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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7 Ways to Protect Your Retirement from Investment Frauds

Selling bogus investment products to older Americans is big business: In June 2018, the U.S. Securities and Exchange Commission’s Office of the Investor Advocate released a report on Elder Financial Exploitation. While they could not make a good estimate of total national financial costs to victims, in the state of New York, a rigorous study…

July 3, 2020
401(k)

When to Roll Over Your 401(k) Plan Into an IRA

When you move from one place of employment to another, you’ll probably want to at least give some careful thought to taking the funds in your old 401(k) plan with you. In many cases, rolling them over into an IRA is the best choice. But then again, sometimes it’s better to leave your funds in…

July 2, 2020
401k

What Is a Roth 401k Plan?

The Roth 401(k) is like a regular 401(k) – only better (at least for a lot of people). The classic 401(k) retirement savings account is largely the same from employer to employer, although there are some subtle differences. The Roth option is a game-changer, and an increasing number of employees who have the choice are…

July 2, 2020
Retirement

Retirement 101: What Are Bonds?

Bonds can be a valuable part of your retirement savings. Before investing in bonds, it is important to understand what they are and how they work so that you can make informed decisions while planning for retirement. Below, we discuss what bonds are and the advantages of adding them to your retirement portfolio. What Are…

July 1, 2020
Retirement plan

401(k) Rollover: To Keep or Not to Keep Your Ex-Employer’s Retirement Plan

If you’re leaving one job and moving to another, or if you’ve lost or quit a job, there’s a decision to make. Should you keep your money in your ex-employer’s retirement plan, or should you move it? The answer lies in whether the old plan is performing well, or whether you’d be better off cutting…

July 1, 2020
Bear market

2 Ways to Use the Bear Market to Your Advantage

Managing investments through a bear market takes an alternate strategy that lets you weather the upcoming uncertainty. Few hope to see extraordinary returns in a bear market. But, if you play it smart and not too safe, you’ll still be gaining ground when the bull storms down the street again. Here are two ways to…

July 1, 2020
Retirement

Pennies Add Up: Saving for Retirement in Little Ways

Using tools like your employer’s 401(k) or automatically taking money out of your paycheck are tried-and-true methods for successful retirement planning. But if you can look for less obvious ways to boost your retirement savings, you’ll reach your long-term goals much quicker. Here are some little, yet highly effective, ways to save extra money for…

July 1, 2020
retirement withdrawals

How to Manage Retirement Withdrawals to Pay Less in Taxes and Maximize Income

Much has been written about saving and accumulating enough for retirement. But that’s only half the battle. Once you reach retirement, it is important that you manage your retirement withdrawals from various accounts as tax-efficiently as possible. Taxes will likely be one of your biggest expenses in retirement. A tax-efficient withdrawal strategy can be the…

June 30, 2020

Is It Ever Too Late (Or Too Early) to Start Saving for Retirement?

While many people ask about how much they need to save for retirement, not as many people ask when to start saving for retirement. However, when you start saving has a big impact on how much you need to save each month. The good news is that it really never is too late or too…

June 29, 2020
Robo advisors

Can Robo Advisors Program Wealth into Your Retirement Plan?

Robo-advisors might sound futuristic, but they’re really not as new as they sound. Robo-advisors use the same technology that’s been available to human advisors for decades, according to Investor Junkie, but it’s just now coming available to the everyday investor. Question is, can a robo-advisor help you manage your investments, or is this something that’s…

June 29, 2020

The Best Retirement Plans

Saving for retirement is not a one-size-fits-all proposition. Whether you use an IRA, a 401(k), one of the many other options or a combination of several plans, the best retirement plans for you depends on your employment status and how much you’re able to contribute. Best Retirement Plans Sometimes when we talk about the best…

June 29, 2020
Early retirement

5 Steps for Defining Your Retirement Drawdown Strategy

If you’re reading this, you’re likely someone who: saves money, has built up some assets, and is starting to think about how to create a retirement drawdown strategy – a plan for how to turn your assets into income that will last for life. Having a sound retirement drawdown strategy and keeping to it is…

June 29, 2020

Stocks, Funds, Cash, Bonds: What’s the Best Asset Allocation Strategy for Your Retirement?

