Home >Articles

Category: IRAs

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
Continue Reading

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"
Continue Reading

IRA Regrets: Is a Roth Always Right?

When Vanguard recently asked readers of its blog about their retirement planning regrets, the company received an overwhelming response. At last count, there were 569 responses. One common regret came from people who had
Continue Reading

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
Continue Reading

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
Continue Reading

An Exciting New Opportunity for SMI Members: Personal Financial Planning via MoneyGuidePro

Personalized financial planning offers tremendous benefits. Understandably, those benefits haven’t come cheap. But thanks to our friends at SMI Advisory Services and an
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
Continue Reading

Why it Might Be Timely to Convert a Traditional IRA to a Roth IRA in 2016

This year’s market correction has been severe enough that it’s causing some investors to feel like they should “do something!” in response. Our advice? Stay calm and don’t take dramatic action. Instead, wait for an
Continue Reading

How to Minimize the Cost of Early IRA Withdrawals

It is generally not a good idea to take money out of an IRA before you retire. Doing so usually thwarts the purpose of an IRA: to accumulate enough money to help cover living expenses in retirement. However, sometimes
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
Continue Reading