Retirement

  • How to Save for Retirement on Less Than $40,000 Per Year U.S.News & World Report - 4 hours ago

    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.

  • 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.

  • 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%.

  • 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.

  • Lost Track of an Old 401(k)? Here’s a Plan to Help You Find Your Money Bloomberg - Tue, Sep 20, 2016 12:45 AM NZST
    Lost Track of an Old 401(k)? Here’s a Plan to Help You Find Your Money

    It’s surprisingly easy to lose track of your retirement savings, leaving them to be eaten up by inflation and fees—or even seized by the state. Employers don’t try to find missing retirement plan participants, or businesses are bought and sold or restructured so many times that they lose the records. In the haphazard U.S. retirement system, there’s no easy way to make sure your assets follow you throughout your career. Just rolling over an old 401(k) into a new one, or into an individual retirement account (IRA), can mean weeks of hassles.

  • 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.

  • What Social Security Isn’t Telling You About Your Money Bloomberg - Fri, Sep 16, 2016 11:00 PM NZST
    What Social Security Isn’t Telling You About Your Money

    The agency isn’t doing the best job of communicating crucial information, the GAO finds. Like how much do you gain by delaying your claim?

  • 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.

  • America’s Biggest 401(k) Adviser Has a Plan to Manage All of Your Money Bloomberg - Mon, Sep 12, 2016 9:00 PM NZST
    America’s Biggest 401(k) Adviser Has a Plan to Manage All of Your Money

    Financial Engines dominates in-house retirement fund advice. Can it make a business out of advising the middle class on everything else?

  • 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.

  • Are investors more or less willing to take on risk after a big money loss? The Wall Street Journal - Mon, Sep 12, 2016 2:02 PM NZST
    Are investors more or less willing to take on risk after a big money loss?

    After a big financial loss, are people going to be more or less willing to take a big risk? “A person who hasn’t made peace with his losses is likely to accept gambles that would be unacceptable to him otherwise,” psychologist Daniel Kahneman, a Nobel laureate, and Amos Tversky wrote in a 1979 paper. “Losses that come on the heels of prior losses may be more painful than average…after a prior loss, the person becomes more loss-averse,” Nicholas Barberis, Ming Huang, and Tano Santos wrote in a 2001 paper in the Quarterly Journal of Economics.

  • 3 Questions That Can Help You Get the Most From Your 401(k) Money - Fri, Sep 9, 2016 10:00 PM NZST
    3 Questions That Can Help You Get the Most From Your 401(k)

    Give your workplace plan a little attention for National 401(k) Day.

  • When Should You Take Social Security? Kiplinger - Fri, Sep 9, 2016 6:39 AM NZST
    When Should You Take Social Security?

    As a financial professional, I get a lot of questions. Deciding the right age to take your Social Security benefits can be tricky. Although conventional wisdom says to delay taking your benefits for as long as possible, according to the Center for Retirement Research, nearly 40% of retirees file for Social Security as soon as they turn 62, the earliest age at which the Social Security Administration (SSA) allows you to claim your benefits.

  • California Case Opens Door for Pension Benefit Reductions Bloomberg - Tue, Sep 6, 2016 9:00 PM NZST
    California Case Opens Door for Pension Benefit Reductions

    Along with death and taxes, Californians have counted on another inevitability: once pension promises are made to public employees, they can’t be rolled back.

  • 4 Numbers That Help You Plan for a Secure Retirement Money - Wed, Aug 31, 2016 10:30 PM NZST
    4 Numbers That Help You Plan for a Secure Retirement

    Two-thirds of 401(k) participants polled for a recent J.P. Morgan Asset Management report said they could better plan for retirement if their employers helped them “understand their numbers”—that is, get a handle on such specifics as how much they should be saving and how much money they should have in retirement accounts to ensure a secure post-career life. Here are four key numbers that can make retirement planning less daunting and at the very least get you going in the right direction until you come up with a more customized plan. Indeed, this report from the Boston College Center for Retirement Research estimates that’s how much the typical U.S. household should save each year in order to maintain its pre-retirement living standard in retirement.

