/personal/Retirement/index.shtml Personal Finance / Retirement zh-cn <a href='http://www.dedecms.com' target='_blank'>Power by DedeCms</a> kkcba@163.com /personal/Retirement/2007092823393.shtml At an AARP Democratic presidential candidate forum in Iowa last week, Sen. Hillary Clinton said she would take the same approach to saving Social Security that "the first Clinton administration" did. "When my husband left office ... Social Security w 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823392.shtml Paying for your retirement years is likely the single most expensive undertaking in your life, and chances are you've already started financially preparing for it. But no matter how much you've saved for this next stage in life, your dream of retirem 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823391.shtml We've often discussed ways you can make the most out of your retirement plan. One of the biggest considerations--but certainly not the only one--involves choosing the right mix of investments. Because most employer-sponsored plans, such as 401(k)s or 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823390.shtml I replaced one of the downspouts of my gutter with a rain chain this summer. When a recent rain ran over the copper and brass links, it reminded me of how much rain chains are like retirement investing. The zen of investing Rain chains have a long hi 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823389.shtml Dear Tax Talk : I have a small nondeductible IRA that started in 1984 and I did not file Form 8606 with each of the small contributions I made throughout the past years. Next year I will have to claim my IRA. Is there anything that I can show as pro 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823388.shtml Dear Dr. Don, I can live on the bank's interest during retirement, so should I not touch my 401(k) until I am required to do so at age 70-and-a-half? On the advice of a smart friend, I will take Social Security at age 62 even though I won't need it. 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092021740.shtml Whether you're a RINK (retired, independent, no kids) or a DINK (dual income, no kids), you may find that building a nest egg for the golden years isn't enough. If you don't have children, you need to ensure that someone will look out for your best i 2007-09-20 Retirement 秩名 en.yinlu.net /personal/Retirement/2007091818078.shtml Companies will soon have more reason to do something fairly simple that could boost their workers' retirement income from 401(k)s by 50 percent or more - and workers won't have to do anything but stay out of the way. Come January, certain provisions 2007-09-18 Retirement 秩名 en.yinlu.net /personal/Retirement/2007091817472.shtml It's hard enough to save for retirement without having your employer working against you. But if your employer doesn't give you good investment choices in your 401(k), you'll find it even more difficult to reach your goals. A recent story in the Wall 2007-09-18 Retirement 秩名 en.yinlu.net /personal/Retirement/2007091415248.shtml You heard about the growing problem of Americans not saving enough for retirement? Check this out. Nearly half of respondents to a recent survey said they lose track of how they spend their pocket cash - on average, more than $2,000 a year. The study 2007-09-14 Retirement 秩名 en.yinlu.net /personal/Retirement/200709118649.shtml Goal No. 1 in retirement planning: Build your nest egg. But there's more to preparing for a rewarding retirement than saving money. Before you turn off your alarm clock for good, here are some choices you should start to make: Location. Where will yo 2007-09-11 Retirement 秩名 en.yinlu.net /personal/Retirement/200709087154.shtml Let's get one thing out of the way: your employer probably isn't the next Enron. Bad experiences make a huge impression on investors. A generation of investors who went through the Great Depression convinced themselves that buying stocks was basicall 2007-09-08 Retirement 秩名 en.yinlu.net /personal/Retirement/200709087153.shtml Dear Tax Talk: My husband qualifies for and is getting the blind exemption on our taxes, therefore putting us in a lower bracket. He is almost 10 years older than me and in poor health. I have an annuity through a local bank and a mutual fund accoun 2007-09-08 Retirement 秩名 en.yinlu.net /personal/Retirement/200709042702.shtml By your mid-40s, you've worked for at least two decades and, with any luck, built a nice nest egg. Now, don't blow it. "Around that time you should be shifting from accumulating assets to preserving assets," says Sue Stevens, director of financial pl 2007-09-04 Retirement 秩名 en.yinlu.net /personal/Retirement/200709042701.shtml People who have hit their middle years may be used to taking flak from their friends and children for not behaving or dressing appropriately for their age. (Picture a teenager rolling her eyes when she sees a track from one of her favorite bands on D 2007-09-04 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902679.shtml Dear Tax Talk: I have always tried to use the trustee-to-trustee method when rolling over IRA CD proceeds from one bank to another. However, the people at the branch of both the receiving bank and sending bank are no longer quite comfortable with th 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902678.shtml Once upon a time, I worked for a large investment firm that provided and serviced 401(k) plans. The building I worked in included a call center that supported participants in hundreds of plans. The firm required everyone who worked in the building to 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902677.shtml Equity-indexed annuities let investors have it both ways: They track the stock market's gains, but with less downside risk than an index