Retirement

  • Ready to Retire? Better Ask Yourself These 3 Questions First Money - Thu, Feb 23, 2017 12:00 AM NZDT
    Ready to Retire? Better Ask Yourself These 3 Questions First

    Avoid painful surprises.

  • Two-Thirds of Americans Aren’t Putting Money in Their 401(k) Bloomberg - Tue, Feb 21, 2017 10:00 PM NZDT
    Two-Thirds of Americans Aren’t Putting Money in Their 401(k)

    A dark, detailed new look at why many employees may never be able to retire.

  • States Move Ahead With Retirement Savings Plans, Despite Congressional Pushback The Wall Street Journal - Fri, Feb 17, 2017 4:56 PM NZDT

    The House of Representatives voted to scrap Obama-era regulations encouraging states to set up retirement savings plans for private-sector workers, but some states developing such programs plan to move ahead anyway. “If the Senate votes like the House, Illinois is still going to go forward,” said Illinois Treasurer Michael Frerichs after the House vote on Wednesday.

  • Your 8-Step Checklist for Retiring Abroad U.S.News & World Report - Fri, Feb 17, 2017 5:07 AM NZDT
    Your 8-Step Checklist for Retiring Abroad

    Not everyone wants to spend their retirement in a recreational vehicle or in Florida. Whether it's for financial or lifestyle considerations, living overseas can be an appealing proposition for retirees. Greg Ghodsi, managing director of investments at 360 Wealth Management Group of Raymond James in Tampa, Florida, says his clients often choose to move to a location where they have been vacationing for years.

  • People Trying to Save Prefer Accounts That Are Hard to Tap The Wall Street Journal - Mon, Feb 13, 2017 4:08 PM NZDT

    Imagine this scenario: Somebody offers you $5,000 to save for a future financial goal,such as a vacation or home purchase. You can allocate the money across three accounts, all with the same interest rate. ...

  • U.S. court upholds Obama-era retirement advice rule Reuters - Thu, Feb 9, 2017 2:18 PM NZDT

    A U.S. federal judge on Wednesday upheld an Obama-era rule designed to avoid conflicts of interests when brokers give retirement advice, in a possible setback for President Donald Trump's efforts to scale back government regulation. The stinging 81-page ruling comes just days after Trump ordered the Labor Department to review the "fiduciary" rule - a move widely interpreted as an effort to delay or kill the regulation. The decision by Chief Judge Barbara Lynn for the U.S. District Court for the Northern District of Texas is a stunning defeat for the business and financial services industry groups that had sought to overturn it.

  • Everything You Need to Know About Required 401(k) and IRA Withdrawals The Wall Street Journal - Mon, Feb 6, 2017 4:12 PM NZDT
    Everything You Need to Know About Required 401(k) and IRA Withdrawals

    It refers to an annual payout that savers must take from their retirement kitty at a certain point, as required by law. The first of the boomers (people born mid-1946 through 1964) are just now hitting the age of 70½, when most will be required to pull money out of their 401(k)s and IRAs, but there are a dizzying array of exceptions and deadlines regarding these payouts. Here are questions savers are asking about withdrawal requirements, with answers that draw on the expertise of Ms. Choate and another IRA specialist, CPA Ed Slott of Rockville Centre, N.Y.

  • You’re Killing It With Your 401(k) Bloomberg - Fri, Feb 3, 2017 7:22 AM NZDT
    You’re Killing It With Your 401(k)

    The average balance in Fidelity’s survey is a record $92,500. For workers with the same employer for 10 years, it’s a quarter-million dollars.

  • COLUMN-The facts about Social Security, Medicare may surprise you Reuters - Fri, Feb 3, 2017 1:01 AM NZDT
    COLUMN-The facts about Social Security, Medicare may surprise you

    The annual policy research conference of the National Academy of Social Insurance (NASI) focused on the group's new report to the Donald Trump administration and Congress on the future of all our social insurance programs - those that cover retirement, but also those that protect the disabled, jobless, impoverished poverty and frail. NASI is a consortium of many of the nation's top social insurance researchers.

