
  68. 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?
  69. Picking Retirement Stocks: Dividends vs. Free Cash Flow

    Instead of focusing on dividend payments, a better metric for choosing stocks for your retirement portfolio could be a company’s ...
  70. Should Retirees Buy or Lease Cars?

    To buy or lease – that is the question. For retirees, access to safer cars, comprehensive warranties and tax deductions may ...
  71. Retirement Strategy: Should You Be Buying More Stocks?

    Conventional wisdom says your retirement portfolio should be 60% stocks/40% bonds at retirement age, with ever fewer stocks ...
  72. Scottrade: How Good Are Its Retirement Services

    Scottrade, founded in 1980, offers a wide range of financial services and investment possibilities for retirement assets. ...
  73. The 5 Best Cars for Retirees

    Remember the old "boat" that granddads used to drive? Things have changed: Witness this list of smaller, safer SUV, sedan ...
  74. Retirees and Cars: New or Used?

    You have to consider more than just the purchase price: Insurance, the warranty, resale value and how much you plan to drive ...
  75. The Retirement System in Utah

    While Utah isn’t quite as generous with employee retirement benefits as it once was, its contribution rate for new hires ...
  76. Delaying Retirement? Here’s How to Tweak Your Plans

    Putting off your exit from work can be good for your health, but don’t forget to look at how that decision affects your saving ...
  77. Diversification: Your Best Retirement Planning Tool

    Holding a mix of investments in your portfolio can help you avoid selling at a loss. This list of asset classes with specific ...
  78. TD Ameritrade: How Good Are Its Retirement Services (AMTD)?

    TD Ameritrade has a solid reputation for retirement services. If you are thinking of putting your assets there, here’s what ...
  79. 5 Top Alternatives to a Reverse Mortgage

    If you have substantial home equity and don't want to do a reverse mortgage to tap it for retirement expenses, cost out these ...
  80. The Retirement System in Florida

    Retired Florida employees can choose a 401(k)-style investment plan or a traditional pension.
  81. The 401(k) Gender Gap

    Women aren't investing in 401(k) plans at the same rate as men - which will cost them big time at retirement. To reap the ...
  82. Top 8 States for Starting a Business in Retirement

    Starting a business in retirement can be rewarding and where you decide to do it can have a significant impact on your long-term ...
  83. How Inflation Eats Away at Your Retirement

    When calculating how much money you need to comfortably retire, it's important to factor in how much inflation can chip away ...
  84. Why Your Retirement Portfolio Can’t Rely on High Rates of Return

    Some experts speculate that stock market returns may be headed downward and investors should strategize accordingly. But ...
  85. Fidelity: How Good Are Its Retirement Services?

    Fidelity is one of the leading brokerage firms in the U.S. The company has several retirement plan offerings and services ...
  86. How to Manage Money for Someone with Alzheimer's

    Alzheimer’s disease affects more than 5 million Americans, and approximately one in three seniors will die with dementia. ...
  87. 5 Ways New Investors Can Reduce Stress

    Learn five ways to reduce stress prior to investing, involving budgeting, diversification and risk tolerance.
  88. Retirees: Don’t Lose Your Fiduciary Rule Protection

    Retired? The Department of Labor’s proposed fiduciary rule may affect the management of your tax-advantaged retirement accounts. ...
  89. Why Home Equity Can Be an Income Source in Retirement

    If you are a homeowner facing a retirement savings shortfall tapping your home equity could be an option.
  90. How a 1% Annual Fee Can Kneecap Your Retirement Savings

    What kind of impact does an annual 1% fee have on your portfolio? The answer may surprise you.
  91. Charles Schwab: How Good Are Its Retirement Services?

    Charles Schwab has a solid reputation for retirement services, with something for everyone from beginners to those with half ...
  92. Gold IRA Rollover

    Does it make sense to roll over some of the money in your 401(k), IRA or Roth retirement accounts into a gold IRA? Consider ...
  93. Cheaper Hearing Aids at Last?

    PSAPs have emerged as a cheaper alternative to standard hearing aids, but are they a viable option? Some industry professionals ...
  94. Senior Discounts So Soon?

    You don’t have to be 65 to get discounts on food, travel, entertainment and more. A look at some deals you can find with ...
  95. Vanguard: How Good Are Its Retirement Services?

    If you’re thinking about placing your retirement assets with Vanguard, here’s what you need to know.
  96. T. Rowe Price vs. Fidelity: Comparing Small Business 401(k) Providers

    Read about two reputable 401(k) providers offering plans for small businesses, and learn more about which services and features ...
  97. 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 ...
  98. Parent Loans for College: Surprising Hidden Dangers

    Private parent loans can help families pay for college. But the repayment timeline associated with the loans can hurt parents’ ...
  99. Retirement Plans: Shift in Money-Market Funds You Can Get

    "Prime” money market funds that buy both corporate and government debt will be able to charge redemption fees in a volatile ...
  100. Charles Schwab vs. Employee Fiduciary: Comparing Small Business 401(k) Providers

    Learn about the key differences between Charles Schwab and Employee Fiduciary 401(k) plans in terms of company structure, ...
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Hot Definitions
  1. Retirement Planning

    Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve ...
  2. Drawdown

    The peak-to-trough decline during a specific record period of an investment, fund or commodity. A drawdown is usually quoted ...
  3. Inverse Transaction

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  4. Redemption

    The return of an investor's principal in a fixed income security, such as a preferred stock or bond; or the sale of units ...
  5. Solvency

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  6. Dilution

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