fund or an exchange-traded fund. That's an appealing concept, particularly when there's so much concern about the 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902676.shtml BOSTON (MarketWatch) -- It's not a good idea to take money out of your IRA before you turn 591/2. It is, after all, money earmarked for retirement. But besides the consequence of spending money that might one day pay for cruises and Medicare Part B p 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902675.shtml I was brought up in Valley Station, Ky. On a recent trip back home, I had lunch with my friend Joanie. She talked about how the lives of her father, Bob, and her son, Jared, were indicative of the changing world of work in the U.S. (BusinessWeek.com, 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902674.shtml Dear Dr. Don, My fiancee and I are 22, and recent college grads. I currently make $50,000 net, while she makes $35,000 net. We've made the decision to save all of her income and live solely on mine. What is the best way for me to maximize this inves 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902673.shtml NEW YORK (MarketWatch) -- In today's increasingly complex world, a will may no longer be enough to ensure that your legacy ends up in the right hands. Wills originated in simpler times, which means they don't contain adequate provisions for things li 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902672.shtml A little known alternative to mutual funds -- the collective investment trust -- has been making slow but steady progress in the retirement market. CITs, also known as commingled funds or collective funds, were once limited to giant pensions and endo 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902671.shtml Generally speaking, I'm a big fan of rollover IRAs. The right rollover IRA offers nearly unlimited investment options and low fees, which beats trying to choose among the choices in an old employer's 401(k), hands down. Most people will change jobs 1 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902670.shtml Proctor Investment Managers has linked up with insurance companies to sell ETFs into 401(k) plans, packaged in a commingled fund. A commingled fund, or collective investment trust, is like a mutual fund, but it's not regulated by the SEC. Rather, it 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902669.shtml BOSTON (MarketWatch) - The fact that target-date and lifestyle mutual funds have become all the rage among retirement savers is undeniable. Whether or not that's entirely good news is debatable. Assets in these all-in-one, set-it-and-forget-it funds 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902668.shtml Big stock-market drops can be a boon for the young since they get to buy low and then let their investments grow for decades. But when you're about to retire, steep drops like the kind we've seen in the wake of the subprime debacle seem less like buy 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902667.shtml Dear Dr. Don, Can you have two Roth IRAs? I currently have both a Roth and a traditional IRA. I only have $85 in the traditional. Can I convert it to a Roth? I don't really intend to contribute any more to it. I don't want to roll this over into my 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902666.shtml NEW YORK (MarketWatch) -- Talking to aging parents about their financial circumstances can be an uncomfortable role reversal. But familiarizing yourself with your parents' affairs will bring you and them peace of mind in the event of death or serious 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902665.shtml The land Down Under is an up-and-comer. "This is the future nexus of growth. People who come in now will be early adopters," said William Buechler, president of Barclay Partners Asset Management in La Jolla, Calif. "I honestly believe it's similar to 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902664.shtml Dear Debt Adviser, If the economy crashes, I know my 401(k) will disappear, but my debt won't. So, I was thinking of raiding my 401(k) to pay off my credit card debt. What do you think? -- Stephen Dear Stephen, This is curious thinking. Do you think 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902663.shtml We all fantasize about retiring rich. We may spend decades working toward it -- saving, investing, and planning for a comfortable future. With a good plan, sustained effort, and a little luck, you'll arrive at retirement with a nice big nest egg. But 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902662.shtml Recent studies indicate that Americans need to inject their retirement plans with steroids. The studies offer a glimpse of our ability to kick back and enjoy our sunset years -- or sweat them out, as the case may be. Though some studies contain nugg 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902661.shtml CLS Investment Firm is teaming up with a retirement plan administrator, custodian and a record-keeping firm to offer ETFs in 401(k)s. Thus far, only a few firms have attempted to offer ETFs in retirement plans. BenefitStreet started offering 401(k)s 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902660.shtml SAN FRANCISCO (MarketWatch) -- Many American workers appear to be struggling to find dollars to stash away for retirement, but a report released Tuesday finds that those who consistently contribute to a 401(k) can see their nest egg grow substantiall 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902659.shtml How would you feel about doubling or tripling your 401(k) contributions? For some people, that may be the only solution if they want to maintain their current lifestyle in retirement. The Center for Retirement Research (CRR) estimates that 36 percent 