Retirement FAQs

  1. Can you buy penny stocks in an IRA?

  2. Are catch-up contributions included in actual deferral percentage (ADP) testing?

  3. What are the differences between a self-directed IRA and a traditional IRA?

  4. Can you fund non-qualified deferred compensation plans with life insurance?

  5. Can I collect Social Security if I still have a job?

  6. When are Simple IRA contributions due?

  7. How does a Thrift Savings Plan (TSP) work?

  8. What happens to my 401(k) plan when it's frozen?

  9. Are my Social Security disability benefits taxable?

  10. What does amortization mean in the context of a pension plan?

  11. Is a treasury bond a good investment for retirement?

  12. How is the social security trust fund invested?

  13. Are Social Security payments included in the US GDP calculation?

  14. How are Social Security benefits affected by your income?

  15. What does 'full retirement age' mean with regard to Social Security?

  16. Can a divorced woman collect Social Security from her ex-husband?

  17. I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest it in Roth IRAs?

  18. Can I borrow from an IRA without penalty?

  19. The company I am working for said that 401(k) contribution can be based on only straight time pay! The company I previously worked for allowed me to contribute on gross earnings. Has the law changed, or is the current employer wrong?

  20. Can I have a self-directed IRA or Roth IRA using the forex market?

  21. What are some of the features and benefits of SEP IRAs and Roth IRAs?

  22. My spouse has little/no income. Can I contribute to my spouse's IRA?

  23. Can you have a 403(b) and also contribute to a 401(k)?

  24. Are Social Security benefits inflation-adjusted?

  25. Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?

  26. Can I take my 401(k) in a lump sum?

  27. What rate of return should I expect on my 401(k)?

  28. Is a 401(k) a qualified retirement plan?

  29. What are the most common social security scams?

  30. I have two jobs. Can I contribute to two SIMPLE IRA plans?

  31. Can I contribute to my company-sponsored 401(k) after the company's year-end but before its tax-filing date?

  32. My company is the trustee of our 401(k) plan (which has 112 participants). What are the pros and cons of having the company instead of the plan provider/vendor as the trustee?

  33. I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?

  34. I am a teacher in a public school system with some money in a Roth IRA and also a self-directed IRA. Can I roll my IRA funds into a newly opened 403(b) plan, since I am presently employed by the school sy

  35. Is there a minimum I have to contribute to my 401(k) plan?

  36. If an individual still has his or her former spouse as the beneficiary of an IRA, does the former spouse receive the assets upon the individual's death?

  37. If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

  38. Can a person who is retired continue to fund an IRA?

  39. Can creditors garnish my IRA?

  40. Should a Canadian citizen who lives and works in the U.S. continue to contribute to a RRSP account?

  41. I am in my mid thirties and have nothing invested for retirement. Is it too late to start contributing for a retirement plan?

  42. How is cost basis calculated on an inherited asset?

  43. Can I roll over a profit-sharing plan to an SEP IRA account without suffering any tax penalties and liquidation of current positions held in this account?

  44. Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial institution without a tax penalty?

  45. Are there tax penalties for closing my IRA account?

  46. Why is my 401(k) not FDIC-insured?

  47. What will happen to my SEP IRA if I leave my current employer?

  48. Can a spouse who is not named as a beneficiary receive assets from an IRA?

  49. Can the non-spouse beneficiary of an IRA name a successor beneficiary?

  50. If an IRA owner dies after starting required minimum distributions (RMD) but the spouse is under 70½, can the spouse roll over the IRA into his/her own IRA, and stop RMDs until age 70½?

  51. I make over $120,000/yr and my adjusted gross income precludes standard IRA contributions. My contributions to my 401(k) plan at work are limited to $18,500/yr. It seems I'm being penalized for my income. Are there other retirement savings options av

  52. I'm worried about the economy and want to move my IRA funds from stocks and bonds to cash. Will I taxed for this?

  53. Can I use my IRA to pay for my college loans?

  54. Can I roll a traditional IRA into a 529 college account for my grandchild?

  55. Can I, without tax penalties, use the IRA I inherited from my father to buy a home that I will live in? He was 72 and had started taking small payouts on it.

  56. How does an IRA grow over time?

  57. What are the main differences between a provident fund and a pension fund?

  58. What happens to your company-sponsored SIMPLE IRA account if you leave within the two-year period, and your new employer doesn’t offer a SIMPLE plan?

  59. The Differences Between 401(k) and 403(b) Plans

  60. Can I use my 401(k) as collateral for a loan?

  61. Inter Vivos Trust vs Testamentary Trust: What is the difference?

  62. Why did my employer delay 401(k) distributions?

  63. Why is Social Security running out of money?

  64. Will I have to pay taxes on my 401(k) plan if I quit my job?

  65. Can dividends be paid out monthly?

  66. I have a profit-sharing plan with my former employer. I am now trying to buy a home. Can I use my profit-sharing money to put a down payment on a house?

  67. Can you borrow from a Vanguard 401(k)?

  68. Is my IRA or Roth IRA FDIC-Insured?

  69. What is the difference between a Traditional and a Roth IRA?

  70. Are 401(k) withdrawals considered income?

  71. How can I put my IRA in a trust?

  72. Are variable annuities subject to required minimum distribution (RMD)?

  73. What are the differences between a Registered Retirement Savings Plan (RRSP) and a Registered Pension Plan (RPP)?

  74. What to Do After You've Over-Contributed to Your 401(k)

  75. Are Roth 401(k) plans matched by employers?

  76. What are the maximum Social Security disability benefits?

  77. Benefits of a 401(k) for the Self-Employed

  78. Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?

  79. Are 401(k) contributions tax deductible?

  80. Annuities: Present Value Versus Future Value

  81. How to Calculate Early Withdrawal Penalties on an IRA or Roth IRA

  82. How to avoid paying taxes on Social Security income

  83. Coverting your 403(b) to 401(k)

  84. Can a variable annuity be rolled into an IRA?

  85. Are Social Security survivor benefits for children considered taxable income?

  86. What to do after maxing out your Roth IRA?

  87. How is Social Security tax calculated?

  88. How are non-qualified variable annuities taxed?

  89. Can I use my 401(k) to pay for my college loans?

  90. What are the Roth 401(k) contribution limits?

  91. 401(k) and IRA contribution

  92. How to withdraw money from your 401(k)

  93. Receiving Social Security benefits abroad

  94. Calculating PV of annuity in Excel

  95. Does Canada have Social Security numbers?

  96. Use your 401(k) to purchase a house

  97. When to apply for Social Security retirement benefits

  98. The Difference Between a 401(a) and a 401(k)

  99. 401(k) vs. Roth IRA

  100. Retirement account: Pros and cons of naming a trust as a beneficiary

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