Retirement investing is one of the most important endeavors you will undertake in your life. With so much uncertainty in the world, it is critical for investors to make wise decisions regarding their retirement accounts in order to secure a comfortable, worry-free future.
From annuities and IRA’s, to legal changes affecting your retirement, uncover new retirement investing ideas and time-tested strategies to ensure you’ll be ready.
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Here's practical, step-by-step advice for getting started on your path to 401k riches.
IRAs are among the most valuable assets most of us own. That’s why it is a shame that the value of most IRAs and other qualified retirement plans isn’t being maximized. IRA wealth is drained by unnecessary taxes and fees and by strategies that are less than optimal.
Your IRA can invest in a lot more than stocks, bonds, and mutual funds. The law allows many other investments, but you have to know the rules to avoid some penalties.
Your IRA could be hit with income taxes, even if it’s a Roth IRA. The rule has been in the tax law a long time, but it didn’t affect many investors until recently. With many investors seeking investments other than traditional stocks, bonds, and mutual funds, the rules are coming into play more often.
Investors are increasingly interested in finding the best ways to generate reliable retirement income. A frequent question in that search is whether a bond ladder or an immediate annuity is better fitted for the task.
IRAs seem to be simple things when we open them and begin annual contributions. Over time, as we move from the accumulation years, trickier rules kick in. This is where many people inadvertently lose portions of their nest eggs to taxes and penalties.
You probably have heard about the 4% rule for drawing down your retirement accounts. This rule needs to be re-examined and revised. Otherwise, too many retirees are at risk of running out of money.
The IRA and 401(k) industries were upended recently by a government report. Investigators concluded that the process often is a mess when individuals are leaving an employer and need to decide how to handle their 401(k) accounts.
Most retirement tax planning and tax discussions have the wrong focus. They look at marginal tax rates, or the tax rate on the next dollar of ordinary income earned. For retired people, some self-employed people, and a few other taxpayers, that’s the wrong approach.
In the wake of the latest tax law we need to revise and rethink some strategies about Roth IRAs, especially about converting traditional IRAs to Roth IRAs. Conversions have a trade off, and for some people the equation has changed under the new law.