  • Self-Directed Retirement Savers May Hit Hurdles When Seeking Help The Wall Street Journal - Sat, Aug 27, 2016 8:30 AM NZST

    New federal rules governing how people save for retirement may limit the guidance that investors managing their own individual accounts can get from providers. Rules handed down by the Obama administration in April, requiring brokers to put the interests of retirement savers ahead of their own, mostly will leave investors who manage their own individual retirement accounts untouched.

  • U.S. Nudges States to Help Private-Sector Workers Save for Retirement The Wall Street Journal - Fri, Aug 26, 2016 10:46 AM NZST
    U.S. Nudges States to Help Private-Sector Workers Save for Retirement

    WASHINGTON—The Obama administration on Thursday finalized a new regulation to encourage states to set up retirement savings plans with automatic enrollment features for private-sector employees, part of its push to promote Americans to build their own nest eggs to supplement social security. The rule, announced by Labor Secretary Thomas Perez and the White House, gives states a road map for establishing the retirement plans. Several states already have passed legislation to create their own vehicles to enroll workers who don’t have access to pension or retirement savings plans in the workplace.

  • IRS Eases a Costly Tax Pitfall for Retirement Savers Money - Thu, Aug 25, 2016 9:00 AM NZST
    IRS Eases a Costly Tax Pitfall for Retirement Savers

    Savers can now explain why they missed a 60-day window on IRA rollovers, instead of facing a tax bill.

  • Retirement-Planning Assumptions: Yes, You Can Be Too Conservative Morningstar - Mon, Aug 22, 2016 5:00 PM NZST

    The risks of oversaving and underspending are real, too.

  • Where's the Best Place to Park Your Cash? Morningstar - Mon, Aug 15, 2016 5:00 PM NZST
    Where's the Best Place to Park Your Cash?

    While nearly all of the major cash and cashlike instruments have done a good job of protecting investors’ capital over time, investors seeking an ironclad guarantee of principal preservation will want to focus on FDIC-insured investments. Building on 2010 rules passed in the wake of a large money market fund breaking the buck–or letting its net asset value drop below $1–during the financial crisis, the money market fund rules going into effect this year specifically aim to address the risk of heavy investor redemptions from a portfolio with constrained liquidity. Specifically, the rules require certain types of money market funds to use a “floating” net asset value, as well as to impose fees or install “gates” to stem outflows in periods of constrained liquidity.

  • MIT, NYU, Yale sued over fees for employee retirement plans Reuters - Wed, Aug 10, 2016 4:48 AM NZST

    Three well-known U.S. universities, MIT, New York University and Yale, have been accused of charging millions of dollars in excessive fees to participants in their retirement plans, according to federal civil lawsuits filed on Tuesday. The complaints against the three universities accuse them of breaching their fiduciary duties by causing the plan participants to pay millions of dollars in unreasonable and excessive fees for record keeping, administrative and investment services. In the Massachusetts Institute of Technology complaint, Fidelity Chief Executive Officer Abigail Johnson is singled out because she sits on the school's board of trustees.

  • How to Invest in Retirement U.S.News & World Report - Tue, Aug 9, 2016 1:00 AM NZST

    For people with many years left to work, the retirement goal line looks way off in the gloom. In real life, retirees are likely to go through several stages, each requiring its own preparation. Financial advisors have labeled them the "go-go," "slow-go" and "no-go" years.

  • Retiring next year? 8 money moves to make now Bankrate.com - Thu, Aug 4, 2016 10:00 PM NZST
    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.

  • Rough Guides to the Golden Years: Retirement Calculators The Wall Street Journal - Sat, Jul 23, 2016 12:39 AM NZST
    Rough Guides to the Golden Years: Retirement Calculators

    While assessing retirement calculators this past week, I plugged in my own information to see how much money I should sock away when one of the scariest things I’ve ever seen appeared on my computer screen. “To make a projection, you have to make lot of assumptions about past and future income based on current information,” said Anek Belbase, a research fellow at the Center for Retirement Research at Boston College. Online calculators rely on information provided by users that typically includes age, income, savings, monthly contributions and the age the person expects to stop working.

