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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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
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

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
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: 23 Smart and Mostly Easy Ways to Boost Your Savings

Don’t think you could possibly save more money for retirement? These tips will help you shift your mindset for a secure and happy future. Read now!

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
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

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…

February 11, 2021

Podcast: Ben Carlson — Everything You Need to Know About Saving For Retirement

Episode 52 of the NewRetirement podcast is an interview with Ben Carlson — Director of Institutional Asset Management at Ritholtz Wealth Management — and discusses whether we’re in a bubble, how to invest in a bubble, and Carlson’s new book, Everything You Need To Know About Saving For Retirement. Listen Now: Don’t miss out on…

January 28, 2021
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…

January 21, 2021

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…

December 30, 2020
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…

December 17, 2020

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…

November 11, 2020
effects of low interest rates

What Are the Effects of Low Interest Rates on Your Retirement?

You may have seen the news: Interest rates in the United States are at historic lows. That sounds great. But is it really? What are the effects of low interest rates on your retirement? Read on to see the pros and cons of low interest rates on your retirement plan. And, how to make the…

October 29, 2020
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…

October 29, 2020

Podcast: Steve Vernon — Don’t Go Broke In Retirement

Episode 47 of the NewRetirement podcast is an interview with Steve Vernon — a writer and research scholar at the Stanford Center of Longevity — and discusses the Spend Safely in Retirement Strategy that Vernon came up with and, secondly, his new book, Don’t Go Broke in Retirement. Listen Now: Don’t miss out on future…

September 25, 2020

Big Wealth-Building Lessons From the 5 Most Recent Financial Crises

They say that those who do not learn from history are doomed to repeat it. The bad news is that the last 50 years have seen 5 major financial, market, or economic crises. The good news is that each crisis has lessons that you can apply today to help you build more wealth and feel…

September 18, 2020

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…

September 3, 2020

NewRetirement Planner

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