Retirement Investing & Saving

  1. Designating a minor as an IRA beneficiary

    Leaving an IRA to minors can be a complicated procedure. Make sure you understand how your gift will be distributed, managed ...
  2. 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 ...
  3. Deducting Losses on Your IRA Investments

    Here's when (and how) investment losses in an IRA account can be included as a deduction on your tax return.
  4. Roth 401(k), 403(b): Which Is Right for You?

    Learn how to decide between a traditional and a Roth version of the 401(k), 403(b) or 457(b) retirement plans to help you ...
  5. Using your IRA to buy investment property

    Here you'll learn how to use an IRA account to buy investment property.
  6. 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 ...
  7. Millennials Need More Than $1 Million to Retire

    While your parents or grandparents may have been able to retire on $1 million, it's not going to be enough for Millennials. ...
  8. How much Millennials need to 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.
  9. Near or over 65? Use these retirement planning tips

    Find out how to save smarter after 65.
  10. Can I use my 401(k) as collateral for a loan?

    Understand more about how 401(k) accounts work, and learn whether it is possible to use a 401(k) account as collateral for ...
  11. Can I use my IRA to pay for my college loans?

    Learn about how to use your IRA retirement savings to pay for your college loans, including how to avoid the 10% early withdrawal ...
  12. Analysis: Should you get a gold IRA?

    Yes, you can invest in actual gold or other precious metals for your IRA. See the special rules for gold IRAs and what to ...
  13. Keogh Plan

    A Keogh plan is a tax-deferred pension plan available to self-employed individuals or unincorporated businesses for retirement ...
  14. What Happens to a 401(k) After You Leave Your Job?

    Find out what happens to your 401(k) after you leave your job. Learn about your five primary options, including cashing out ...
  15. How to avoid paying taxes on Social Security income

    Learn how to calculate the percentage of Social Security income benefits that may be taxable – and discover strategies to ...
  16. Mutual Fund

    Mutual funds combine money from many investors to invest in a portfolio of stocks, bonds or other securities.
  17. The Best Alternatives to a 401(k)

    A 401(k) is the traditional retirement account for most Americans. However, there may be better options.
  18. 3 Steps for Building Financial Stability This Year

    With many believing we will enter a recession in 2018, the majority of Americans are focusing on improving their finances.
  19. Bank Insurance

    Bank insurance is a guarantee by the Federal Deposit Insurance Corporation (FDIC) of deposits in a bank.
  20. How does an IRA grow over time?

    Learn how the magic of compounding helps grow an individual retirement account (IRA). IRAs are one of the most proven ways ...
  21. Mortality And Expense Risk Charge

    A mortality and expense risk charge is a variable annuity fee that compensates insurance companies for risks and expenses ...
  22. 4 unusual ways to boost Social Security benefits

    Working the system to get the highest legal Social Security benefits just got harder. Two long-time benefits strategies expired ...
  23. Accumulated Value

    Accumulated value is the total amount an investment currently holds, including the capital invested and interest earned to ...
  24. Getting the whole story on variable annuities

    When you maxed out your annual contributions to 401K, IRA, and other tax-deferred investment vehicles, variable annuities ...
  25. Can you borrow from a Vanguard 401(k)?

    Learn how Vanguard allows its 401(k) participants to take loans against their account with specific borrowing provisions ...
  26. How to convert a 403(b) from an old employer to a 401(k)

    The IRS says that you can roll a 403(b) plan into a 401(k) plan, provided your employer permits it.
  27. Are variable annuities subject to required minimum distribution (RMD)?

    Learn how required minimum distributions (RMDs) affect your variable annuity contract and how to choose benefits that play ...
  28. What to do after you've overcontributed to your 401(k)

    Notify your employer or plan administrator immediately, or at least by March 1 of the following year the excess deferral ...
  29. Elective-Deferral Contribution

    An elective-deferral contribution is a contribution an employee elects to transfer from his or her pay into an employer-sponsored ...
  30. How to make maximum money on your 401(k)

    Now that 401(k)s have put managing retirement money into employees' hands, you can't just contribute and forget it. How to ...
  31. Required Minimum Distribution - RMD

    A required minimum distribution (RMD) is the amount of money required by law that must be withdrawn from certain retirement ...
  32. Can a variable annuity be rolled into an IRA?

    Learn how to roll over your variable annuity to an IRA when you retire or change jobs, and how to do it without triggering ...
  33. Are Social Security survivor benefits for children considered taxable income?

    Learn why receiving Social Security survivor benefits on behalf of children does not affect income tax for a surviving parent ...
  34. Defined-Contribution Plan

    A defined-contribution plan is a retirement plan in which a certain amount of money is set aside annually for enrolled employees ...
  35. Where to save for retirement after maxing out your Roth IRA

    Beyond defined contribution plans like the 401(k), 403(b), and 457, it might be worthwhile to set up a defined benefit plan.
  36. Life insurance versus annuity

    There are certain scenarios in which investing in insurance is a savvy move. But expect a big chunk of your money to go toward ...
  37. How to rollover your 401(k) to a new employer

    You CAN take it with you. Here's exactly what you need to know about 401(k) rollovers.
  38. How is Social Security tax calculated?

    Find out how Social Security tax withholding is calculated, including the impact of the Medicare tax and the maximum taxable ...
  39. How are non-qualified variable annuities taxed?

    Reduce your tax bill by knowing the tax advantages and disadvantages to owning or inheriting a non-qualified variable annuity ...
  40. Savings Options for the Self-Employed Millennial

    Self-employment has many advantages, but one of the disadvantages is the lack of a company-sponsored retirement plan. Here ...
  41. Are 401(k) contributions tax deductible?

    Learn what the tax advantages of a 401(k) retirement plan are, what tax brackets gets the most benefit, and why deferred ...
  42. Why an employer might delay 401(k) distributions – and what to do about it

    There may be legitimate explanations for a delay, but you must be given an explanation in writing.
  43. Power of attorney: When you need one

    Having a power of attorney ensures that you select who will act for you when you are unable to handle your affairs. Without ...
  44. Income In Respect Of A Decedent - IRD

    Income in Respect of a Decedent (IRD) is untaxed income that a decedent earned or was meant to receive before death.
  45. Primary Beneficiary

    A primary beneficiary is the first person in line to receive distributions from a trust or retirement account such as a 4 ...
  46. Can I use my 401(k) to pay for my college loans?

    Find out how to use your 401(k) retirement savings to fund your college education, including the basics of hardship withdrawals ...
  47. Are Roth 401(k) plans matched by employers?

    Discover the difference between a Roth 401(k) and a traditional 401(k), and explore the role of an employer contribution ...
  48. Why is Social Security running out of money?

    Find out why you may not have Social Security benefits available to you when it's time to retire.
  49. What are the Roth 401(k) contribution limits?

    Understand the current contribution limits for designated Roth 401(k) accounts, including additional allowable payments for ...
  50. Is my IRA or Roth IRA FDIC-Insured?

    Understand how the Federal Deposit Insurance Corporation protects certain accounts, and learn if traditional and Roth IRAs ...
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