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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Solo 401k: Massive Savings Opportunities for the Self-Employed

The ability to open a Solo 401k is a big perk for the self employed. Learn about 12 big advantages, including the huge contribution limits.

September 16, 2021

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.

September 16, 2021

Podcast: Renee Schaaf — Past, Present, and Future of Enterprise Retirement Plans

Steve Chen is joined by guest Renee Schaaf — the President of Retirement Income Solutions at the Principal Financial Group

September 9, 2021
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 other…

September 1, 2021

The Grapes of … Roth Conversion: A Fruitful Strategy for Retirement Wealth

Tax deferred? Tax free? Tax advantaged? It might sometimes feel a bit taxing to think about the tax implications of a Roth conversion. However, it is probably worth your brain power because a Roth conversion can be tremendously beneficial in the right circumstances. What is a Roth Account? A Roth account is a type of…

August 20, 2021
Roth Conversion 2018

Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now

Doing a Roth conversion — also known as a “backdoor Roth IRA” — is perhaps even more appealing in 2018 than ever before. Why? Low 2018 tax rates. What is a Roth Conversion? Backdoor IRA? A Roth Conversion is when you convert money that you have in a traditional IRA to a Roth IRA. This…

August 15, 2021

Monte Carlo Simulations: A Sophisticated Way to Predict Your Chance of Financial Success

Hear Monte Carlo simulations and think gambling? Nope. Learn how this mathematical formula can be used to predict your financial future.

August 5, 2021

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’.

July 29, 2021
retirement income plan

3 Steps to a Retirement Income Plan: Nobel Prize Winner Helps You Figure Out Your Best Options for a Secure Future

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

July 18, 2021

Financial Wisdom from Jack Brennan, Former CEO of Vanguard

Get great investing and planning tips directly from Jack Brennan, former CEO of Vanguard (the handpicked successor to Jack Bogle).

July 15, 2021
lost 401k

Find Lost 401k: How to Find Out If You Have Lost or Forgotten Retirement Accounts

Here is a guide for how to find lost money — a lost 401k or other unclaimed retirement benefits. It can be as easy as 1,2,3!

June 15, 2021
lockbox strategy william sharpe

The Lockbox Strategy and 10 Other Retirement Income Tips from Nobel Laureate, William Sharpe

William Sharpe has contributed significant brain power to solving for retirement security. Learn about the lockbox strategy and other ways to set up your retirement income.

June 10, 2021
charitable giving

Charitable Giving in Retirement: 4 Questions to Ask

For many of us, the desire to engage in charitable giving — giving  to our family, communities or world — only grows as we age. And there may be good reason that we want to give.  It turns out that giving is good — very good.  Numerous studies have found that there is a huge…

June 7, 2021
how to save more money

How to Save More Money for Retirement: 23 Smart and Easy Ways to Boost Savings Big!

You’ve probably heard a lot of advice about how to save more money for retirement. Everyone tells you that you really need to do it. And if you’re like a lot of people, you probably think that it’s a great idea — you are just not exactly sure where to find the cash.Learn how to…

May 27, 2021

Podcast: Jack Brennan — Insights from the Former CEO of Vanguard

Episode 58 of the NewRetirement podcast is an interview with Jack Brennan — the handpicked successor to Jack Bogle at the Vanguard Group

May 20, 2021
worried about inflation

Inflation Risk: Should You Be Worried About Inflation and Your Retirement?

What is your inflation risk? (It just went up.) Here are 8 ways to protect your retirement finances from rising inflation.

Read now…

May 12, 2021

How to Prepare for the Possible Upcoming Federal Tax Changes

Explore the proposed tax increases on the wealthy and find out what to do about it if you might be at risk of a higher tax burden.

May 6, 2021
empty nest

Empty Nest? Why It’s a Great Time to Fill Up Your Retirement Nest Egg!

As you prepare for children to fly the coop, it is worthwhile to consider what type of empty nest parent you might be. Are you: Super proud that they are setting out on their own? Still supporting them financially? Relieved and happy to have more time on your own? Sad and lonely that your children…

April 29, 2021
over saving

Over Saving for Retirement: Advice from Real People Who May Have Saved Too Much

Over saving is by design by some and a mistake for others. Get advice for what to do if you think you are over saving from people who know.

April 7, 2021
saving too much for retirement

Are You Saving Too Much for Retirement? (It’s More Common than You Might Think)

We hear a lot of horror stories these days about people saving too little, but the fact is that some people are actually saving too much for retirement. It is possible to have too much of a good thing…  It’s safe to say that my grandfather is one who saved too much because even though…

April 1, 2021
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,…

March 11, 2021
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,…

March 3, 2021
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.…

February 18, 2021
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…

February 18, 2021

NewRetirement Planner

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