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Category: 401(k)s

The New Law of the Land on RMDs, IRA Contributions, Stretch IRAs, and More

Shoppers aren't the only ones hustling and bustling as Christmas approaches. The U.S. Congress speeded up its typically glacial activity and approved the SECURE Act last week, serving it up just in time for the Christmas
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A New, Better Process for Getting Started With MoneyGuidePro

MoneyGuidePro®— the planning software available to SMI Premium-level members — is now even better. MGP's new MyBlocks system offers a simpler "onboarding" process for first-time users plus helpful new features for existing
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Plugging the Holes in Your Portfolio

There are three primary reasons why investors don't get the returns they expect from their portfolios. I'm not talking about when a person makes poor investing choices out of ignorance, or when a portfolio simply
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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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Rethinking the Roth 401(k)

The conventional wisdom about who should use a Roth 401(k) may be scaring away some people who would benefit from a Roth.
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Making Sense of Your IRA Options

An Individual Retirement Account is a great tool for building savings. But rules related to eligibility, account types, and "rollovers" can be confusing. We sort them all out for you.
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Roth IRAs and Roth 401(k)s: Similar, Yet Different

The Roth IRA and the Roth 401(k) sound similar, but there are significant differences in how Congress has structured these two types of retirement accounts.
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Traditional IRA vs. Roth: Which Maximizes Retirement Income?

Roth IRAs often are touted as being superior to traditional IRAs because Roth withdrawals are tax-free in retirement. But a closer look shows the Roth-vs.-traditional playing field is more level than it
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Upside Risk and Other Points to Ponder

Blissful ignorance “If you had checked your portfolio on January 1, 1987, and then slept through the entire year and woken on December 31st you would have looked at your portfolio and said ‘huh, pretty slow year in the
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Wednesday Grab Bag

When I was a kid, there was always a certain allure to the "Grab bag" — the mysterious bag-o-stuff that didn't reveal its contents until after you bought it. As an avid young football card collector, I recall bouts of
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