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Category: 401(k)s

Happy 40th, 401(k)

This year marks the 40th anniversary of the 401(k) retirement savings account. Well, technically, it’s the 40th anniversary of the Revenue Act of 1978, which is what made such accounts possible, with section 401(k) of the
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SMI Private Client Classic: Personal Portfolio Management Is Now Available to All

Six months ago, SMI Advisory Services announced that professional management of individual accounts using the SMI strategies was being offered for the first time. SMI members responded
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September Sightings

Rising and Falling Uncertainty Worries abound, from Chinese trade wars…to midterm campaign-related uncertainty…. [But] I’ve crunched data since long before PCs arrived, [so I know that] the Standard & Poor’s 500 index has
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The Nuts and Bolts of a Roth IRA Conversion

Moving retirement money from a Traditional IRA, 401(k), 403(b), or other tax-deferred account to a Roth IRA is a bit like refinancing a home mortgage: you get long-term benefits, but only if you’re willing to bear
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A Road Map to Retirement Plans for Small-Business Owners

Did you know that according to the National Center for Health Statistics, the average 65-year-old man today can expect to live at least 18 more years, while his similarly aged wife can expect to live more than 20 more
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Will Your Retirement Nest Egg Last? How to Use MoneyGuidePro to Find Out

It’s the paramount question of every retiree: Will my lifetime savings be enough to last through the years ahead? That question is easier to answer than ever before, with help from MoneyGuidePro®, the
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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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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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