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The Safest Way To Make Your Retirement Savings Last

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“Whenever I read about annuities, I wonder why you can’t create one on your own without an insurance company. Just invest your money conservatively and then watch your expenses so you don’t blow through your savings too soon. Wouldn’t that plan work just as well, if not better, than an annuity?” — Mike J., New […]

4 Ways to Set Yourself Up for Early Retirement

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By: Paul Keegan via Money Knocking off at 55 is hard but not impossible. Here’s what one young family needs to do to reach their goal. Carlos O. Gomez, 38, wants to retire at 55. To that end, the high school assistant principal from Oceanside, Calif., puts $11,100 of his $106,000 salary into retirement accounts […]

Borrowing From Your 401(k) Might Not Be A Bad Idea

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  “Leakage,” using 401(k) or IRA savings to pay for anything other than retirement, has become something of a bad word in the personal finance world. One policy wonk, Matt Fellowes, the founder and CEO of HelloWallet, took the metaphor even further when he wrote that “the large rate and systematic quality of the non-retirement uses of […]

10 Mistakes by Annuity Shoppers

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By: Stan Haithcock   It seems like everyone is trying to sell you an annuity.   Your banker, your broker, and your life insurance agent are all on the annuity sales train. In addition, you are continually bombarded with TV and radio ads, which now features ridiculous celebrity endorsements. It’s important to tune out all of that […]

401(k)s Welcome Annuities

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By: Jeff Rose Via Huffington Post   Want to have a steady stream of income after retirement for a lifetime? The new rules issued in October by the U.S. Treasury Department and the Internal Revenue Service make this goal easier to achieve by including deferred income annuities in your 401(k) investment options.   As traditional […]

Retirement-Account Standards May Tighten

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Brokers who recommend retirement-account investments would have to put their clients’ interests ahead of personal gain under rules expected to be endorsed by the Obama administration as soon as next week. At present, the brokers’ recommendations for 401(k) plans and other retirement accounts generally have to be “suitable,” a weaker standard that critics say permits […]

Debt Vs. Retirement

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By Laura Shin via Forbes Recently, a good friend asked me a seemingly simple question: “Laura, does it make sense to save for retirement while also carrying debt?” The answer, however, is anything but simple and depends on a number of different factors. “A lot of people are trying to figure out, how do I balance multiple goals? […]

How Women Can Increase Their Confidence in Retirement

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Knowing how much to save and how to invest can help women feel more secure. Here’s a cheat sheet.   Half of women report feeling worried about having enough money to last through retirement, according to a new survey from Fidelity Investments of 1,542 women with retirement plans.   Those anxieties aren’t necessarily misplaced either.   Women […]

How to Receive Lifetime Income

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  Eight-four percent of adults polled in a new TIAA-CREF survey want a guaranteed income stream in retirement and 46 percent are concerned they will run out of money. However, only 14 percent have purchased an annuity to secure a steady stream of lifetime income.   “For many Americans, annuities are often unknown or misunderstood, […]

25 Tips on Retirement

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Small steps that can make a big difference.   Retirement planning is serious business that requires diligence and patience. But a quick tip, or even an irreverent one, can sometimes be helpful, too.    1. If you’re not sure whether you’re saving enough for retirement, you probably aren’t. You can find out for sure pretty […]