  • These Countries Are Struggling the Most to Support Their Retirees Bloomberg - Wed, Feb 1, 2017 6:01 PM NZDT
    These Countries Are Struggling the Most to Support Their Retirees

    The world’s working-age population is shrinking faster than expected, leaving fewer people to support a growing number of seniors, according to the Bloomberg Sunset Index.

  • Dow 20000: Time to Get In, or Time to Sell? The Wall Street Journal - Fri, Jan 27, 2017 2:08 AM NZDT

    With the Dow Jones Industrial Average crossing 20000, many investors are asking: Should I take money off the table? Is it too late to get in? How much farther can stocks rise? The first is his or her ease with taking the chance of losing money for “greater potential returns,” says Tyler Nunnally, U.S. strategist at FinaMetrica Ltd, a firm that sells a risk-tolerance measurement tool for $45.

  • The Retirement Risk That No One Wants to Talk About Money - Wed, Jan 25, 2017 12:00 AM NZDT
    The Retirement Risk That No One Wants to Talk About

    You could be a hazard to your own financial well-being.

  • IRA, 401(k), 529: What's the Best Tax-Sheltered Account Type for You? Morningstar - Tue, Jan 24, 2017 7:00 PM NZDT

    Getting the skinny on tax treatment, withdrawals, and permissible investments can help you choose wisely.

  • If You’re Behind on Retirement Savings, Here’s How to Catch Up The Wall Street Journal - Sat, Jan 21, 2017 4:06 AM NZDT
    If You’re Behind on Retirement Savings, Here’s How to Catch Up

    No matter how big your retirement-savings shortfall, all is not lost. Tax-advantaged savings accounts offer some of the most attractive ways to play catch-up, experts say, and yet many savings laggards don’t fully employ them. With an individual retirement account, the annual contribution limit rises to $6,500 from $5,500, giving latecomers an extra $1,000 in tax-advantaged savings.

  • How much money should I have saved by 30? Bankrate.com - Wed, Jan 18, 2017 11:00 PM NZDT
    How much money should I have saved by 30?

    The problem is, it's difficult to account for personal factors such as health, life expectancy or retirement lifestyle in the future. It also might seem daunting to determine for people who don't understand how compound investment returns and tax-advantaged retirement savings accounts can help even small savings grow significantly over time. Rather than confront a seemingly impossible savings goal, working through retirement is many people's solution.

  • Got a 401(k)? Here Are 2 Changes You Need to Understand Money Talks News - Wed, Jan 18, 2017 8:59 PM NZDT

    The employee contribution limits for 401(k) plans and individual retirement accounts will stay the same this year as in 2016 — $18,000 for workers under 50 and $24,000 for those 50 and older. The saver’s credit is worth between 10 and 50 percent of 401(k) contributions up to $2,000 (individuals) or $4,000 (couple). The income limit for heads of household will be $46,500 this year, a change from $46,125 last year.

  • 5 New Ways Your 401(k) Will Make You Richer by Retirement Money - Wed, Jan 18, 2017 12:00 AM NZDT
    5 New Ways Your 401(k) Will Make You Richer by Retirement

    Here's how to max out your savings now.

  • Social Security Checks Are Being Reduced for Unpaid Student Debt The Wall Street Journal - Wed, Dec 21, 2016 1:13 PM NZDT

    The federal government is increasingly taking money out of Americans’ Social Security checks to recover millions in unpaid student debt, a trend set to accelerate as more baby boomers retire. The government has collected about $1.1 billion from Social Security recipients of all ages to go toward unpaid student loans since 2001, including $171 million last year, the Government Accountability Office said Tuesday. The report highlights the sharp growth in baby boomers entering retirement with student debt, most of it borrowed years ago to cover their own educations but some used to pay for their children’s schooling.

  • Republican looks to overhaul Social Security Associated Press - Wed, Dec 14, 2016 6:30 AM NZDT
    Republican looks to overhaul Social Security

    WASHINGTON (AP) — A senior Republican lawmaker wants to overhaul Social Security, the decades-old program that provides benefits to some 60 million retirees and disabled, with a plan to gradually increase the retirement age and slow the growth of benefits for higher-income workers.