Figuring out the best asset allocation strategy for your retirement isn’t something you can set-and-forget. Here are some tips on how to update and maintain your asset allocation to maximize returns and reduce risk. What Exactly is Asset Allocation Anyway? Asset allocation refers to how your money is invested in different types of asset classes…

June 28, 2020
Retirement

Retirement 101: What is Fixed Income?

The term “fixed income” can be confusing. Many adults of all ages have a reasonably steady income, whether from a salaried work position or dependable work at an hourly job. But a fixed income, at least as it applies to budgeting and investing for retirement, is something different. A fixed retirement income might sound great…

June 28, 2020
how much do I need to retire early?

How Much Do I Need to Retire Early? At Age 60? At 55? What About Age 50?

Early retirement might seem like a dream. But it’s one that you can achieve if you plan early and set goals as if your life depends on it. In fact, it does. So, ask yourself: how much do I need to retire early? At age 60? At 55? 50? Examining different possible scenarios can give…

June 28, 2020

Orman, Ramsey, and Other Gurus on How to Save for Retirement

Retirement savings can seem like a very complicated matter. But some of the most well-known and respected financial minds like Suze Orman, David Ramsay, and others say that it’s really not that hard. The difficult part is saving. Sorting out how much to save is simple.Saving for retirement doesn’t have to be difficult. The younger…

June 28, 2020
Net Unrealized Appreciation

Net Unrealized Appreciation (NUA): The Tax Smart Way to Handle Company Stock in a Rollover

If you have company stock in a 401(k), you will want to learn about Net Unrealized Appreciation (NUA) and how to minimize taxes when you rollover these funds to an IRA. Should You Rollover? Once you leave a job, or reach age 59 ½ you have the option to move your 401(k) into an Individual…

June 26, 2020

Podcast: Scott Migliori — A Professional Investor’s Guide to Early Retirement

Episode 42 of the NewRetirement podcast is an interview with Scott Migliori — the former Chief Investment Officer for U.S. Equities for Allianz Global Investors and a Chartered Financial Analyst. We discuss Scott’s decision to retire early at age 48, the investment landscape, and how he manages his money in a highly volatile market. Listen…

June 25, 2020
retirement income

How to Build a Retirement Income Plan

“The most important thing you can do for your retirement is have a plan, specifically a retirement income plan. A plan covers far more than what investments to pick. Investments are the last part of the plan; the icing on the cake. They should come only after you have the main meal menu in place,…

June 6, 2020
financial fraud

Senior Financial Fraud is Now a $3 Billion Dollar a Year Issue

Financial fraud against people 50 and older is a growing concern. Older Americans lost $1.6 billion in 2018 due to financial fraud, and the average victim lost $1,023 according to the FTC.Protect your retirement savings from financial fraud.Financial manipulation is subtle and can take place over a number of years, explains Peter Creedon, CEO of…

June 1, 2020

Podcast: Glen Nakamoto — Building a Retirement Paycheck

Episode 41 of the NewRetirement podcast is an interview with Glen Nakamoto — retired cyber security analyst and financial planning enthusiast. They discuss how Glen built his own lifetime retirement paycheck with a guaranteed income floor using immediate annuities. Glen outlines how he built his plan and paycheck. Listen Now: Don’t miss out on future…

May 28, 2020
rollover

How to Rollover Your 401(k) When You Retire or Leave a Job

Explore the pros and cons of rollovers and find out how to rollover your 401(k) when you retire or leave a job. It’s a big financial decision. Get it right!

April 15, 2020

Podcast: COVID-19 Special Episode – Effect on Commercial Real Estate

Steve Chen, Chris Tokarski, and Kurt Altvater discuss the Coronavirus and COVID-19’s impact on commercial real estate, credit markets and lenders in the on-going pandemic.

April 10, 2020

Will the Coronavirus Impact on Investment Markets and the Economy Be Particularly Difficult for Retirees and People Close to Retirement?

Here are some thoughts from Jim Seifert on the economy and retirement amid the coronavirus crisis. Jim was a serial entrepreneur from age 17 until age 40. After which he was a financial Advisor for RBC Investments and Merrill Lynch Bank of America from 40 until 58.  He has an MBA and CFP(r) and worked…

March 16, 2020

NewRetirement Planner

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