Home >Articles

Category: 401(k)s

2017 Contribution Limits, Deductions, and Other Rule Changes

Every year brings a number of changes in various financial rules and regs that impact our personal financial planning. While President-elect Donald Trump has proposed sweeping tax reform, it’s impossible to know which of
Continue Reading

Your Company’s Stock Is Dangerous

Forgive me if you've heard this warning before, but it's simply too important to not repeat it: If you own a significant amount of your employer's stock, you are taking a dangerous — and unnecessary — risk with your
Continue Reading

Keep More of Your IRA/401(k) Gains Through Smart Tax Planning

This article pertains specifically to investors who have both a tax-advantaged account (IRA/401k) and a taxable investment account. If you don’t have a taxable investing account, don’t make the mistake of thinking we’re
Continue Reading

2016 Contribution Limits, Deductions, and Other Rule Changes

Every year brings a number of changes in various financial rules and regs that impact our personal financial planning. Here’s a guide to some of the more significant changes for 2016. Retirement Plans If you participate
Continue Reading

Retirement Plan Automation — Is A Nudge Enough?

The trend toward automation is significantly affecting 401(k) and other workplace retirement-plan participants. An increasing number of employers now automatically: (1) enroll new hires into their retirement plans; (2)
Continue Reading

Company Stock Disappearing From 401(k) Plans

Over SMI's 25-year history, we've frequently warned against the danger of holding too much of your employer's stock, typically within a 401(k) or other company retirement plan. We used to discuss it as one of the most
Continue Reading

If I’d Known I Was Going to Live This Long, I Would Have Taken Better Care of My 401(k)

You might recognize the above title as a takeoff on the more familiar "If I'd known I was going to live this long, I would have taken better care of myself," a sentiment attributed to various individuals ranging from Mark
Continue Reading

Invest In Your 401(k) - Or Pay Down Your Home Mortgage?

“We’d like to start prepaying our mortgage, but we can’t do that and invest for retirement. Which should have the priority?” That’s a common question—and there’s no one-size-fits-all answer. Your age, tax bracket, how long
Continue Reading

Supreme Court Rules on 401(k) Plans - What You Need To Know

A Supreme Court ruling this week about 401(k) plans makes it all the more important for individual investors to understand the fees associated with mutual funds. The case was brought on behalf of employees of Edison
Continue Reading

Taking a One-Portfolio Approach to Your Investments

Leonardo da Vinci reportedly said, “Simplicity is the ultimate sophistication.” And he lived at a time before e-mail, voice mail, and the many other supposedly time-saving technologies have proven only to raise our
Continue Reading