IRAs

A typically "balanced" portfolio (with 60% in stocks and 40% in bonds) yielded a return of 4% or more just 66% of the time.

A typically "balanced" portfolio (with 60% in stocks and 40% in bonds) yielded a return of 4% or more just 66% of the time.

As many as 30% of accounts are either abandoned or lost because many providers can no longer locate the account holders.

As many as 30% of accounts are either abandoned or lost because many providers can no longer locate the account holders.

Investing in more bonds for a short period is a good strategy for retirement savers to curb the sequence of return risk.

Investing in more bonds for a short period is a good strategy for retirement savers to curb the sequence of return risk.

Aimed at people who don’t have access to a 401(k) at work, this government IRA helps new and low-income workers save for their golden years.

High front-end fees, complex payouts and a lack of dividend income are among the reasons.

High front-end fees, complex payouts and a lack of dividend income are among the reasons.

Now may be the best time for retirees to make charitable donations, do a Roth conversion, and incur more qualified medical expenses to meet the threshold and qualify for a tax deduction.