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Category: 401(k)s

9 Steps to Make the Most of Your 401(k)

Today's employer-sponsored retirement accounts differ from the pension plans of yesteryear. Now, the responsibility for the ultimate outcome — saving enough for retirement — rests squarely on your
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Is it Time to Reduce Your Investment Risk?

If your retirement years are starting to come into view, maybe it’s time to move to a less-aggressive investing posture. Will that still provide what you need in retirement? Here’s how to find
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Upgrading in a 401(k) or 403(b) With Help From SMI’s Portfolio Tracker

Want to implement SMI’s Upgrading strategy via your workplace retirement plan? You'll have to overcome several obstacles.
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How Federal Workers Can Make the Most of the Thrift Savings Plan

If you're a federal employee, take advantage of the Thrift Savings Plan. The government offers broadly diversified funds and matches employee contributions.
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The Risks and Advantages of Employer Stock in Your Retirement Account

Investing in your employer’s stock via a company retirement plan carries some risk. But it also comes with a special tax advantage.
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Which Assets Should You Withdraw First During Retirement?

Tax laws complicate the choice of which assets to draw from first. Here's what you need to know.
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Invest In Your 401(k) or Pay Down Your Home Mortgage?

Will you come out ahead by investing or by prepaying your mortgage? Here's a year-by-year comparison of the two approaches. 
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Took an RMD This Year? You Can Put it Back

Joseph called attention to an issue in a recent Friday roundup that we thought important enough — and relevant to enough of our readers — to warrant a separate article. The issue? That if you took a required minimum
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CARES ACT Provides Pandemic-Related Aid to Taxpayers, Retirees

Congress and the White House are trying hard to counteract the financial fallout from COVID-19. Here's what that means for you.
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When a “Bucket Strategy” Shines

If you're retired, or close to retirement, having plenty of cash on hand allows you to take a bear market in stride. You can calmly wait for your stock-based investments to recover.
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