Popular investing wisdom states that the younger you are, the more time you have to ride out market cycles and therefore the more aggressive and growth-oriented you can be in your investment choices. But that is not how individuals surveyed recently are thinking or behaving with regard to their retirement investments.In fact, the new study […]
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‘Retirement Planning’ Category
When the growing problem of student loan debt is discussed in media reports, most of us assume the borrowers in question are young people in their 20s and 30s. But new government research has revealed that the number of Americans aged 60 and older who are still saddled with unpaid student loans has risen precipitously […]
“This generation got no destination to hold We are volunteers of America” “Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics as a call to action, though for a different period and place. Even with the passage of time and through a lifetime of changes, the desire of baby […]
The average credit card balance in March 2014 was $15,252, down from its peak of $19,000 in early 2009.¹ With the average credit card annual percentage rate sitting at 14.95%, it represents an expensive way to fund spending.²Which leads many individuals to ask, “Does it make sense to borrow from my 401(k) to pay off […]
The use of Roth 401(k)s by retirement plan sponsors has been on the uptick for the past several years. According to research conducted by PLANSPONSOR.com, 52.4% of employers now offer a Roth-type defined contribution account, compared with only 11% in 2007. Among the largest plans (those with more than $1 billion in plan assets), 61% […]
The good news for Medicare is that the program’s outlook has improved considerably in the past year. According to the trustees, Medicare’s Hospital Insurance Trust Fund is in good shape until 2030 — that’s four years longer than the trustees projected last year — and 13 years longer than they anticipated the year before the […]
Say so-long to the days of “empty nesters,” when parents would make life changes once their children had moved out and moved on. It is more likely that parents today are dealing with a “full nest.” A study in 2010 by researchers at Columbia University using the U.S. Current Population Survey found that 52.8% of […]
One of the key determinants of retirement income planning is the expected rate of return on your investments. Conventional analysis typically relies on long-term performance averages to gauge a retiree’s spending limits. Increasingly, however, planning experts say that for those who are withdrawing from a portfolio, it is not just the average rate of investment […]
As Baby Boomers grow older — and presumably wiser about economic matters — more are finding themselves in a position of caretaker for elderly parents. Raising the topic of money with parents can be difficult. But with the right choice of words, timing, and tone, you can open the door to a meaningful conversation. Select […]
When financial markets turn volatile, some investors show their frustration by fleeing the markets in search of alternatives that are designed to offer stability. For example, in the week surrounding the U.S. credit downgrade by Standard & Poor’s Corp., investors pulled $23.5 billion from U.S. equity funds.1 Tip: Holding On. Ninety-three percent of those who […]
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