  • The Best Ways to Avoid Boredom in Retirement The Wall Street Journal - Mon, Dec 12, 2016 4:43 PM NZDT
    The Best Ways to Avoid Boredom in Retirement

    Why do some people get bored in retirement and others don’t? Is there a secret? Good question. Let me start by describing what many Americans do in their first year in retirement, give or take a few months. ...

  • GOP introduces plan to massively cut Social Security Yahoo Finance - Sat, Dec 10, 2016 11:22 AM NZDT
    GOP introduces plan to massively cut Social Security

    On Thursday, Rep. Sam Johnson, a Republican from Texas and chair of the Social Security subcommittee, introduced legislation to significantly cut Social Security. For most workers, the bill would cut Social Security benefits substantially. As Michael Linden, associate director for tax and budget policy at Center for American Progress, pointed out on Twitter, a letter from Social Security’s Office of the Actuary calculated workers making around $50,000 would see checks shrink by between 11% and 35%.

  • Possible Retirement Policy Changes in a Trump Administration Morningstar - Tue, Dec 6, 2016 7:00 PM NZDT

    Contributor Mark Miller takes a look at retirement-related issues that could see action in Washington in the coming year.

  • Richest Americans live seven to 10 years longer than poorest Reuters - Tue, Dec 6, 2016 4:40 AM NZDT
    Richest Americans live seven to 10 years longer than poorest

    By Ronnie Cohen (Reuters Health) - Poverty cuts an average of almost 10 years off American men’s lives and seven off women’s, a new study shows. Then they examined longevity, smoking, obesity, childhood poverty and other health information from the richest and poorest places. Men in the poorest spots died on average nearly 10 years earlier, at 69 years old, than men in the wealthiest ones, and women in the poorest places died on average seven years sooner, at 76 years old, the research team reports in the American Journal of Public Health.

  • The New Retirement-Advice Rule: Where Things Stand The Wall Street Journal - Mon, Dec 5, 2016 5:28 PM NZDT
    The New Retirement-Advice Rule: Where Things Stand

    A new rule that proponents say will protect retirement savers from conflicted advice and inflated fees is looking more likely to be delayed or repealed in the coming months in the wake of Donald Trump’s victory in the presidential election. The Labor Department’s so-called fiduciary rule, set to take effect April 10, 2017, requires brokers and others who give retirement advice to act in clients’ best interests. Previous rules required that brokers’ advice merely had to be “suitable” for a retirement investor.

  • 5 things to do by New Year's Eve to lower your tax bill Yahoo Finance - Fri, Dec 2, 2016 7:56 AM NZDT
    5 things to do by New Year's Eve to lower your tax bill

    Charitable donations are an easy way to get a tax deduction, and the most obvious way to make a donation is to write a check. According to the IRS, a donor claiming a deduction of $250 or more is required to obtain and keep a written acknowledgment for a charitable contribution, so be sure to get a donation receipt. Your tax bracket depends on your income.

  • 10 Things You Need to Know About Medicare U.S.News & World Report - Wed, Nov 16, 2016 4:43 AM NZDT
    10 Things You Need to Know About Medicare

    Here's how to make the most of your Medicare benefit. Hospital care is covered by Medicare Part A. Medicare Part B is medical insurance that covers doctor's visits and outpatient services. Medicare Advantage Plans or Medicare Part C are an alternative to traditional Medicare offered by private insurance companies, typically with different premiums and restrictions.

  • 6 Ways to Stretch Your Retirement Income Credit.com - Tue, Nov 15, 2016 1:00 AM NZDT
    6 Ways to Stretch Your Retirement Income

    No matter what phase in life you're at, you may want to consider the following cost-cutting measures to help you stretch your retirement income.

