Retirement Planning

How to Make Sure Your Money Lasts Through Your Retirement

Hard-and-fast rules for tapping retirement funds are giving way to more flexible—and irregular—approaches.<p>The S&P 500 didn't gain ground in 2015, so …

Retirement

5 Ways to Lose All Your Money in the Stock Market -- The Motley Fool

It can be surprisingly easy to lose money in the stock market, and a lot of it. If you want to grow your wealth over time in stocks, here are a bunch …

Stocks

3 Retirement "Rules of Thumb" That Are Probably Wrong -- The Motley Fool

Thumbs down on these often-cited retirement rules.<p><b>Age You Begin Investing</b><p><b>5% Return</b><p><b>6% Return</b><p><b>7% Return</b><p><b>8% …

Retirement

The 10 Most Expensive States to Retire In

If you have already or are approaching retirement, you may be contemplating where to live out your golden years. But you may not want to throw away …

Retirement

How to pick smarter investments in your U.S. Thrift Savings Plan

Nearly five million people have some or all of their retirement savings in the U.S. government’s Thrift Savings Plan (TSP), and many of them probably aren’t managing it to its full potential benefit.<p>The TSP is the government’s equivalent of a 401(k) plan. Money is contributed automatically every …

Investing

The Couple's Guide to Medical Expense Planning in Retirement | Investopedia

Medical expense planning is an important part of overall planning for retirement. While many elements of health insurance are based on the …

Retirement

What's the Big Deal About Health Savings Accounts?

Most people know HSAs offer a sweet tax deal, but they also offer a couple other important benefits you might not have considered.<p>If you’ve been …

Personal Finance

Bad news for retirement savers: A key rule that protects your finances is facing delays

And it could still go away altogether.<p>Countless working Americans turn to financial advisers for help in saving for retirement and meeting their long-term financial goals. But it looks like a new rule designed to safeguard everyday investors from unscrupulous advisers will now experience further …

Retirement

A 401(k) Loan Is a Terrible Idea Until It Isn't

Your 401(k) isn't your personal piggy bank, but that doesn't mean you can't take a loan from it.<p>Financial advisors absolutely hate the fact that …

Personal Finance

The Only 4 Money Rules You Need to Follow to Become Rich -- The Motley Fool

They're simple, but they can change your financial future.<p>Managing your finances can sometimes seem like a full-time job, with lots of decisions to …

Personal Finance

Ask a Fool: Are stocks too risky for retirees to invest in?

Once you're living off of your investments, you do need to take a more conservative approach to asset allocation. But not too conservative.<p>Q: I recently retired, and have a 401(k) worth a substantial amount of money. Should I move my money out of stocks to reduce my risk?<p>The short answer to this …

Stocks

The $250,000 Tax Credit You Could Be Using for Your Business

The federal R&D tax credit allows qualified small businesses to claim up to $250,000 per fiscal year.<p>175,000 -- that's the current number of pages in the Code of Federal Regulation. For small businesses, regulatory burdens can be one of your biggest challenges. From overtime rules to state …

Personal Finance

Why You Probably Aren't Thinking Enough About Your Legacy

Every family’s financial plan is unique, but most investment strategies are organized quite similarly. Instead of using “risk tolerance” as the …

Research Papers

How online retirement calculators can mislead you

<i>This article about online retirement calculators is by former hedge fund manager Lars Kroijer, a regular contributor to Monevator. He is also the</i> …

Retirement

Planning to Rent Out Your Vacation Home? Understand the Tax Rules. | Charles Schwab

<i>Dear Carrie,</i><p><i>My husband and I own a small vacation home. Now that summer's over and it's so easy to rent through sites like Airbnb or VRBO, we figure it only makes sense to rent it for part of the year. What does this mean for taxes? —A Reader</i><p>Dear Reader,<p>Great idea—and great question. More and more …

Personal Finance

When You Lose a Loved One Who Handles All the Money

It's not uncommon for one person in a couple to take the lead in finances, but that can cause big problems later on.<p>Robert and Shirley were a typical …

Retirement

Planning savings for your retirement — pension and retirement plans

Written by Sandip Sen |<p>Pension plans are a relatively recent phenomenon in India and come in different forms with options for you to chose.<p>Being …

Retirement

Ask a Fool: Should I Set Price Targets When I Buy Stocks? -- The Motley Fool

Instead of focusing on stock prices, here's a better way to determine when to sell.<p>Q: When I buy stocks, should I have a price target in mind where …

Stocks

Four Reasons Why Goal Setting Matters

Of late, there’s been a fair amount of talk about the importance of setting clearly defined Financial Goals. The truth remains that while most of us …

Retirement

Are Year 2000 Retirees Safe Yet?

<i>By Rob Bennett</i><p>We are living through unusual times for stock investors.<p>Stock valuations have remained shockingly high for almost the entire …

Business

How Much Time Are You Wasting on Work Emails? -- The Motley Fool

Email is an unavoidable part of having a job. But if you're not careful, it could end up hurting your productivity.<p>No matter what line of work you're …

Time Management

Planning Advice From True Experts

Advisors' risk assessment questionnaires need improvements.<p>Health considerations are very important in retirement planning.<p>Human behaviors tend to be …

Business

Special

Is she everyman’s dream? Barely 30, badger-aggressive, six-figures, killing it in the boy’s club as an equities trader, based in Vancouver. “So,” she …

Finance

Is a Balance Transfer Right for You? -- The Motley Fool

Transferring your credit card balances could save you money, but there are pros and cons to be aware of.<p>A credit card balance transfer can get you a …

Retirement

How to retire comfortably, even if you aren't a financial genius

You don’t have to be a genius, a math brain or know anything about the stock market to invest your money well and retire comfortably.<p>Most people don’t think of themselves as investors. But just about anyone with a fourth-grade education can get key money decisions right — like feeding a 401(k) or …

Retirement

Is an annuity a good deal?

<i>I'm 65 and my financial adviser is recommending I put some of my retirement savings into an immediate annuity. But the payment he quoted me seems low. How do I know if this is a good deal and how do I avoid investing when interest rates and annuity payments are at a low point?--D.B.</i><p>Getting an …

Retirement

Seniors Are Less Happy in Retirement Than Ever Before. Here’s How to Avoid a Similar Fate -- The Motley Fool

A disturbing number of retirees aren't enjoying their golden years. And that's really a shame.<p>Many workers look forward to retirement and the ability …

Retirement

Six small business bombshells in Trump’s tax plan

President Trump says he wants to lower your business taxes, but if you own a small business, is he likely to keep that promise?<p>Trump and the Republican leadership are expected to propose new tax plans soon, hoping to lower a bunch of taxes: corporate, personal and capital gains taxes. Trump …

Small Business

How Does A Backdoor Roth IRA Work?

Avoid the income limitations of a Roth IRA by using this method.<p>What are the pitfalls to avoid?<p>Part 5 in our Retirement Series.<p><i>Members of our</i> …

Retirement

Americans don’t grasp the magnitude of the looming pension tsunami that may hit us within 10 years

Total unfunded liabilities in state and local pensions have roughly <i>quintupled</i> in the last decade.<p>You read that right—not doubled, tripled, or quadrupled—quintupled. That’s nice when it happens on a slot machine, not so nice when it’s money you owe.<p>You will also notice in the chart that much of that …

Economy