Retirement Savings and Investments

There are a lot of questions about retirement savings and investments.

With regards to savings, you need to know: How much to save (did you know that some people save too much)? How much savings you will you need for retirement? Where should you save? Should you save pre-tax (traditional, SEP & Simple IRAs, 401ks, 403bs, 457s, 529s, HSAs, etc…) or after-tax (Roth IRAs and 401ks)? How do you find more money to save?

And, there are probably even more questions about investments: What should you invest in (stocks, bonds, real estate, funds)? How should your investments change over time? How do your financial values impact your investment strategy? What is the ideal asset allocation for you? What should you do when the market swings wildly?

See below for articles covering the answers to these questions and more.

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Mutual fund fees

Fees and Expenses on Mutual Funds and ETFs: A Complete Guide to the Often Misunderstood and Hidden Costs of Investments

Are you aware of just how much investing is costing you? Explore all the fees associated with your mutual funds and ETFs.

March 14, 2024
behavioral finance

Behavioral Finance: 16 Easy Ways to Outsmart Your Brain for More Wealth and Security

Behavioral finance can show you how to be happier, wealthier and achieve a better retirement. Explore 16 rules of thumb for a better future.

March 7, 2024
restricted stock units

Making Sense of Restricted Stock Units: Terminology, Taxes and More!

Learn about the value of restricted stock units and how to use this compensation to your financial advantage.

February 29, 2024
Paycheck Deductions & Employer Contributions

New Features: More Accurate Ways to Model Your Paycheck Deductions and Employer Contributions to Savings

We have significantly improved your ability to model paycheck deductions and employer contributions to savings.

February 15, 2024
sudden wealth event

A Guide to Managing Sudden Wealth: Key Financial Considerations

Inheriting money? Won the lottery? Here is what you need to know for long-term financial security after experiencing a sudden wealth event. 

December 20, 2023
emotionally intelligent investor

Are You an “Emotionally Intelligent” Investor?

Successful investing is not all about numbers and analysis. Emotions can help and hurt your financial security. Learn how!

November 30, 2023
should you pay off your mortgage or invest

Should You Pay Off Mortgage or Invest?

Get insights for the best way to use your money. What are the pros and cons of paying off mortgage vs. investing?

November 21, 2023
alternative investments

Are Alternative Investments a Good Idea for Your Retirement?

Should you consider alternative investments as part of your retirement asset allocation? Probably not, but it depends. Explore the pros and cons.

November 9, 2023
year end tax tips

12 Year-End Tax Planning Strategies to Keep More 2023 Money and Prepare for Future Wealth

These 12 year-end tax tips for retirement will help you minimize your 2023 taxes and reduce future tax bills.

November 2, 2023
asset location

Asset Location: How Tax-Smart Investing Can Supercharge Your Portfolio

Asset location is an important concept if you are trying to save and build wealth. Explore ways to locate funds to minimize taxes.

October 26, 2023
holistic investment plan

9 Essential Considerations for a Holistic Investment Strategy

Explore 9 important considerations when it comes to establishing, tracking, and managing a holistic investment strategy.

October 5, 2023
average home equity

Average Home Equity: If You Are Middle or Lower Class, Your Wealth is in Your Home

Learn about average home equity and how it impacts your wealth, especially if you are in the lower or middle classes.

September 21, 2023
money personality type

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

Your money personality type can impact your retirement security. Find out which type(s) you are and learn how to use it to your advantage!

September 6, 2023
best investment

Financial Wisdom: What Is the Best Investment?

The best investment? It isn’t always a stock or financial instrument. Other life choices can improve both your monetary and overall well being.

August 31, 2023

Rebalancing Your Portfolio: Why, How and When

Rebalancing is a critical part of any investment strategy. Learn about setting asset allocation targets and the finer points of rebalancing.

August 31, 2023
define wealth

Are You Wealthy? 19 Ways to Define Wealth

Are you wealthy? Are you defining wealth correctly? See how people think about wealth and compare your financial well being to others’.

August 23, 2023
investment risk

A Big Risk for Retirement Investments? Avoiding Risk!

According to experts, one of the biggest risks in financial planning isn’t investing in a volatile portfolio, but rather avoiding risk altogether.

August 10, 2023
index fund investing

Why Index Fund Investing Is Good for Your Retirement

Index funds can be a great way to invest for retirement because they are easy to understand, low cost, and very effective.

July 27, 2023
retirement investing

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

Saving for retirement takes discipline. 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 it can seem downright complicated. You still want your money to grow, but you have a whole…

July 27, 2023
Robert Merton retirement income plan

Nobel Prize Winner Robert Merton Explains Why Retirement Planning Should Focus on Income, Not Savings

Nobel prize winner Robert Merton outlines the 3 steps you need to take to create a retirement income plan for a secure future.

July 6, 2023
compound interest

Compound Interest and Saving as Much as You Can as Early as You Can: Magical Secrets to Building Real Wealth

Building wealth can seem like it will take a miracle. Compound interest (especially if you start early) might just be the magic you seek.

July 5, 2023
dividend investments for retirement income

Pros and Cons of Dividend Investments for Retirement Income

Are dividend producing investments the golden goose of your retirement portfolio or a big goose egg when it comes to returns? Explore the pros and cons and find out.

June 29, 2023
what is a bull market

What Is a Bull Market and What Does it Mean for Retirement Investing?

Explore bull market characteristics and what investors need to know to navigate these periods of market optimism.

June 18, 2023
average rate of return

What is the Average Rate of Return? What to Use in Your Retirement Plan Projections?

Get details on historic returns and a framework for making your rate of return projections. Here is info you need for a more secure future.

June 15, 2023

NewRetirement Planner

Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.