How to protect a retirement plan in a down market
Elderly workers should make sure they have enough fixed-income in their retirement portfolios to spin off cash to cover the gap between income and expenses until the market recovers.
Roth 401(k)
Benefits Think Why employers should help employees understand the benefits of Roth 401(k)s
As a retirement planning tool, contributions to these accounts can offer plan participants a more nuanced approach to retirement saving than a traditional 401(k) plan can on its own.
Kerry Bandow
Willis Towers Watson
A little-known 401(k) trick can open the floodgates to Roth IRA savings
A Roth IRA is a good savings vehicle for workers who expect to move to a higher tax bracket in retirement.
Benefits Think Why employers should help employees understand the benefits of Roth 401(k)s
As a retirement planning tool, contributions to these accounts can offer plan participants a more nuanced approach to retirement saving than a traditional 401(k) plan can on its own.
Kerry Bandow
Willis Towers Watson
9 ways 401(k) investors can profit from an aging bull market
In a bull market's later stages, some types of investments work better than others. Find out which ones they are.
More employers are offering Roth 401(k)s
More workers are gaining access to a Roth 401(k), and employees should take advantage of it.
Will working longer increase workers’ Social Security benefits?
Working longer and delaying Social Security could result in a bigger retirement benefit.
3 bad reasons workers don’t fund IRAs
Only less than one-third of workers polled by TIAA claimed that they are contributing to an IRA
Do Social Security rules change by state?
Employees should consider that state laws may differ on who may be legally recognized as a beneficiary's spouse and thus whether their partner would be entitled to spousal benefits.
Breaking down retirement provisions in the tax reform bill
Employers are relieved that plans are left unscathed, but insiders are still keeping a sharp eye on the impact of deduction for pass-through entities.
This GOP tax plan provision could be ‘catastrophic’ for seniors
The tax plan would make itemized deductions less valuable so some retirees would lose a deduction that covers payments for nursing homes, assisted living or inpatient hospital care.
Roth 401(k) plans not fully appreciated by many workers
The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."
Roth 401(k) plans not fully appreciated by many clients
The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."
Good and bad news about America’s retirement accounts
While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, experts say.
Good news and bad news about America’s retirement accounts
While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, says an expert.
Advocates fear Trump tax plan may ‘Rothify’ 401(k) plans
Some consumer advocates worry that this will negatively affect small businesses and middle- and low-income Americans.
Why workers may want to contribute to their child’s retirement
Recent graduates tend to be in a low tax bracket early in their careers when it pays for them to save as much as they can in a Roth IRA or Roth 401(k), writes an industry expert.
Why clients may want to contribute to their child’s retirement
Recent graduates tend to be in a low tax bracket early in their careers when it pays for them to save as much as they can in a Roth IRA or Roth 401(k), writes an industry expert.
Making retirement lemonade from health insurance lemons
The total out-of-pocket health care expenses of a 65-year-old couple in retirement could exceed $320,000, plus 5% annual increases.
Making retirement lemonade from health insurance lemons
The total out-of-pocket health care expenses of a 65-year-old couple in retirement could exceed $320,000, plus 5% annual increases.