  • Trump presidency throws retirement advice rule into question Reuters - Thu, Nov 10, 2016 7:03 AM NZDT
    Trump presidency throws retirement advice rule into question

    Republican Donald Trump's victory in the U.S. presidential race puts a new rule on retirement advice in limbo, even after Wall Street's biggest wealth management firms have spent millions preparing for it, lawyers and analysts said on Wednesday. The U.S. Department of Labor fiduciary rule, which is set to start taking effect in April, is meant to promote the best interests of retirement savers by eliminating conflicts of interest for brokers. The financial services industry has tried to stop the rule in the courts, arguing that the Labor Department overreached and that the rule would result in high costs that will ultimately make small accounts unprofitable.

  • 10 Social Security Rules Everyone Should Know U.S.News & World Report - Tue, Nov 8, 2016 6:06 AM NZDT
    10 Social Security Rules Everyone Should Know

    How much you earn and your age when you sign up play a big role in how much you will receive from Social Security. Workers who familiarize themselves with the Social Security rules will be better able to maximize their payments. Pay close attention to these aspects of the program when making Social Security decisions.

  • How Retirement Benefits Will Change in 2017 U.S.News & World Report - Tue, Nov 8, 2016 1:00 AM NZDT

    Financial advisors managing 401(k)s and individual retirement accounts will be required to act in the best interest of their clients beginning in April 2017. There will also be several small tweaks in the rules regarding who qualifies for tax breaks for saving in retirement accounts. Here's a look at some of the important ways retirement benefits will change next year.

  • The One Portfolio Move to Make Before Year-End Morningstar - Mon, Nov 7, 2016 7:00 PM NZDT
    The One Portfolio Move to Make Before Year-End

    This simple maneuver can de-risk your portfolio, create in-retirement cash flows, improve your tax position, and more.

  • IRA and 401(k) Contribution Limits to Remain the Same in 2017 Money - Fri, Oct 28, 2016 6:48 AM NZDT
    IRA and 401(k) Contribution Limits to Remain the Same in 2017

    It's $5,500 for IRAs and $18,000 for 401(k) for workers younger than 50.

  • Is it possible to retire in your 30s or 40s? Bankrate.com - Tue, Oct 18, 2016 11:00 PM NZDT
    Is it possible to retire in your 30s or 40s?

    Retiring super early can be a downright dangerous idea, says Mike Lynch, vice president of strategic markets at Hartford Funds. "If you stop funding your retirement and start using it 30 years ahead of schedule," says Lynch, "it is therefore unlikely that you will receive Social Security benefits.

  • When the 4% Rule Fails Morningstar - Tue, Oct 18, 2016 6:00 PM NZDT

    The future could be a lot less happy than the past.

  • 7 Things You Can Do With a My Social Security Account U.S.News & World Report - Tue, Oct 18, 2016 3:10 AM NZDT
    7 Things You Can Do With a My Social Security Account

    A my Social Security account allows you to review your contributions to the Social Security program. You can also get a personalized estimate of how much you will receive if you claim Social Security at various ages. Periodically reviewing your Social Security statement allows you to make sure your earnings are recorded correctly and to factor the likely payout into your retirement plans.

  • What Your Family Needs to Know About Your IRA Distributions Credit.com - Tue, Oct 18, 2016 1:30 AM NZDT
    What Your Family Needs to Know About Your IRA Distributions

    Here's what your family needs to know about your IRA distribution, should you pass away. 

  • Retiring next year? 8 money moves to make now Bankrate.com - Mon, Oct 17, 2016 11:00 PM NZDT
    Retiring next year? 8 money moves to make now

    As life transitions go, retirement ranks way up there among the most challenging, both financially and emotionally. After a lifetime of work, you may have mixed emotions about retirement -- looking forward to not working but nervous about leaving your work identity behind. Because retirement can be so stressful, Jeff Vollmer, a financial adviser with Hyde Park Wealth Management in Cincinnati, advises clients to begin planning 5 years in advance.

  • When It Comes to Retirement Distributions, 401(k)s Lack Valuable Flexibility Morningstar - Mon, Oct 17, 2016 6:00 PM NZDT
    When It Comes to Retirement Distributions, 401(k)s Lack Valuable Flexibility

    'Pro rata' rules mean that taking installment payments from a 401(k) could lead to suboptimal results.

