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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Save for Retirement

5 Ways to Jump Start Retirement Savings

Take a look at your savings. How confident do you feel that your savings will enable you to have the retirement you want? “We are living longer,” says Reid Abedeen, an investment advisor and partner at Safeguard Investment Group. “Retirement now is considered 20 to 30 years of unemployment, so all the money you build…

October 13, 2015
Retirement investing

Retirement Investing: What You Don’t Know About 401ks Can Hurt You

How well do you know your 401(k) plan? If you’re like many Americans, you know more about your health insurance than this retirement savings device. Although your health is important, so is your retirement income to enjoy your good health later in life. Retirement investing takes a lot of forms, and an employer-sponsored 401(k) could…

October 6, 2015
save for retirement

Easy Ways to Save Money for Retirement

Are you saving all you can for retirement? We all know we have to do it.   But, the reality is that saving is hard. However, if you don’t save for retirement, you are likely to run out of money as you age. Easy Ways to  Save Money for Retirement It can sometimes feel like you…

October 1, 2015
asset allocation

What is Asset Allocation? Diversification? Rebalancing?

Asset allocation is a term that refers to the strategy you use to put your money into different types of investments. You are dividing your money across different asset classes like stocks, bonds and money market securities. Asset allocation tries to achieve the right balance of risk and reward as defined by your: Risk tolerance…

September 30, 2015
alternative retirement investments

A Personal Account of Investments Beyond Stocks and Bonds…

It is unsure what the financial markets will do in 2022, but there is evidence that people are looking for alternatives to the stocks. Recently on the NewRetirement Facebook group, Mary asked a question about alternative investment companies: “Anyone have experience with Fundrise, Crowdstreet, Yieldstreet, PeerProsper or any other alternative investment companies? Responses to the…

September 28, 2015
retirement investments

Retirement Investments: Beyond Stocks, Bonds and Mutual Funds

One of the beauties of living in the United States is that we have no shortage of money making schemes available to us. The problem is that there is a lot of complexity and inefficiency and some scams to avoid while finding great ways to grow our savings. And, while all investments involve risk, non…

September 28, 2015
Retirement Investments

Retirement Investments: Traditional Choices for Your Savings

Saving for retirement is hard.  Knowing how to invest and manage your retirement savings might be even harder — and more important.  The good news is there are increasingly new and better tools to help individual investors make good choices and automate the management of funds at a low cost. Here is a guide to…

September 28, 2015
Charitable gifts in retirement

Best Ways to Fund Gifts to Kids or Charities: a Personal Account

The following account of charitable giving comes from Henry K. “Bud” Hebeler.  Bud is a frequent contributor to the Wall Street Journal, Kiplinger’s Personal Finance, Market Watch and NewRetirement.  He also runs the Analyze Now web site. Over my 26 years of retirement, I must have done some things right because I have been able…

September 22, 2015
retirement withdrawal rules

No Retirement Withdrawal Strategy is Perfect, Particularly the 4% One

Saving for retirement is critical and investing those assets efficiently is important.  However, that is not the end of worries for retirement cash flow and security. When you retire, you have a new problem to be concerned with: how much can you withdraw each year without running out of money. The common rule of thumb…

September 15, 2015

7 Tips for Protecting Your Retirement Savings from Stock Market Turmoil

The saying: “what goes up, must come down,” is not always true of the stock market over the long term.  But when stocks fall in the short term, it is particularly troubling for those of us who need money for retirement. The financial crisis that started around 2008 severely impacted the retirement security of many…

September 2, 2015
Retirement advice

Real Stories: The Best Retirement Advice

Where would you look for retirement planning advice if you could talk with anyone at all? Would it be a trusted friend or family member, or maybe a celebrated financial advisor? USA Today Personal Finance Editor, Rodney Brooks, couldn’t ask his most trusted friend and relative – his father – so he set out to…

September 2, 2015
Saving for retirement

Expert Interview with Amanda Abella About millennials saving for retirement

Amanda Abella is a bestselling author, a business coach to millennials, and the creator of the Make Money Your Honey coaching process. She offers the free 5 Ways to Stop Sabotaging Your Chances of Making Money course on her website. Recently, she spoke with us about how and why retirement is something that millennials should…

