Retirement Investments and Retirement Savings

There is a lot more to retirement planning than savings and investments. However, how much money you have and how you have it invested are critical considerations.

Most Recent Articles on Retirement Savings and Investments
impact investing returns

Impact Investing Returns: Do Well — Financially and Socially — by Doing Good

Impact investing! The name sounds exciting. Who wouldn’t want to make an impact with an investment? But, what is it exactly? Are impact investing returns on par with any other investment? And, is it right for you and your retirement? What is Impact Investing? Impact investing, related to socially responsible or ethical investing, conscious capitalism,…

pros and cons of etfs

Pros and Cons of ETFs: Are Exchange Traded Funds a Good Retirement Investment?

If you do not know about Exchange Traded Funds (ETFs)… it may be well worth your while to learn about them. There are many compelling pros and cons of ETFs as a retirement investment. ETFs have become a very popular investment vehicle and they can be a good place for retirement savings. In a nutshell,…

low interest high return investments

14 Low-Risk, High-Return Investments: How to Make Money in a Low Interest Rate Environment

When you are retired, or near retirement, it is generally a good idea to have a percentage of your savings in investment vehicles that are lower in risk.  However, it can be difficult to find low-risk, high-return investments — especially now with Certificate of Deposit (CD) and savings account rates at less than one percent.…

money personality type

What is Your Money Personality Type? Will It Impact Your Retirement Security?

Whether you know if or not, you have a type — a money personality type. And, your attitudes about finances will likely impact your retirement.  Knowing and learning about your money personality type can help you avoid pitfalls and use your strengths to your advantage for a secure and happy future. What is a Money…

Podcast: Brooke Southall — The Past, Present & Future of Wealth Management

Episode 53 of the NewRetirement podcast is an interview with Brooke Southall — Founder and Principal Reporter of RIABiz.com — and discusses the past, present and future of wealth management. Listen Now: Don’t miss out on future episodes: subscribe on iTunes subscribe on Stitcher And, join our private Facebook Group to discuss this podcast, suggest…

Early Retirement Income: 5 Ways to Make Penalty-Free Withdrawals from Your Retirement Accounts BEFORE You Turn 59.5

Early retirement is a dream for many. However, a really early retirement is fairly rare. According to research published on LIMRA, only about 20% of all Americans retire in their 50s or before — with most of those happening after age 55. For those that do retire early, figuring out how to fund expenses can…

average retirement savings

How Much Should I Save for Retirement? Average Retirement Savings Rates for Every Age

Keeping your retirement savings on track helps you meet your retirement goals. That seems like a very simple concept, and in a way it is. But living with that plan every day isn’t quite so simple. Knowing how much one should save for retirement is useful — it can motivate you to take action. And…

How to Use the I.R.S. to Figure Out Safe Withdrawal Rates in Retirement

The Internal Revenue Service (I.R.S.) is not usually thought of as an institution that adds a lot of value to our lives — to the contrary in fact. However, a few years ago, the researchers at the Center for Retirement Research at Boston College came up with a simple and relatively safe retirement withdrawals strategy…

self directed ira

What is a Self Directed IRA? Is it a Good Idea for Retirement Savings?

What Is a Self-Directed IRA? A Self Directed IRA is a type Individual Retirement Account (IRA)  that allows you to invest in a really wide variety of alternative investments.  Traditional IRAs require that  you invest in traditional asset classes — mainly stocks, bonds, funds, treasuries, annuities and certificates of deposit. Self Directed IRAs and Self…

How a Biden Presidency Might Affect Your Retirement

Joe Biden is now President elect. There are several ways a Biden presidency might affect your retirement, including lower tax benefits on 401(k) accounts and more generous Social Security benefits. Biden’s Plan for Older Americans gives specific details on what Biden would like to do as President to overhaul the nation’s retirement system, shore up…

qualified charitable distribution

How Making a Qualified Charitable Distribution (QCD) Can Save You Tax Money

Qualified Charitable Distributions (QCDs) are not only a way to help great causes and those in need, but they are also a way to manage your tax exposure and avoid unpleasant surprises.  For people who are at least 70 ½, and who don’t need income (or who simply want to avoid the income tax) from…

tax withholding in retirement

How Are Different Retirement Income Sources Taxed? And, How Does Tax Withholding Work in Retirement?

Retirement tax planning is a critical part of preparing for a secure future. The good news is that with so many possible retirement income sources, you have many different opportunities to potentially reduce your tax burden. And, you may even discover that reducing taxes can enable you to retire a little earlier than you might…

How Do You Compare? Average Cash, Savings, Home Equity and Other Balances

According to reporting from the Transamerica Center for Retirement Studies, retirees have a wide variety of savings and investments.  Here are the average cash, savings, and home equity balances in the U.S.  Keep reading to see how your accounts and investment types compares to that of most retirees.  Use the NewRetirement Planner to see your…

Podcast: Jerry Patterson — Making the Most of Your 401(k)

Episode 46 of the NewRetirement podcast is an interview with Jerry Patterson — Principal Financial’s senior vice president of workplace savings and retirement solutions — and discusses how to make the most of your 401(k), workforce savings trends, financial independence and retirement income. Listen Now: Don’t miss out on future episodes: subscribe on iTunes subscribe…

retirement investing

6 Competing Retirement Investing Goals and How to Sort Them Out for Long Term Wealth

Saving for retirement is hard.  However, when you are still working, creating a retirement investment plan can be relatively straightforward.  The goal is to simply grow the money. But, when you retire, your investment goals become multi-faceted, layered, and downright complicated. You still want your money to grow, but you have a whole lot of…

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