Retirement Investing & Saving

  1. Bear Spray For Your 401(k)

    You can defend your retirement savings from the ravages of a bear market. We'll show you how.
  2. 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 ...
  3. Retirement Investment Strategies by Age

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

    Fixed, variable and indexed annuities offer different features. Find out which one fits your needs.
  5. 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 ...
  6. 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.
  7. 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.
  8. 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. ...
  9. What are some of the features and benefits of SEP IRAs and Roth IRAs?

    A side-by-side comparison of the features of SEP IRAs and Roth IRAs.
  10. Trading Options in Roth IRAs

    A breakdown of the do's and don'ts of trading options in a Roth IRA.
  11. My spouse has little/no income. Can I contribute to my spouse's IRA?

    Yes. You may make a Traditional IRA contribution to your spouse's Traditional IRA, assuming you have eligible compensation.
  12. 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 ...
  13. Can you have a 403(b) and also contribute to a 401(k)?

    Yes. You may participate in both a 403(b) and a 401(k) plan. However, certain restrictions may apply to the amount you can ...
  14. 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. ...
  15. 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 ...
  16. Employee Savings Plan

    An employee savings plan is an employer-provided tax-deferred account typically used to save for retirement, such as a defined ...
  17. An Overview of Annuities

    As part of your overall investment strategy, annuities may add value to your retirement in more ways than you think. Here's ...
  18. Delayed Perpetuity

    Delayed perpetuity is a perpetual stream of cash flows that start at a predetermined date in the future.
  19. Guaranteed Minimum Income Benefit - GMIB

    A guaranteed minimum income benefit (GMIB) is a type of annuity option that guarantees a certain level of minimum payments. ...
  20. Benefits of Cash Balance Plans for Business Owners

    Cash balance plans can be a great way for many business owners to boost their retirement savings.
  21. Maximize After-Tax Returns With Asset Location

    Implementing an asset location strategy can maximize after-tax returns. Here's how it works.
  22. Are Social Security benefits inflation-adjusted?

    Learn how the Social Security Administration adjusts benefit amounts for inflation and how 1970s inflation triggered this ...
  23. High-Deductible Health Plan - HDHP

    A high-deductible health plan is health insurance with a high minimum deductible for medical expenses that must be paid before ...
  24. 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.
  25. Can I roll my 401(k) and/or IRA funds into a more liquid investment fund without penalty?

    You may be able to change your IRA investment(s) or transfer the account to another financial institution. The 401(k) plan ...
  26. 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 ...
  27. Guaranteed Lifetime Withdrawal Benefit - GLWB

    Guaranteed Lifetime Withdrawal Benefit (GLWB) is a rider on an annuity that allows withdrawals from the account without penalities. ...
  28. Break Out Of Annuity Prison

    Annuities offer security but also lock up your cash. The secondary market could be your key to escape.
  29. 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 ...
  30. Lump Sum Versus Regular Pension Payments

    Should you accept the traditional, lifetime monthly payments or take a lump sum distribution? We'll help you understand what ...
  31. Can I take my 401(k) in a lump sum?

    Understand your options as it relates to taking a lump sum distribution from a 401(k) plan, and learn the benefits and disadvantages ...
  32. After-Tax Contribution

    An after-tax contribution is the contribution made to any designated retirement or investment account after taxes have been ...
  33. 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 ...
  34. 10 Financial Tips to Live Your Best Retirement Life

    Retirement is supposed to be one of the most enjoyable times of your life. Use these 10 tips to help ensure you're financially ...
  35. What rate of return should I expect on my 401(k)?

    Learn which factors affect your 401(k) performance, and understand what a typical rate of return is for employer-sponsored ...
  36. Mutual Fund

    Mutual funds combine money from many investors to invest in a portfolio of stocks, bonds or other securities.
  37. 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 ...
  38. Is a 401(k) a qualified retirement plan?

    Examine the different types of qualified retirement plans and discover if a 401(k) meets the definition of a qualified retirement ...
  39. Health-y Savings Accounts

    Health savings accounts (HSAs) can provide a great way to save for retirement and medical expenses.
  40. Should You Invest in a Traditional IRA or a Roth IRA?

    Is a traditional IRA or Roth IRA the right retirement account for you? It depends largely on your tax brackets before and ...
  41. What are the most common social security scams?

    Learn about some of the most common Social Security scams that occur by phone, email and direct mail, and find out how to ...
  42. I have two jobs. Can I contribute to two SIMPLE IRA plans?

    If there is no relationship between the two companies, then yes, collectively up to the contribution amount allowed by the ...
  43. Write Covered Calls To Increase Your IRA Income

    Covered calls may require more attention than bonds or mutual funds, but the payoffs can be worth the trouble.
  44. These are John Hancock’s Top Funds for Retirement

    John Hancock's fund lineup is vast, so here's a quick primer on what could be its best funds for your retirement portfolio. ...
  45. 401(k) Plans For The Small Business Owner

    If you own a business, this may be the plan for you! Find out about its benefits and eligibility requirements.
  46. Graded Vesting

    Graded vesting is a schedule by which employees gain ownership of employer contributions to retirement plans and stock options.
  47. Can I contribute to my company-sponsored 401(k) after the company's year-end but before its tax-filing date?

    No: Unlike IRA contributions, 401(k) contributions generally apply to the year in which they are actually withheld from your ...
  48. 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 ...
  49. Update Your Variable Annuity With Section 1035

    Thanks to a special tax code clause, you can surrender a variable annuity without paying income tax.
  50. Benefits of an Individual 401(k) for Self Employed

    Solo 401(k) plans offer several benefits for self-employed professionals.
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