August 27, 2015

Expert Interview with King Kovacs About retirement funding

“An individual should start to build their retirement nest egg by saving money immediately!” says King Kovacs. Mr. Kovacs of Mutual Interest Data Service, Ltd. follows this up by offering practical advice to help you get started on retirement funding today. Here, he discusses what mutual funds need to offer, what millennials need to know…

August 27, 2015
retirement investments

Expert Says to Avoid These Three Investments for Retirement Savings

By the time you hit retirement you should be able to kick up your feet, go on that vacation you’ve always wanted, or buy that dream house—not stress over your financial portfolio. While there are many fantastic financial tools that can help ensure a fruitful retirement, there are also certain investments that may cause more…

August 17, 2015
Retirement planning

Expert Nest Egg Retirement Planning Advice from Jean Setzfand

Do you feel like you don’t have enough saved for retirement? This can be a scary thought, especially if you are getting closer to retirement age. If you waited too long to start saving for retirement, you are not alone. One survey from Transamerica shows that 81% of Baby Boomers waited longer than is suggested…

July 28, 2015
Investing for retirement

Expert Interview with Benoit Poliquin About Investing for Retirement

A comfortable retirement won’t happen by accident. It requires an active decision from the potential retiree to seek expert advice and evaluate their financial standing. But what does that look like? To better understand the process of saving for sustainability, NewRetirement spoke with Benoit Poliquin. Benoit is the Lead Portfolio Manager and President at Exponent…

July 28, 2015
Wealth enhancement for retirees

Expert Interview with Jon Castle from Paragon Wealth Strategies LLC On Wealth Enhancement for New Retirees

In today’s uncertain economic climate, many new retirees are worried about outliving their pensions and retirement plans. In fact, 46% of investors in the United States are worried of running out of money in retirement, according to a Wells Fargo/Gallup survey from 2014. In light of an uncertain Social Security system, changing industries, and roller…

July 12, 2015

Retirement Planning: How Much Do I Need to Retire?

Your retirement goals aren’t like anyone else’s, but you can still use guidelines to help find the right plan. We all know that saving is important, whether we’re just starting out or growing close to retirement age. What a lot of us don’t know is “how much do I need for retirement.”  Is my plan…

June 3, 2015

5 Ways to Save for Retirement on a Limited Income

Even if your earnings aren’t what you’d like, you can still save toward a healthy retirement. Planning for retirement isn’t a luxury that only the wealthy can afford. In fact, the less we earn the more important our retirement savings becomes to our futures. While we need our income now for day-to-day essentials, we’ll need…

May 28, 2015

Expert Interview with Theresa Fette About Retirement Savings and Self Directed IRAs

For better or worse (or a little bit of both), the economic climate has irrevocably shifted in the last 15 years, and it’s not likely to stop anytime soon. The average employee tenure for a position is 4.6 years, according to The Bureau of Labor Statistics’s January 2014 report, instead of working for the same…

May 7, 2015
Investing for retirement

Expert Interview with Jon Petersen About investing for Retirement

Sometimes simpler is better. While we may appreciate complexity in our sports cars, our flavor palates, even our stock portfolios, understanding those portfolios should not be complicated. This is the main premise that inspired Jon Petersen to start the blog Novel Investor, where he investigate the nuanced, intricate world of finances and reports on his…

May 5, 2015
Retirement investing

Expert Interview with Joshua Rodriguez About Retirement Investing in Today’s Economy

Joshua Rodriguez, partner at CNA Finance, says the most common question he gets about retirement is, “When is the best time to start investing?” “The best answer I can give to that is the first day you get an allowance from your parents; so, if you haven’t started already…you’re a bit late!” he says. On…

April 21, 2015
Retirement plans

Expert Interview with Jaime Raskulinecz About Self-Directed Retirement Plans

The best way to retire the way you want to is to educate yourself. Jaime Raskulinecz of Next Generation Trust Services says individuals should take advantage of retirement professionals who are trained to help people from all backgrounds retire the way they want to. Here, Raskulinecz shares some tips about self-directed retirement for those interested…

April 14, 2015
Investing for retirement

Expert Interview with John DeGoey About Investing for Retirement

As a certified financial planner and finance expert with Burgeonvest Bick, John DeGoey has spent decades working with everyday people to figure out how to retire with a nest egg that’ll cover their needs. John was kind enough to share some insights with us about retiring – and how to do it right. What’s the…

April 3, 2015

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