Turn Your Dreams into Plans...

Take Control of Your Retirement.

Find Your Path to the Future You Want.

Already have an account? Sign in...

Everyone Deserves Peace of Mind

Assessment

Answer some important questions to get real clarity on where you stand and your retirement options.

Next steps

See what’s possible and what you can do right now and in the future to create your perfect retirement scenario.

Ongoing help

We’ll help you stay focused on your plan so you can enjoy the retirement you always wanted.

Due to its easy-to-understand presentation and wealth of information...

NewRetirement is the American Association of Individual Investor's (AAII) Editor’s Choice for Best of the Web for Retirement Planning.

The NewRetirement Calculator Makes Retirement Planning Easy...

  • Quick and easy to get started
  • Sophisticated tools – it is like a financial advisor is in your computer
  • Useful charts and detailed analysis of your situation
  • Ability to try out different retirement scenarios
  • Instant answers to your retirement questions

Retirement Information and Tips

Retirement Experts

Most Recent Question and Answer on NewRetirement Answers...

Hi, I am about 15 years away from retirement. My current retirement account is held in a company ESOP, when I retire this will transferred to a 401k. When I withdraw monies for living expenses from that 401k it will be taxed as income. Will it still be taxed as income if I re-invest monies from that 401k into govt. treasuries, shares bank cds or bank savings accounts? I understand there are IRA CDs that I could roll over into without paying taxes are there also other IRA equivilants? Thanks - Andy
Asked by someone from Pullman, WA on 4/21/2017

You will be taxed for withdrawals no matter how you reinvest the money. Within any qualified (eg. IRA, 401(k) etc.), you can switch securities any way you want without incurring taxes. It's only securities that are outside qualified accounts that are taxed. One thing you might consider is rolling over your 401(k) to a rollover IRA and then to a Roth IRA. The rollover to the Roth will require income tax but not taxed thereafter. The latter is only beneficial is you have outside savings that can be used to pay the tax and only if you will have a higher tax rate in retirement than when exchanged--or you plan to leave it to heirs with high tax rates.

Henry Hebeler
See All Recent Answers... Ask a Question...
NewRetirement Family

NewRetirement is a new approach for retirement planning – comprehensive, easy, personalized and designed for regular people. We started this company because our own parents needed help with retirement planning and there were not any affordable and trustworthy resources.

NewRetirement’s calculator is designed for anyone who is worried about their retirement – especially people nearing the end of their careers who are in their 50s and 60s. We help people figure out how to draw down their savings as well as think through things like Social Security, income streams, Medicare, work and phased retirement and how to manage debt, expenses and out-of-pocket medical costs to live as securely as possible.

The system puts you in charge of how you want to use your resources so that you can make better decisions about your future.