Displaying 41 results
Administration explores ‘R bond’ as option for retirement accounts
Officials in the Obama administration are moving quickly to develop the investment infrastructure behind the president’s proposal for mandatory automatic enrollment in individual retirement accounts, which could be supported by the creation of Treasury-issued retirement bonds.
Time to fight back: Industry rails against new claims that the 401(k) should be ‘retired’
Providers of 401(k) plans have jumped to action over the past several days lambasting a critical article published Oct. 9 in Time magazine denouncing the 401(k) system.
Advisers find Roth IRA conversion opportunity a tough sell
With the upcoming changes to the Roth IRA conversion rules, some advisers might think that clients would be…
To annuitize or not: The debate continues
In my last column, I provided an analysis of the income guarantees from a life-only, immediate annuity versus the likelihood of running out of money if you kept your retirement savings invested in the markets. I received a lot of comments on that column, and I thought I'd respond to several of them.
Should clients annuitize their retirement assets?
With the decline in the stock market over the last year, there is renewed interest in lifetime income guarantees for retirees. So, does it make sense to annuitize retirement money or roll the dice with market based returns?
It’s time to rethink retirement plans
An investment fiduciary's duty of loyalty demands that the investor's best interests guide the decision-making process.
Market slump a catalyst for retirement income products
Although retirees have been hit hard by the recession, the world of retirement income products may actually be…
Frozen 401(k) matches are discouraging employees from contributing
As if people needed more of a reason to be down about their 401(k)s. Scores of employers,…
Protecting retirement assets from rising taxes
President Obama intends to raise income taxes on the rich, and since earned income is the source of…
Bill would let seniors take retirement funds through annuity
Retirees would be able to take a portion of their retirement savings in the form of an annuity if a bill introduced today by Rep. Earl Pomeroy, D-N.D., were passed into law.
Retirement assets plummeted in ’08, ICI says
U.S. retirement assets were down 22% at the end of 2008, compared with yearend 2007, according to a report released yesterday by the Washington-based Investment Company Institute.
It’s prudent not to count on Medicare and Social Security benefits in retirement planning
Two of the primary pillars of retirement security are not just on the ropes, but actually on life support.
One way to rebuild retirement savings
For retirement investors who are looking for long-term solutions to rebuild nest eggs, investing in U.S. companies that benefit from the newfound prosperity of people around the globe is one solution.
Diversity is still king for portfolio protection
Safety and security for retired investors have been overrated, and we need to think differently about these concepts and about diversification.
New law offers retirees financial flexibility
Thanks to the Worker, Retiree and Employer Recovery Act of 2008, anyone who would otherwise be required to take a minimum distribution from a retirement account can skip this year's withdrawal.
Lawmaker: Independent advice may bolster 401(k) plans
Roughly $2 trillion in assets have been sucked out of 401(k) plans in the last year, prompting scores of individual investors to lose faith in what's become the primary retirement vehicle for millions of Americans.
Americans fear theyll never retire, survey finds
Roughly one out of every three individuals believes that they'll never be able to stop working, according to a survey released by the Washington-based AARP.
Adding guarantees to the mix
Jokes about 401(k)s' becoming 201(k)s are no longer funny.
Reset Social Security and collect more
Consider recommending a little-known option: pushing the reset button on Social Security. This monthly benefit can be increased…
Rethinking inflation during retirement
Financial advisers must consider many types of risk when creating and executing successful retirement income plans, but perhaps none is more insidious than inflation.