Retirement Investing & Saving

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  1. 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?

    The answer may vary depending on the plan provider and the provisions of the plan document.
  2. Valuation Period

    The valuation period is the time period during which value is determined for variable investment options.
  3. 10 Ways to Protect Your Social Security Number

    Identity theft thrives in part because people must give their Social Security number for so many types of interactions. How ...
  4. Guaranteed Minimum Accumulation Benefit - GMAB

    A guaranteed minimum accumulation benefit (GMAB) is a rider on a variable annuity.
  5. I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?

    Yes, there's a record.
  6. 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

    If you establish an account under the school's 403(b) plan, you may roll the Traditional IRA assets into it, but probably ...
  7. Is there a minimum I have to contribute to my 401(k) plan?

    Deciding how much to put into a 401(k) account can be tricky. There are guidelines to ensure you are investing what you need ...
  8. Benefits Of A SIMPLE IRA

    If you're at a small company, you may be offered a SIMPLE IRA retirement plan. Contribution limits are lower, but vesting ...
  9. HSA: The Premier Investment Account

    Millennials would be smart to take advantage of the everything a health savings account has to offer.
  10. Viager

    A viager is a real estate agreement where property is sold on a reverse annuity basis.
  11. Guaranteed Death Benefit

    A guaranteed death benefit guarantees that the beneficiary will receive a death benefit if the annuitant dies before the ...
  12. 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?

    Generally, divorce does not effectively change a beneficiary designation unless the divorce decree makes a stipulation to ...
  13. What happens to insurance policies and variable annuities if the insurance company itself goes bankrupt - do the policyholders get anything out of it?

    There are state guaranty associations and state-run funds that help pay the claims from policies if the insurance companies ...
  14. Filing Early for Social Security: When it Makes Sense

    Filing early for Social Security can make sense. Here's a list of when it's appropriate to ignore the conventional wisdom ...
  15. Enjoy Life Now and Still Save For Later

    Individuals can learn to balance these two often-conflicting aims – lifestyle and retirement goals – by using the following ...
  16. Pick 401(k) Assets Like A Pro

    The pros have already paved the way for you, in presenting investment options. It's your job to come with an asset allocation ...
  17. If a company undergoes an acquisition can an employee withdraw 401(k) funds tax free?

    Although the participant may be eligible to withdraw the funds, this does not mean that the 10% early-withdrawal penalty ...
  18. Can a person who is retired continue to fund an IRA?

    You must have earned the income or received it as alimony for it to be considered compensation for the purposes of contributing ...
  19. Traditional IRA

    An individual retirement account allows individuals to direct pretax income, up to specific annual limits, toward investments ...
  20. Managing Varied Generations In The Workplace

    With today's workforce made up of many different generations, here are some ways employers can help different generations ...
  21. Can creditors garnish my IRA?

    Find out how your IRA can be garnished by creditors, including how federal and state regulations differ and what exemptions ...
  22. 3 Financial Torpedoes That May Sink Your Retirement Plans

    Planning for retirement cannot just include what you expect your everyday expenses to be, it also has to take into account ...
  23. The Seasons Of An Investor's Life

    From a tentative spring to a comfortable winter, learn how to weather the phases of your investing journey.
  24. Accumulation Period

    An accumulation period is the phase in an investor's life when they build up their savings and investment portfolio to save ...
  25. How to Become a Retirement Super Saver

    Accelerating your retirement savings may mean trimming other areas of your financial life.
  26. Should a Canadian citizen who lives and works in the U.S. continue to contribute to a RRSP account?

    No; since your income is not from a Canadian source, you would not be eligible for any tax deductions on your Canada tax ...
  27. I am in my mid thirties and have nothing invested for retirement. Is it too late to start contributing for a retirement plan?

    It is never too late to start saving for retirement. Even starting at age 35 means you will have more than 30 years to save.
  28. 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?

    Yes, if the transaction is processed as a direct rollover to the SEP IRA, then no taxes will be withheld.
  29. Premium Income

    Premium income refers to money that an options trader receives for writing a contract or to an insurance provider's revenues ...
  30. 401(k) Rollover: Pick Roth IRA or Traditional IRA

    Here are the pros and cons of choosing a Roth IRA and a traditional IRA, when rolling over your 401(k).
  31. Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial institution without a tax penalty?

    Learn about the taxes and penalties associated with withdrawing money from a Roth IRA and how transferring the balance can ...
  32. Are there tax penalties for closing my IRA account?

    Whether there are penalties depends on the type of IRA you have, and what you do with the funds.
  33. Why is my 401(k) not FDIC-insured?

    Learn about the Federal Deposit Insurance Corporation (FDIC) and whether its protection extends to 401(k) accounts or just ...
  34. Should retirees reinvest their dividends?

    Find out why dividend reinvestment may or may not be the right choice for retirees, depending on their financial needs in ...
  35. How to Know What You Can Spend in Retirement

    Learn how pre-retirees can feel confident about receiving their last paycheck.
  36. Accumulation Unit

    An accumulation unit is 1) the value invested in a variable annuity account or 2) an investment where a unit trust’s income ...
  37. Goal-Based Investing

    Goal-based investing is a relatively new approach to wealth management that emphasizes investing with the objective of attaining ...
  38. What will happen to my SEP IRA if I leave my current employer?

    Because the funding vehicle for the SEP is a Traditional IRA, the same rules that apply to a Traditional IRA also apply to ...
  39. Can a spouse who is not named as a beneficiary receive assets from an IRA?

    Generally no: The designation of beneficiary form dictates who receives the assets – unless the named beneficiaries choose ...
  40. Can the non-spouse beneficiary of an IRA name a successor beneficiary?

    Whether an Individual Retirement Account beneficiary can name a successor beneficiary is determined by the provisions of ...
  41. 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?

    If the IRA owner dies after the required beginning date (RBD) and his/her beneficiary is his/her spouse, the spouse beneficiary ...
  42. 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

    Only your eligibility to deduct contributions will be affected. You may still make a nondeductible contribution up to the ...
  43. I'm worried about the economy and want to move my IRA funds from stocks and bonds to cash. Will I taxed for this?

    If you transfer funds from stocks and bonds to cash, the movement will not be taxable.
  44. 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 ...
  45. 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 ...
  46. Can I roll a traditional IRA into a 529 college account for my grandchild?

    Not without paying taxes. The IRS considers moving money from your IRA to a 529 plan as a distribution included in your taxable ...
  47. 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.

    No penalties are incurred, but the amounts you withdraw will be treated as ordinary income (for you) and may be subject to ...
  48. Stop Paying High Workplace Retirement Plan Fees

    Don't pay more in fees for your company-sponsored retirement plan than you have to.
  49. How to Replace Your Paycheck When You Retire

    There are several choices that need to made when managing income from your retirement savings.
  50. An Uncommon After-Tax 401(K) Contribution Strategy

    Converting after-tax 401(k) contributions to a Roth IRA can be a great tax-advantaged way to save for retirement.
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