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Category: 401(k)s

Will Your Retirement Nest Egg Last? How to Use MoneyGuidePro® to Find Out

It’s the paramount question of every retiree: Will my lifetime savings be enough to last through the years ahead? That question is easier to answer than ever before, with help from MoneyGuidePro®, the
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The Roth 401(k) Surprise

As you probably know, the primary difference between a Roth 401(k) and a Traditional 401(k) is in how the two kinds of employer-based plans are taxed. With a Roth, you pay taxes up front (i.e., before the money is
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How We Misthink Money

According to behavioral economics, many of your ideas about saving, spending, and investing are wrong — and they cost you more than you know.   Economist Dan Ariely explains how our irrational behavior interferes with
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Reconnecting With the “Labs” in MoneyGuidePro®

It’s been one year since MoneyGuidePro®, the top-rated financial-planning software, became available to SMI premium members (by arrangement with SMI Advisory Services — an affiliated, but separate, company from the SMI
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Updated Bonus Report on IRAs, 401(k)s, and Social Security

Now that the new tax law is in effect, we've updated several aspects of our free Bonus Report titled "IRAs, 401(k)s, and Social Security: A Retirement Planning Primer." The updated report is available in the "Resources"
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Your Employer-Sponsored Retirement Plan

For many of us, a workplace retirement plan offers a tremendous opportunity to build wealth. But workplace plans can be confusing. Although most plans fall into one of two broad categories, within those categories there
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Facing Your Fears: Modeling the Impact of a Significant Bear Market on Your Financial Plan

Investors have enjoyed a powerful bull market over the past 8½ years. But they also carry the emotional scars of the steep declines of 2000 and 2008. With stock valuations currently stretched to
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Traditional vs. Roth: How Fuzzy Math Works In Your Favor

We often use this space to document the many cognitive biases that pull people off track with their investments. However, there’s one such bias — or perhaps it’s just blissful ignorance — that seems to be working in some
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Upgrading in Your 401(k) Plan When Your Options Are Limited — A Guidestone Case Study

What’s an SMI member with a bad 401(k) plan to do? In this case, “bad,” means a plan with limited investment options. SMI’s Personal Portfolio Tracker, available to both Basic and Premium members, was designed with that
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A SMarT Way to Boost Your Saving and Investing

Today’s American workers are being forced to shoulder a much higher level of responsibility regarding their retirement finances than past generations. With Social Security projections showing significant shortfalls
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