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Category: Retirement

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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Bucket Challenge: Managing Cash Flow in Retirement

The rapid stock market decline in early February serves as a stark reminder that downside moves can develop quickly. Long-term investors can ride out such volatility, of course — but what if you’re a retiree relying on
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Long-Term-Care Premiums Soar

The title above is taken from a Wall Street Journal article published in 2010. Since then, the situation has not improved. This is from a new WSJ story published a few days ago:
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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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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: How Much Less Can You Live on in Retirement? Ignoring What Other Investors Are Doing, and More

Here is our 11-days-before-Christmas collection of articles on investing, personal finance, and biblical stewardship. Enjoy!
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Your 10 Most Important Financial Moves for 2018

Here’s our annual round-up of planning suggestions for the new year. Take our broad list of ideas and narrow it down to your personal Top 10 for 2018. As you read, note the ideas that apply to your situation and put a
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Fixed Index Annuities: Understanding the Drawbacks

Imagine an investment with the stock market’s upside potential, but the downside protection of a bank CD. You can gain but not lose. Interested? That’s the marketing angle of the fixed index annuity (FIA), an
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