Retirement Investing & Saving

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  1. Utilization Fee

    Utilization fees are what lenders may charge borrowers, against large outstanding balances on the credit they use.
  2. What is the 'three-legged stool'?

    The "three-legged stool" is an old phrase that many financial planners used to describe the three most common sources of ...
  3. Strategies to Use Life Insurance for Retirement

    Here's how to incorporate life insurance into a plan to ensure that you and your family have the smoothest possible transition ...
  4. 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?

    Whether you can use your profit-sharing funds depends on constraints that may prevent you from withdrawing the money from ...
  5. The Best Way to Budget: Automate Your Finances

    Budgeting is the best way to keep your finances on track, but it can be time-consuming and frustrating. Here's how to painlessly ...
  6. 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.
  7. 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 ...
  8. Notice Of Assessment - NOA

    An annual statement sent by revenue authorities to taxpayers detailing the amount of income tax they owe. It includes the ...
  9. Voluntary Employees Beneficiary Association Plan - VEBA

    A Voluntary Employees Beneficiary Association (VEBA) plan is a type of employer-sponsored trust used to help employees pay ...
  10. Participating Policy

    A participating policy is insurance that pays dividends to policyholders. Dividends come from the profits of the insurance ...
  11. High-Deductible Health Plan - HDHP

    A health insurance plan with a high minimum deductible that that the insurance holder must pay for medical expenses before ...
  12. Closing in on Retirement? Read These Tips

    If you're within 10 years of retiring, you and your financial planner should heed these key tips.
  13. ‘When Should I Retire?’ Pros and Cons of Different Ages

    Before making the decision to retire, make sure you have the financial resources to enjoy your later years.
  14. Setting a Money Goal Based on Your Retirement Age

    Arriving at a target nest egg is a highly personalized question, and the age when you leave the workforce is often the biggest ...
  15. Vanguard's Target Date Funds: What You Should Know

    Target date funds have grown in popularity as an investment of choice among 401(k) investors.
  16. Free Look Period

    A free look period is a period of time in which a new life insurance policyholder can terminate the policy without penalties, ...
  17. Should You Replace Your Annuity – or Not?

    Sometimes, replacing an annuity is a better deal for the insurer and its sales rep than it is for you. Ask the right questions ...
  18. Provident Fund

    Similar to U.S. Social Security, provident funds in some countries are retirement savings plans into which employees contribute ...
  19. Cash Balance Pensions: Pros, Cons for Small Biz

    Are cash balance pensions the right solution for your small business clients?
  20. Period Certain

    Period certain is a life annuity option that allows the customer to choose when and how long to receive payments, which beneficiaries ...
  21. Rejuvenate Your Life and Career With a Sabbatical

    Sometimes a one-week vaction isn't enough. Learn the pros and cons of an extended break.
  22. What the Daily Market Recap Means to You

    Do long-term investors need to worry about daily market recaps, index movements or companies beating earnings?
  23. Financial Adviser

    A financial adviser (or advisor) is a professional who provides financial guidance to clients based on their needs and goals.
  24. Better for Retirement: Dividend Stocks or Annuities?

    There's a lot to take into account when deciding between dividend stocks or annuities for retirement planning. Here's what ...
  25. Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  26. Fringe Benefits

    Fringe benefits are additional compensation provided to an employee or partner by an employer, such as health insurance, ...
  27. Reducing Your Tax Burden in Retirement

    Implementing tax diversification in a retirement portfolio can lead to more money in your pocket.
  28. When 401(k) In-Service Withdrawals Make Sense

    In-service withdrawals from a 401(k) may be a wise consideration under the right circumstances.
  29. Top Tips for Maximizing Social Security

    Delaying filing and marital benefits are just a couple ways to maximize Social Security.
  30. Did Your 401(k) Win a Nobel Prize?

    It is important to make your retirement investing as automatic as possible. We dig into behavioral finance here.
  31. For Older Investors, Tips on How to Beat Inflation

    How can investors close to retirement protect their savings against inflation? Here are some tips.
  32. Investment Advisers Act of 1940

    The Investment Advisers Act of 1940 is a U.S. federal law that defines the role and responsibilities of an investment advisor/adviser.
  33. How to Rebalance 401(k) Assets

    Rebalancing 401(k) assets can seem daunting but shouldn't be ignored. Here's how to go about it.
  34. Top Vanguard Funds for Retirement Diversification

    These Vanguard funds offer diversification and low fees for retirement savers.
  35. How Higher Interest Rates Impact Your 401(k)

    Here's how a rise in interest rates will likely impact results in your 401(k).
  36. 7 Financial Lessons to Master by the Time You're 30

    Once you hit your 30s, it is time to get serious about your finances and money skills. Here are the top money lessons you ...
  37. 2 Things You Need to Know About 401(k)s

    Understanding and taking advantage of these 401(k) options can increase your retirement savings.
  38. It's Never Too Early to Start Saving

    The earlier you begin investing, the more stable your future will be in the short and long term.
  39. Financial Planners: Specialize in Seniors

    This demographic has all the needs to keep your financial planner firm busy year-round.
  40. Top Retirement Prep Questions to Ask Clients

    Is your client really ready for retirement? Here are some essential questions to ask.
  41. Are Your Investments Right for Your Age?

    It’s never too late to invest for retirement. Make the right decisions for where you're at now.
  42. Retirement Savings: Keep Your Eyes on the Prize

    Setting retirement savings goals by decade helps you get on track and stay there.
  43. How Much You Should Have Saved (by Age)

    Knowing how much you should have saved at each stage of your life provides a way to get – and stay – on track for retirement.
  44. Make Your Portfolio Safer With Risky Investments

    A high-risk security can reduce risk overall. Find out how it works.
  45. Top Tips to Reduce Required Minimum Distributions

    A look at the best strategies to reduce required minimum distributions from qualified retirement accounts.
  46. A Credit Crisis Can Have an Upside and a Downside

    Find out how a credit crisis can be a learning experience for society.
  47. As Boomers Slow Down, Will the Economy Follow?

    Many baby boomers are working past 65, yet as they retire, the effects could be profound.
  48. Variable Annuities: The Pros and Cons

    Variable annuities are one of the most complicated financial instruments—weighing the pros and cons.
  49. Plain Vanilla Bonds: Why They May Be Best

    In a low-rate environment, it's tempting to go for higher yield bonds, but be careful.
  50. Roth IRA

    A Roth IRA is an individual retirement plan that bears many similarities to the traditional IRA, but contributions are not ...
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Hot Definitions
  1. Exchange-Traded Fund (ETF)

    A security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange.
  2. Net Present Value - NPV

    Net Present Value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows ...
  3. Return On Equity - ROE

    The amount of net income returned as a percentage of shareholders equity. Return on equity measures a corporation's profitability ...
  4. Bond

    A bond is a fixed income investment in which an investor loans money to an entity (corporate or governmental) that borrows ...
  5. Whole Life Insurance Policy

    A life insurance contract with level premiums that has both an insurance and an investment component. The insurance component ...
  6. Compound Annual Growth Rate - CAGR

    The Compound Annual Growth Rate (CAGR) is the mean annual growth rate of an investment over a specified period of time longer ...
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