Roth IRAs

Workers should consider the next market downturn as an opportunity to invest in stocks that are "on sale."

Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets, according to a survey.

Most retirees said they adapted to their situation of having limited retirement income and they have had few regrets.

Owning a home can bring tax benefits, as well as equity that can be used to create an income stream, but in some cases a rental can be a better deal for retirees.

Owning a home can bring tax benefits, as well as equity that can be used to create an income stream, but in some cases a rental can be a better deal for retirees.

Some consumer advocates worry that this will negatively affect small businesses and middle- and low-income Americans.

The answer is in the investment details. If employers offer a match, contribute at least enough money to get it. Matches are 'free money' that give an instant return.

If an employer offers a match, employees should contribute at least enough money to get it.

Each pre-retiree couple is in a unique circumstance, and needs to account for their health and longevity, as well as their willingness and ability to work.

Not tapping tax-deferred retirement accounts until the age of 70 1/2 can be a wrong move, as required minimum distributions can be big enough to push retirees to a higher tax bracket.