  • 10 Retirement Decisions You Will Regret Forever Kiplinger - Fri, Jul 8, 2016 4:40 AM NZST
    10 Retirement Decisions You Will Regret Forever

    As more and more baby boomers start eyeing the coastline of retirement, thoughts turn from the daily worry over the Monday-through-Friday commute to concerns about how to fund the golden years. How about your 401(k), IRA and other retirement accounts that make up your nest egg? Do you have a good handle on when to claim Social Security benefits?

  • Do 401(k) providers favor their own funds? The Wall Street Journal - Tue, Jul 5, 2016 3:20 PM NZST
    Do 401(k) providers favor their own funds?

    For many 401(k) retirement-plan participants, choosing the right fund can be hard enough. It gets even harder when they don’t have the best funds to choose from in the first place. New academic research shows that mutual-fund companies tend to favor their own funds when setting the menus for the 401(k) plans they administer.

  • This woman retired at 33 and is traveling the world without going broke feed_manager_auto_publish_494--autopubtest_WPTUMBLR_485 - Thu, Jun 30, 2016 5:41 AM NZST
    This woman retired at 33 and is traveling the world without going broke

    That is, unless you’re Anita Dhake, who retired from her law career at 33, packed up her stuff and started traveling the world. So far, she has visited countries like including China, Australia, Spain and Brazil, and doesn’t plan to stop until she has checked everything off her bucket list.

  • 7 Savvy Retirement Steps for Generation X Kiplinger - Wed, Jun 29, 2016 6:28 AM NZST
    7 Savvy Retirement Steps for Generation X

    Generation X is hitting middle age. While tax laws and Social Security rules may change by the time Gen Xers reach their golden years, the one thing that is certain is that saving aggressively for retirement now can help smooth the ride.

  • A Payout Limit on Social Security Benefits Kiplinger - Wed, Jun 29, 2016 4:35 AM NZST
    A Payout Limit on Social Security Benefits

    When a worker becomes eligible for social Security, other family members may qualify for benefits on that worker’s record, too. Although the family maximum can range from about 150% to 180% of a worker’s full retirement age benefit, the cap is typically 175%, says Jim Blair, a former district manager for an Ohio Social Security office and a partner at Premier Social Security Consulting, in Sharonville, Ohio. If you have two or more benefits coming off your record, the family maximum will apply, he says.

  • Aging parents: Your adult kids aren't total ingrates like you think they are Yahoo Finance - Wed, Jun 29, 2016 4:03 AM NZST
    Aging parents: Your adult kids aren't total ingrates like you think they are

    Adult children have their parents' backs, a new Fidelity survey says.

  • Court rules against PR in debt case feed_manager_auto_publish_494--autopubtest_WPTUMBLR_485 - Wed, Jun 15, 2016 3:05 AM NZST

    The Supreme Court ruled Monday that Puerto Rico can’t restructure more than $20 billion in public debt as it tries to overcome a decade-long economic crisis. The 5-2 ruling said that federal bankruptcy law bars Puerto Rico from enacting its own law to restructure the debt of its financially ailing public utilities. The decision means the U.S. territory must wait for Congress to pass debt-relief legislation that would address its fiscal woes.

  • Millions of Americans regret not saving for retirement earlier. Don't let it happen to you Yahoo Finance - Thu, May 19, 2016 3:43 AM NZST
    Millions of Americans regret not saving for retirement earlier. Don't let it happen to you

    18% of Americans say their biggest financial regret is not saving for retirement early enough.

  • Meet MyRA: You only need $1 to invest in this retirement account Yahoo Finance - Sat, May 14, 2016 6:38 AM NZST
    Meet MyRA: You only need $1 to invest in this retirement account

    Here's how MyRA helps workers save for retirement with as little as $1.

  • Financial stress kills our productivity. Yahoo Finance - Wed, Apr 20, 2016 9:22 AM NZST
    Financial stress kills our productivity.

    Nearly half of 1,600 workers surveyed said they’ve saved less than $50,000 for retirement. Here's why your boss should care.

  • BlackRock’s Larry Fink ruined my birthday Yahoo Finance - Tue, Apr 12, 2016 2:39 AM NZST
    BlackRock’s Larry Fink ruined my birthday

    BlackRock's Larry Fink warns that low interest rates are forcing savers to save far more than what is good for the economy.

