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.
Portfolio management
4 critical questions to ask during a market downturn
Clients can often retire smoothly even during a downturn if they diversify and rebalance their portfolios properly, as well as pay off debts and maximize their Social Security benefits.
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.
How the tax overhaul expands 529 benefits
The law allows clients the ability to make tax-free withdrawals for elementary and secondary school expenses.
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.
What if the retirement crisis has been exaggerated?
Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets, according to a survey.
What if the retirement crisis has been exaggerated?
Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets.
Common tax surprises for surviving spouses
Surviving spouses will either receive their own Social Security benefit or the survivor's benefit, whichever is higher. But they also may get pushed to a higher tax bracket, which. in turn, could mean higher taxes on Social Security benefits.
Rent or own in retirement?
Owning a home brings benefits for retirees, but so does renting. One example: renting puts a limit on housing costs, one of the biggest expenses for retirees.
Why we need a new type of 401(k)
Many Americans are facing bleak retirement prospects as a result of the current do-it-yourself retirement system.
Health savings accounts may flourish under Trump
Trump has proposed making it easier to pass on HSAs to heirs, while some House Republicans want to nearly double contribution limits.
Health savings accounts may flourish under Trump
Trump has proposed making it easier to pass on HSAs to heirs, while some House Republicans want to nearly double contribution limits.