  • 10 Most Tax-Friendly States for Retirees 2016 Kiplinger - Fri, Oct 14, 2016 3:11 AM NZDT
    10 Most Tax-Friendly States for Retirees 2016

    iStock Retirees have special concerns when evaluating state tax policies. For instance, the mortgage might be paid off, but how bad are the property taxes - and how generous are the property tax breaks ...

  • Retirees, It's Okay to Spend Kiplinger - Thu, Oct 13, 2016 4:16 AM NZDT
    Retirees, It's Okay to Spend

    Most retirees of moderate means, as well as those who are affluent, don't even spend all of their income, much less draw down the principal in their nest egg.

  • 7 Tips to Live Well on Social Security Alone U.S.News & World Report - Thu, Oct 13, 2016 12:00 AM NZDT
    7 Tips to Live Well on Social Security Alone

    If Social Security is going to be your only or a major source of retirement income, it's particularly important to maximize your monthly payments. Here's how to make sure your Social Security payments will cover your retirement expenses. Housing is likely to be one of your largest expenses in retirement.

  • 10 Places to Retire on a Social Security Budget U.S.News & World Report - Thu, Oct 13, 2016 12:00 AM NZDT
    10 Places to Retire on a Social Security Budget

    The average monthly Social Security payment was $1,341 in January 2016. The analysis also factored in crime rates, access to health care and recreation opportunities. Consider these places where two Social Security checks are likely to pay for basic retirement costs.

  • 3 Ways to Get the Most Out of a Longer, Healthier Retirement Money - Wed, Oct 12, 2016 11:00 PM NZDT
    3 Ways to Get the Most Out of a Longer, Healthier Retirement

    Think about your money and your lifestyle.

  • New IRA rules close loopholes for account owners Bankrate.com - Thu, Oct 6, 2016 11:00 PM NZDT
    New IRA rules close loopholes for account owners

    IRA owners beware: Two recent rules on retirement accounts could throw your planning into disarray. One rule came out of tax court: IRA owners are limited to one 60-day rollover between IRAs in a 12-month period across all of their IRA accounts. The Supreme Court handed down the second rule.

  • Spooked About a Low-Return Environment? Don't Make These Mistakes Morningstar - Thu, Oct 6, 2016 6:00 PM NZDT

    Low return forecasts aren't a reason to skip investing, but they do have an impact on saving and withdrawal rates and asset allocation.

  • What Retirement Savings Rate Should Millennials Shoot For? Money - Wed, Oct 5, 2016 11:00 PM NZDT
    What Retirement Savings Rate Should Millennials Shoot For?

    Is it really 22% of pay?

  • This couple retired at 31 to travel around the world feed_manager_auto_publish_494--autopubtest_WPTUMBLR_485 - Wed, Oct 5, 2016 5:06 AM NZDT
    This couple retired at 31 to travel around the world

    It sounds impossible, but it’s a reality for Kristy Shen and Bryce Leung, a Canadian couple who retired at 31 and are traveling around the world. Shen and Leung, now 33, both worked as computer engineers making about $60,000-$70,000 annually. There were a lot of games,” Shen told Yahoo Finance.

  • It’s Never Been More Expensive to Use an ATM Money - Wed, Oct 5, 2016 3:00 AM NZDT
    It’s Never Been More Expensive to Use an ATM

    Fees hit record high for 10th consecutive year.

  • Why Your 2017 Medicare Premiums Could Jump 20% Money - Tue, Oct 4, 2016 11:00 PM NZDT
    Why Your 2017 Medicare Premiums Could Jump 20%

    People delaying Social Security, watch out.

  • 11 Tips for the Sandwich Generation: Paying for College and Retirement U.S.News & World Report - Tue, Oct 4, 2016 5:17 AM NZDT
    11 Tips for the Sandwich Generation: Paying for College and Retirement

    If you're part of the sandwich generation, you're taking care of your child and have an aging parent. If one or both need financial support, it can be pretty tough to save for your retirement. The dilemma is quite common, since nearly half (47 percent) of adults in their 40s and 50s have a parent age 65 or older living in their home and are either raising a young child or financially supporting a grown child (age 18 or older), according to the Pew Research Center.