  • It's about to get much harder for financial advisors to give bad advice Yahoo Finance - Sat, Mar 26, 2016 1:25 AM NZDT
    It's about to get much harder for financial advisors to give bad advice

    Any day now, the U.S. Department of Labor is expected to finalize new rules that would change the way financial advisors are allowed to give advice to their clients.

  • How to plan for retirement when you're five, 10, and 20 years away Yahoo Finance - Thu, Oct 22, 2015 6:31 AM NZDT
    How to plan for retirement when you're five, 10, and 20 years away

    How should you be planning for retirement when you’re five, 10, or 20 years away from leaving the workforce?

  • What are millennials really doing with their money? Yahoo Finance - Thu, Oct 8, 2015 3:27 AM NZDT
    What are millennials really doing with their money?

    Are all millennials clueless when it comes to their finances? We asked a few about their saving habits, whether they invest and if they know what a 401(k) is.

  • Here's how smart investors will react to this week's market drama Yahoo Finance - Tue, Aug 25, 2015 4:57 AM NZST
    Here's how smart investors will react to this week's market drama

    The stock market plunge doesn't mean it's time to start padding your mattress with dollar bills. Here's what investors should do:

  • What China's volatility means for U.S. investors Yahoo Finance - Thu, Jul 16, 2015 6:57 AM NZST
    What China's volatility means for U.S. investors

    Yahoo Finance explores how the recent volatility in the China stock market might be impacting U.S. investors.

  • State pension funds face $1 trillion funding gap Yahoo Finance - Thu, Jul 16, 2015 2:07 AM NZST
    State pension funds face $1 trillion funding gap

    When local pension fund shortfalls are factored in, the total pension funding gap surpasses $1 trillion, according to Pew.

  • For hot high-tech investment services, cash is trash Yahoo Finance - Wed, Jul 15, 2015 12:55 AM NZST
    For hot high-tech investment services, cash is trash

    New Automated investment platforms such as Betterment and Wealthfront view excess cash holdings as a drag on long-term portfolio performance. Will clients agree is markets turn south?

  • Money Minute: What happens when you take out a 401(k) loan? Yahoo Finance - Tue, Jul 14, 2015 8:18 AM NZST
    Money Minute: What happens when you take out a 401(k) loan?

    Before you borrow money from your 401(k) or ask for a hardship withdrawal, know the consequences. Yahoo Finance's Mandi Woodruff explains.

  • Money Minute: What's a smart way to invest my 401(k)? Yahoo Finance - Sat, Jun 27, 2015 1:40 AM NZST
    Money Minute: What's a smart way to invest my 401(k)?

    Yahoo Finance's Mandi Woodruff explains how to invest in your 401(k) in this week's Money Minute.

  • Take the Social Security quiz that 72% of Americans failed Yahoo Finance - Thu, Jun 18, 2015 1:26 AM NZST
    Take the Social Security quiz that 72% of Americans failed

    Take the Social Security quiz that 72% of Americans failed, by MassMutual.

  • Why Wall Street should bet on women Yahoo Finance - Fri, May 29, 2015 6:11 AM NZST
    Why Wall Street should bet on women

    In “Women of the Street: Why Female Money Managers Generate Higher Returns (and How You Can Too), renown hedge fund researcher Meredith Jones pinpoints what it is about women investors that gives them an edge.

  • Americans are deluded about when they will retire Yahoo Finance - Wed, Apr 22, 2015 8:44 AM NZST
    Americans are deluded about when they will retire

    Americans underestimate their retirement age by a lot, the 2015 retirement confidence survey by the Employee Benefit Research Institute found.

  • How Wall Street may threaten your pension Yahoo Finance - Fri, Apr 17, 2015 4:17 AM NZST
    How Wall Street may threaten your pension

    Fees paid to hedge funds and private equity firms could be coming out of retirees' pockets.

  • How to make a million after age 70 Bankrate.com - Fri, Apr 10, 2015 3:39 AM NZST
    How to make a million after age 70

    If you are entering your 70s and have scant savings, you probably have harbored fantasies of great wealth. But is the dream really over?

  • Attitudes Toward Retirement Are Shifting, Franklin Templeton Survey Finds Marketwired - Thu, Mar 26, 2015 2:17 AM NZDT

    More than half of Americans are considering working during their retirement, and not simply out of necessity, according to Franklin Templeton's 2015 Retirement Income Strategies and Expectations survey. ...

