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Category: Retirement

More Retirees Leaving 401(k) Money in Former Employer’s Plan. Is That a Good Idea?

A year after retiring, more than half (55%) of workers have left their 401(k) balance in their former employer’s plan — up from 45% four years ago. That’s according to Fidelity’s data pertaining to the plans it
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Roth IRA Conversions Can Be a Key Retirement-Income Planning Tool

By reducing your overall tax bill, shifting money from a traditional IRA to a Roth IRA could make a significant difference in the size of your retirement nest egg. You might be surprised at how much
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How to Write an Investment Plan

The principles of smart investing are straightforward. But at times our emotions get in the way, prompting us to make bad decisions. One way to keep your emotions in check is to develop a written investment
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Attention Husbands: You Should Know About SMI’s Ministry to Widows

In the mid-1990s, I was in talks with Moody Publishers about the possibility of writing a second book. They asked what topics interested me, and among the ideas we discussed was a book tailored to the financial needs of
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Money Roundup: Fidelity Joins the $0 Commission Crowd, A Closer Look at Commission-Free Trading, and More

Our latest picks for the best investing and personal finance articles from around the web. Fidelity follows rivals in cutting online trading commissions to zero (Reuters). The only broker rated "excellent" for use with
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Financial Regrets — We Have Probably All Had a Few

Are there any financial decisions you’ve made where you wish you could have a do-over? Are there steps you took — or didn’t take — that you would change if you could? In a recent New York Life survey, 2,200 adults were
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Final Instructions

It's wise to have a will, but there’s other information your executor and heirs would benefit from knowing. That's where a "letter of instruction" comes in. Think of it as an overview of your estate plan that covers areas
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A Closer Look at the “Dividends Only” Retirement-Income Strategy

As with most strategies, dividend investing has both benefits and drawbacks. Here's an overview of the pros and cons.
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The Social Security Administration Made a Mistake

Have you reviewed your Social Security earnings statement lately? You should. Even a small error could cost you thousands in retirement benefits.
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Innovations in the Annuities Market

In this month’s newsletter cover article about annuities, we mentioned several companies where you can purchase annuities without going through a commissioned salesperson. But there are some new players in this
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