  • 6 Big-League Mistakes of the Newly Retired U.S.News & World Report - Sat, Oct 1, 2016 5:54 AM NZDT
    6 Big-League Mistakes of the Newly Retired

    For about two years now, a class-action lawsuit has been ongoing in court, with minor league baseball players trying to get back pay based on federal and state minimum wage and overtime laws. Casto points out that a number of things might happen in your life.

  • A Retirement Crisis? There Are Actually Three, Says Vanguard Founder Jack Bogle Money - Fri, Sep 30, 2016 11:30 PM NZDT
    A Retirement Crisis? There Are Actually Three, Says Vanguard Founder Jack Bogle

    The man doesn't pull punches.

  • Are You Being Realistic About Your Retirement Prospects? Do This Reality Check Money - Thu, Sep 29, 2016 11:30 PM NZDT
    Are You Being Realistic About Your Retirement Prospects? Do This Reality Check

    Nearly 60% of those polled for TIAA’s recently released 2016 Lifetime Income Survey said they’re confident they’ll be able to turn their savings into income that can support them in retirement. Unfortunately, fewer than half of the people surveyed know how much they have in those accounts or have tried to assess how much retirement income their savings can actually generate. Here are three key questions you should ask yourself to ensure your planning reflects a realistic assessment of your retirement prospects.

  • Is it possible to retire in your 30s or 40s? Bankrate.com - Wed, Sep 28, 2016 11:00 PM NZDT
    Is it possible to retire in your 30s or 40s?

    Retiring super early can be a downright dangerous idea, says Mike Lynch, vice president of strategic markets at Hartford Funds. "If you stop funding your retirement and start using it 30 years ahead of schedule," says Lynch, "it is therefore unlikely that you will receive Social Security benefits.

  • How to Save for Retirement on Less Than $40,000 Per Year U.S.News & World Report - Tue, Sep 27, 2016 3:30 AM NZDT

    Saving for retirement is especially difficult when you earn a small salary. Here's how to begin building wealth for retirement when you have a modest income. Find out how much you need to save to get the maximum possible 401(k) match, and then make every effort to deposit that amount in your retirement account.

  • 7 Retirement-Portfolio Withdrawal Mistakes to Avoid Morningstar - Wed, Sep 21, 2016 5:00 PM NZST

    Asset allocation, time horizons, and taxes can complicate withdrawal-rate planning.

  • 7 Steps to Estimating Your In-Retirement Cash-Flow Needs Morningstar - Wed, Sep 21, 2016 5:00 PM NZST
    7 Steps to Estimating Your In-Retirement Cash-Flow Needs

    Note: This article is part of Morningstar’s September 2016 Retirement Matters Week special report. While retirees are often counseled to estimate that they’ll spend 75% to 80% of their working incomes in retirement, a paper by Morningstar’s head of retirement research, David Blanchett, demonstrated that there can be huge variations in income-replacement rates among retirees–with factors such as pre-retirement income and savings rates serving as key swing factors. Based on Blanchett’s findings, higher-income, higher-saving households may well need just 60% (or even less) of their pre-retirement income during retirement, while lower-earning, lower-saving households may need closer to 90%.

  • Pros and Cons of Income-Generating Strategies in Retirement Morningstar - Wed, Sep 21, 2016 5:00 PM NZST

    Living off of current yields is just one way to extract the cash flow you need.

  • Don't Fall for These Common Social Security Myths Kiplinger - Wed, Sep 21, 2016 6:32 AM NZST
    Don't Fall for These Common Social Security Myths

    The complexity of the system, its evolution and a shift in demographics that threatens its solvency have created confusion over what Social Security can and will deliver . Social Security benefits are primarily based on two variables: your highest earnings over 35 years and your age when you file for benefits. The maximum benefit for someone retiring at full retirement age (66 for people born in 1943 through 1954) in 2016 is $2,639 a month.

