How employers can help parents retire without derailing their own plan
The next generation can assist loved ones with applying for financial assistance, reducing expenses and developing a financial plan.
Portfolio construction
Is it ever a good idea to hold company stock in a 401(k)?
Heavily weighting any single stock has the potential to make a portfolio more volatile.
Can an annuity help sidestep Social Security taxes?
Although earnings in a deferred annuity will not be included in an investor's adjusted gross income, future withdrawals from the annuity could trigger a bigger tax bill.
Social Security proposal retains — and even enhances — benefits
It would raise enough new revenue to more than restore long-term balance of the program.
6 guidelines for a happy retirement
Want to have a fulfilling retirement? Employees are advised to set goals and have a bucket list of activities that will make them productive.
The $210 billion risk in your 401(k)
The wealth in retirement accounts could shrink by that much due to annual defaults on 401(k) loans. The projected loss is about 2.7% of the $7.8 trillion in retirement accounts.
Can bonds disrupt your retirement?
The "Rule of 100" follows the rule-of-thumb of growing more conservative as investors grow older, but it also may be obsolete since it was developed when interest rates were higher.
The pros and cons of a reverse mortgage
These loans can be a good option in some cases, but they're not a cheap way to borrow money so senior citizens with good credit may have cheaper alternatives.
Employees’ Social Security checks might be smaller than expected
Benefit are usually expected to replace about 40% of their pre-retirement income, but that's an average, so many workers will get even less. The question is: how much less?
‘How’s your 401(k) doing?’ is a good question to ask right now
Despite the recent market downturn, workers should remain invested in their employer-sponsored 401(k) plan.
5 key differences between Roth and traditional IRAs
Not knowing the differences between a traditional IRA and a Roth IRA could be costly for retirement savers.
Health savings account vs. 401(k), which is better for savers?
Tax-free withdrawals could outweigh an employer's match if early withdrawals are made for expenses like healthcare.
Retirement savers should ignore market forecasts
Retirees should stick to their strategies and diversify their portfolios with various sources of income.
