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According to a recent Cerulli study, more than half of retired 401(k) participants say Social Security is their primary source of income. At the same time, only 6% of millennials predict they will rely on those funds when they finish their careers.
The next few weeks will be critical as the COLA is determined on the average inflation rate in the third quarter — July, August and September — versus the average third-quarter inflation a year ago.
The latest survey from EBRI finds that employees are feeling better about their financial futures, but big challenges remain.
White Americans still have twice as much retirement wealth as savers of color, research shows.
Social Security is getting a 3.2% boost this month — but retirees' expenses have risen by more than triple that rate since last year.
Last year's cost of living adjustment was the largest in more than three decades.
As early as this summer, some seniors could see their benefits garnished to pay off old loans.
It's the biggest cost-of-living increase since 1981.
Some older Americans worry that if they return to work, they'll get less money from Social Security. In fact, the opposite is true — but advisers need to get the word out.
For a century, Americans were retiring younger and younger. Then, in the 1990s, the average retirement age started to shoot back up. What happened?
A new study says millennials should only expect 80% of their projected benefits, but there are ways to make up for the shortfall.
In a panel discussion, three financial advisers explained why the products are often misunderstood and how to assist clients in evaluating their policies.
Nearly 72% of Americans opted to stay the course and stick to their investment plan during the crisis, a survey found.
For one, clients will owe taxes still on the distributions, unless they recontribute the money into the account within three years.
By extending their working years, seniors can see an increase in their Social Security payouts.
Clients are advised to minimize spending and tap possible sources of cash and credit, including their tax refund.
“Find ways to generate income,” says one financial planner.
While some retirees have seen a substantial increase in spending, many others are enjoying financial freedom.
To ensure their investments stretch as long as they live, clients are advised to develop a sustainable withdrawal plan and consider annuities.
To start, these clients are advised to start saving as early and contribute enough to their 401(k)s to qualify for their employer's matching contribution.
