Retirement Planning Articles

Reach Your Retirement Goals By Following 10 Basic Axioms

These principles provide the critical cornerstone for making decisions.

IRA Rollover Chart: Rules Regarding Rollovers and Conversions

July 2016 by Charles Rotblut
A helpful chart showing what types of retirement accounts can be rolled over or converted into another type of retirement account. Read more »

The Mathematics of Retirement Portfolios

January 2016 by Craig Israelsen
The amount saved, the allocation followed and the withdrawal rate chosen all determine how much retirement income a portfolio can safely provide. Read more »

The Sequence in Which Returns Occur Affects Your Wealth

May 2015 by Charles Rotblut
The timing of positive and negative returns significantly impacts wealth, particularly if withdrawals are taken or other changes are made. Read more »

The Importance of Diversification in Retirement Portfolios

April 2015 by Craig Israelsen
Diversifying a portfolio among four primary asset classes allows for large withdrawals to be taken throughout retirement. Read more »

Converting to a Roth IRA Can Minimize RMDs

March 2015 by Judith Ward
Gradually converting traditional IRA assets into a Roth IRA can both increase lifetime wealth and reduce the total amount of taxes paid. Read more »

Retirement Planning: Focus First on Covering Fixed Expenses

September 2014 by Michael Falk
Once all fixed costs have been immunized, withdrawal rates no longer matter as any additional retirement assets can be used for discretionary spending. Read more »

Required Retirement Savings Rate Depends on Age and Income

September 2014
Saving 15% of income for retirement is a common rule of a thumb. The actual number depends on the amount of replacement income needed, when the worker starts saving for retirement and when he or she plans to retire, according to the Center for Retirement Research at Boston College. Read more »

Which IRA Should You Contribute to and When?

July 2014
Roth IRAs offer better wealth incomes than traditional IRAs do on a dollar-for-dollar basis. Read more »

From Saver to Spender: Managing Your Money in Retirement

May 2014 by Carrie Schwab-Pomerantz
Following these nine guidelines can help reduce your financial stress and increase the odds of enjoying a successful retirement. Read more »

Be Aware of IRA Rollover Rules

April 2014
A tax court case cast a light on the rules governing and the prudence needed for individual retirement account (IRA) rollovers. Read more »

Using the Bucket Approach With Your Retirement Portfolio

October 2013 by Christine Benz
By segmenting their portfolios based on when they will need the money, retirees can fulfill both short-term cash and long-term growth requirements. Read more »

Social Security Basics

October 2013 by William Reichenstein
In this first article of a new three-part series, the impact of a worker’s retirement age on Social Security benefits is explained. Read more »

Social Security Basics

October 2013 by William Meyer
In this first article of a new three-part series, the impact of a worker’s retirement age on Social Security benefits is explained. Read more »

A Key to a Lasting Retirement Portfolio

April 2013 by John Sweeney
Staying within or below a 4% to 5% withdrawal rate (adjusted annually for inflation) will decrease your risk of outliving your retirement savings. Read more »

Delaying Retirement, But Not Your Retirement Dreams

July 2011 by Christine Fahlund
Investors can practice retirement by continuing to work but diverting dollars meant for new retirement savings to pursuing retirement dreams now. Read more »

Determining Your Allocation at Retirement

July 2010 by Charles Rotblut
There is no strategy for retirement allocation that universally applies to all investors. The best place to start is to determine your needs. Read more »

How Much Should You Have in Equities Until Retirement?

July 2010 by Jerome Clark
A more conservative investment strategy might not do as well as a more aggressive strategy. Read more »

Optimizing Your Retirement Income: What Works Best and Why

August 2008 by Christine Fahlund
Only a small minority of Baby Boomers are accumulating enough savings to provide for their income needs. But those approaching retirement can improve their financial security in retirement, depending on their flexibility and their approach to four big decisions that are under their control. Read more »

Withdrawing From Your IRA: A Guide to the Basic Distribution Rules

August 2002 by Clark Blackman
Since IRAs are vehicles to encourage saving for retirement, penalty-free regular distributions cannot start until after the account owner turns age 59 1/2. But there are exceptions that allow you to avoid the 10% penalty. Read more »

What You Need to Know to Protect Your Pension Benefits

June 2002 by Lynn O'Shaughnessy
Pension administrators do make mistakes, although most aren't intentional. One culprit is federal laws, which are difficult to understand and constantly changing. The other culprit is plain old human error. Read more »