Retirement Investing & Saving

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  1. Deferred Profit Sharing Plan (DPSP)

    A deferred profit sharing plan (DPSP) is an employer-sponsored Canadian profit sharing plan that is registered with the Canadian ...
  2. How can I put my IRA in a trust?

    Learn the proper way to transfer ownership of your IRA to a trust. Consider how naming the trust as a beneficiary affects ...
  3. Selecting the payout on your annuity

    Make sure you understand your options for withdrawing your funds from this complex instrument.
  4. Can I contribute to both a 401(k) and an IRA?

    Yes, but your participation in the 401(k) plan may affect your ability to take a tax deduction for any traditional IRA contributions. ...
  5. How to withdraw money from your 401(k)

    Deciding to take a withdraw from your 401(k) is not a decision that should be taken lightly. However, for those who needs ...
  6. Using your IRA to pay off credit card debt

    Cashing in an IRA to deal with outstanding credit card balances may not be the best way, but sometimes it's the best available ...
  7. Retirement Savings Tools II: IRAs

    An individual retirement account can increase your savings beyond your employer's retirement plan (or if you don't have an ...
  8. Too Rich for a Roth? Do This

    A backdoor Roth IRA could allow high-income earners to grow their retirement wealth.
  9. How to receive Social Security benefits when retiring outside the U.S.

    Understand the requirements for receiving Social Security benefits while living outside the U.S. – and how citizenship and ...
  10. How to calculate a present value of annuity in Excel

    Find out how to use Microsoft Excel to calculate the present value of a fixed annuity, including proper setup and a calculation ...
  11. Surrender Charge

    A surrender charge is a fee levied on a life insurance policyholder upon cancellation of their life insurance policy.
  12. The purpose of having a social security number

    When (and why) it's necessary to use the nine-digit number that the United States government issues to individuals – and ...
  13. How Social Security works for the self-employed

    As both employee and employer, you have to pay more in Social Security, but there are deductions that can help lighten the ...
  14. Does Canada have Social Security numbers?

    Learn about the Canadian Social Insurance number, which is used by Canadian residents for identification and tax reporting ...
  15. Are 401(k) withdrawals considered income?

    Learn why 401(k) withdrawals are taxable income, and find out when those withdrawals are also subject to an additional penalty ...
  16. Adjusted Earnings

    Adjusted earnings are the sum of earnings and increases in loss reserves, new business, deficiency reserves, deferred tax ...
  17. Annuities: Present value versus future value

    Learn about the difference between the future value and present value of a fixed annuity, and how to use these calculations ...
  18. Why financial literacy is so important

    Financial literacy is the confluence of financial, credit and debt knowledge that is necessary to make the financial decisions ...
  19. How to calculate penalties on an IRA or Roth IRA early withdrawal

    Find out how to calculate the tax penalty on early IRA distributions, including why distributions from Roth accounts can ...
  20. How to take a distribution from a 401(k) to purchase a house

    Because the first-time homebuyer exception does not apply to qualified plan distributions, there's a penalty, but we have ...
  21. Secondary Market Annuity – SMA

    A secondary market annuity (SMA) is a transaction in which the present owner of an income annuity trades future income payments ...
  22. Defined-Benefit Plan

    A defined-benefit plan is an employer-sponsored retirement plan where benefits are calculated on factors such as salary history ...
  23. Modified Adjusted Gross Income - MAGI

    Modified adjusted gross income (MAGI) is the amount used to determine whether an individual qualifies for specific tax deductions ...
  24. When to apply for Social Security retirement benefits

    Understand when to apply for Social Security benefits and when you can expect to receive monthly payments based on age and ...
  25. 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 ...
  26. 3 Options for Millennials Saving for Retirement

    While retirement can seem far off for Millennials, now is the time to start saving. Here are some options.
  27. Calculating the Present and Future Value of Annuities

    Here's everything you need to account for when calculating the present and future value of annuities.
  28. Before You Make a Career Move, Consider This

    Consider these financial factors before you make a career move.
  29. The difference between a 401(a) and a 401(k)

    Learn about 401(k) plans and 401(a) plans, and discover the key differences between these two types of retirement plans, ...
  30. The difference between a 401(k) and a Roth IRA?

    A 401(k) and a Roth IRA differ primarily on tax treatment, investment options, employer involvement, and limitations on contributions ...
  31. Do I need an employer to set up a 401(k) plan?

    Happily, no. Even individuals can invest in their own personal 401(k) retirement plans.
  32. Vesting

    Vesting is a legal term that means to give or earn a right to a present or future payment, asset or benefit.
  33. Sometimes it pays to borrow from your 401(k)

    401(k) loans have been demonized, but they're often the most beneficial source of cash.
  34. How to set up a trust fund if you're not rich

    You don't need to be wealthy to create your own trust fund. Here's why and how to go about it.
  35. Designating A Trust As Retirement Beneficiary

    Designating a trust as your IRA beneficiary can be beneficial, but it requires proper planning to avoid problems.
  36. 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.
  37. How To Protect Your Retirement from Lawsuits

    Getting sued is one of those things that no one really plans on. Be proactive and make sure your hard-earned retirement is ...
  38. In-Service Withdrawal

    In-service withdrawals are allowed under some retirement plans while an employee still works for the employer sponsoring ...
  39. Defer Taxes with Nonqualified Deferred Compensation (NQDC) Plans

    Nonqualified deferred compensation plans can help highly compensated employees bolster their retirement plans.
  40. Retirement Savings Tools I: Employer Savings Plans

    There are a variety of employer savings plans that can offer multiple routes to saving for retirement.
  41. The Interest-Only Retirement: Can It Be Done?

    Spending investment interest in retirement can be a viable strategy, but it won't work for everyone.
  42. Passive Income

    A Passive income is earnings derived from a rental property, limited partnership or other enterprise in which a person is ...
  43. How to Use Your HSA for Retirement

    Thanks to its unique tax advantages, a Health Savings Account may be the best retirement option you never knew you had.
  44. Protect Your Cryptocurrency From the Tax Man

    Investors are banking on a big return on their cryptocurrency investments, but they can lose a lot to the federal government ...
  45. Utilization Fee

    Utilization fees are what lenders may charge borrowers, against large outstanding balances on the credit they use.
  46. 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 ...
  47. 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 ...
  48. How to use money from a profit-sharing plan for a house down payment

    Whether you can use your profit-sharing funds depends on constraints that may prevent you from withdrawing the money from ...
  49. 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 ...
  50. 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 ...
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