  • 19 Moves That Will Help You Retire Early and in Style Money Talks News - Mon, Sep 19, 2016 9:14 PM NZST

    For many people, retirement — never mind early retirement — seems out of reach. Social Security alone isn’t enough to have you living the good life during your golden years, and as we’ll discuss later, you’ll want to put off taking that money as long as you can. Once your rainy-day fund is full, put that 10 percent you’re not spending into a dedicated retirement fund.

  • The Bucket Approach to Retirement Allocation Morningstar - Mon, Sep 19, 2016 5:00 PM NZST
    The Bucket Approach to Retirement Allocation

    The average interest rate on a six-month certificate of deposit was 9.1% in 1970 and 13.4% in 1980. But two decades worth of declining interest rates have dragged yields way down, dramatically compounding the challenge for retirees. The bucket approach to retirement-portfolio management, pioneered by financial-planning guru Harold Evensky, aims to meet those challenges, effectively helping retirees create a paycheck from their investment assets.

  • Are You Social Security Savvy? U.S.News & World Report - Sat, Sep 17, 2016 6:45 AM NZST
    Are You Social Security Savvy?

    There is no denying Social Security is complex. Find out if you are Social Security savvy by seeing if you can answer these questions correctly. Seniors applying at 62 get money sooner, but receive 25 percent smaller payments than they would receive at full retirement age.

  • 5 Medicare Tips for New Retirees Money - Fri, Sep 16, 2016 10:00 PM NZST
    5 Medicare Tips for New Retirees

    Switching from employer health coverage can be tricky.

  • The Right—and Wrong—Investing Risks in Retirement Money - Thu, Sep 15, 2016 10:00 PM NZST
    The Right—and Wrong—Investing Risks in Retirement

    Retirees can hobble their portfolios by reaching for extra income. Here's a better strategy.

  • How to Save For Retirement While Paying for a Child's College U.S.News & World Report - Thu, Sep 15, 2016 1:41 AM NZST

    The typical investor has two long-term goals: retirement and kids' college expenses. "Retirement savings needs to outweigh college savings," says David Hryck, a tax attorney and personal finance expert with the Reed Smith law firm in New York. "The biggest issue is the fact that you can borrow for college, whereas you can't borrow for retirement," says Oscar Vives Ortiz, a planner with First Home Investment Services in Tampa Bay/St. Petersburg.

  • How to Get the Most From Your 401K Credit.com - Thu, Sep 15, 2016 1:00 AM NZST
    How to Get the Most From Your 401K

    Here are some steps that can help you build and maximize your 401K.

  • How to Prevent Forced Retirement From Ruining Your Golden Years Money - Wed, Sep 14, 2016 10:00 PM NZST
    How to Prevent Forced Retirement From Ruining Your Golden Years

    Involuntary retirement—or the possibility that you may be forced to exit the workforce sooner than you wanted—is a more common problem than you may think, and one that can wreak significant havoc with your post-career lifestyle. Some 46% of retirees polled for the Employee Benefit Research Institute’s 2016 Retirement Confidence Survey said they left their jobs before they had planned, usually because of a health issue or company downsizing or restructuring. One practical and effective way to minimize the effect of having to retire prematurely is to make a concerted effort to boost the size of your nest egg while you’re still working.

  • Why Your Personal Savings Rate Matters Money - Wed, Sep 14, 2016 8:28 AM NZST
    Why Your Personal Savings Rate Matters

    Plus: 6 ways to make it higher.

  • How to Double Your Nest Egg for Retirement Money - Wed, Sep 14, 2016 4:42 AM NZST
    How to Double Your Nest Egg for Retirement

    Consistent users of 401(k)s amass twice the wealth of others, a study suggests.

  • A One-Stop In-Retirement Portfolio-Maintenance Regimen Morningstar - Mon, Sep 12, 2016 5:00 PM NZST

    The following six steps tie together portfolio maintenance and rebalancing, RMDs, and more.

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