  • How Social Security benefits are calculated Yahoo Finance - Thu, Mar 26, 2015 1:43 AM NZDT
    How Social Security benefits are calculated

    How does the government calculate Social Security? Yahoo Finance's Mandi Woodruff has the answer:

  • This Is the Best State for Retirement in 2015 The Fiscal Times - Tue, Mar 24, 2015 7:30 AM NZDT
    This Is the Best State for Retirement in 2015

    Wyoming may have the smallest population in the nation at the moment – but it may not stay that way if America’s retirees read a new report from Bankrate.com. The report ranks the Cowboy State as the best state for retirement in 2015. Wyoming also topped a retirement list issued last year by the National Institute for Retirement Security and a separate list by Wallet Hub looking at the best places to retire for members of the military. Wyoming topped the list due to its low cost of living, crime rate and low tax burden.

  • 5 Money Moves to Help You Retire Sooner Credit.com - Mon, Mar 23, 2015 11:30 PM NZDT
    5 Money Moves to Help You Retire Sooner

    Some smart planning and sacrifice now can pay off big later, when you're ready to retire . . . and may help you be prepared sooner than you think!

  • Which do you value more, a vacation or an IRA? CNBC - Sat, Mar 21, 2015 5:22 AM NZDT
    Which do you value more, a vacation or an IRA?

    IRAs can't get any love from savers. A new survey finds only 8 percent of people named contributing to their IRA as their top savings priority.

  • How to Decide When to Retire U.S.News & World Report - Sat, Mar 21, 2015 3:27 AM NZDT

    Retirement tends to occupy a growing percentage of our thoughts as we approach age 65 . But just because you reach a particular age does not mean you should automatically retire. Some people may feel the ...

  • 5 money mistakes that could wreck your second marriage Yahoo Finance - Thu, Mar 19, 2015 4:25 AM NZDT
    5 money mistakes that could wreck your second marriage

    Nearly one in five Americans get married twice or more times in their lives, according to recent data from the U.S. Census Bureau. Here are common mistakes people make when they remarry.

  • Here's one way not to fall short on retirement $$$ CNBC - Thu, Mar 19, 2015 12:30 AM NZDT
    Here's one way not to fall short on retirement $$$

    A new study says fewer Americans are at risk for falling short in retirement-provided they can meet certain conditions. Are you prepared?

  • 10 Questions to Measure Your Financial IQ U.S.News & World Report - Wed, Mar 18, 2015 3:20 AM NZDT

    There's a storm of information and opinion that swirls around the Internet and the financial press concerning your retirement savings, and how to make sure you're financially secure after you leave the workforce. You can get more income from corporate bonds, municipal bonds, preferred stocks and high-dividend stocks.

  • 7 Money Moves for the 5 Years Before Retirement U.S.News & World Report - Tue, Mar 17, 2015 3:17 AM NZDT
    7 Money Moves for the 5 Years Before Retirement

    What you do in the five or 10 years before you retire can make a major difference in the quality of your life in retirement. No matter how much you have saved and prepared, you will still need to tick items off your retirement planning checklist. Take advantage of your last chance to improve your retirement portfolio. If you feel for any reason that your retirement portfolio will be inadequate for the retirement you hope to have -- or if you would like a little bit extra -- now is the time to make it happen.

  • Parents: Saving for retirement is more important than kids' college fund Yahoo Finance - Tue, Mar 17, 2015 3:12 AM NZDT
    Parents: Saving for retirement is more important than kids' college fund

    A T. Rowe Price survey found that most parents said they're willing to deplete their own retirement savings to pay for their children's college. Here's why that's a bad strategy.

  • A Purposeful Retirement Plan for 30-Somethings U.S.News & World Report - Tue, Mar 17, 2015 2:22 AM NZDT

    According to a 2014 study conducted by Voya Financial, 21 percent of retirees reported having less than $50,000 in total savings, while only one-quarter had a formal financial plan or written budget. Identify retirement dreams and goals. Although retirement is likely years away for the younger set, think now about your retirement dreams and goals. Once you've thought about how you want to spend your time in retirement, it's important to make a plan on how to accomplish these goals.

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