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902658.shtml As F. Delmer Gorgen was preparing to leave the hospital following a second bout of pneumonia in three months, he was dreading the return home. I was so weak I couldn't do a thing. No housework, no cooking, says the 93-year-old Gorgen. I was thinking 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902657.shtml Dear Dr. Don, I am 43 years old and starting to think about retirement planning. My wife and I make about $50,000 combined. We are able to live rent free at the moment, and we have two rental homes, both rented, with combined mortgages of about $140 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902656.shtml Dear Dr. Don, My 78-year-old mother inherited $200,000, but she does not want the money in her name because it will affect her Medicare and her Social Security. What do I invest the money in and if it is put in my name, can I put it in different CD 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902655.shtml The first baby boomers are making plans for retirement, with their 401(k) plans stuffed with savings. In response to the pending onslaught of soon-to-be retirees, the insurance industry has metamorphosed into "retirement planning." However, it's prom 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902654.shtml Yesterday, I wrote about "tax-smart asset allocation," the process of sorting one's investments by the amount of tax liability they generate and trying to hold the worst offenders in your tax-advantaged retirement accounts. After that article was pub 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902653.shtml Nothing beats the thrill of picking a stock that skyrockets in value. Inevitably, though, some of your investments won't meet your expectations. How you deal with losing investments is just as important to your overall investing success for your reti 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902652.shtml Soaring stocks gave workers' savings a nice bump last year - but the latest numbers from Fidelity do not paint the picture of a cushy retirement. The median balance for those workers who had participated in their 401(k)s for at least one year rose 30 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902651.shtml SAN FRANCISCO (MarketWatch) -- For a small portion of U.S. workers, new 401(k) plan features are pumping up savings and participation rates, but those rates are stagnant among most of the millions of participants counted in Fidelity Investments' annu 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902650.shtml Dear Tax Talk: I have AIDS and have been on disability for many years. I have $20,000 in an IRA and want to use it for some facial surgery, as the disease and the years have not been flattering. I get disability income and Social Security benefits a 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902649.shtml If you've made a will and taken estate planning issues into account while managing your money, you may think you're all set. After your departure, your surviving loved ones will be provided for, and they'll know exactly who's supposed to get what and 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902648.shtml On the surface, so-called target-date mutual funds sound like a great idea. You name the date you plan to retire and select the appropriate fund. That, in theory, is your only decision. Just invest regularly in that one fund, and it does all the rest 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902647.shtml Most Americans haven't felt the recent decline in the dollar because the rest of the world, especially Asia, has either cut prices or tied their currency to the value of the dollar. That means the stuff we import from them hasn't risen in price. But 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902646.shtml Whenever Baby Boomers are asked what financial advice they have received, they tend to repeat the same old, tired ideas: Pay off your home mortgage as fast as you can. Sock away money in your 401(k) and IRA retirement plans. Diversify your retirement 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902645.shtml Dear Tax Talk, In 2002 my wife was laid off from her job. She was 55 years old at the time and she liquidated her 401(k) plan. The IRS later required us to pay a 10 percent early withdrawal penalty. It was my understanding that the early withdrawal 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902644.shtml Exchange traded funds finally are starting to get traction in the 401(k) plan market. BenefitStreet, which provides retirement plans to companies, started offering ETFs on its 401(k) platform in June, partnering with Barclays Global Investors. Spokes 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902643.shtml Dear Dr. Don, My husband and I are 60 years old and we have over $900,000 invested in stocks, bonds, mutual funds, CDs, etc. We have a favorite vacation place we go to a minimum of two weeks a year, and when my husband retires we hope to go more oft 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902642.shtml Dear Debt Adviser, I am a retired senior citizen, and I owe $30,000 in credit card debt. The debt was getting paid every month for seven years with no problem, but that was while I was working. Now that I am retired I can't afford to make the $600 p 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902641.shtml Untitled Document Dear Tax Talk, I have lost money in a Roth IRA mutual fund due to the bust in the technology sector back in 2000. This fund has been basically stagnant. Can I claim a capital loss if I liquidate or roll over the fund's entire amoun 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902640.shtml WASHINGTON (MarketWatch) -- Question: I am a single mom with a steady job and two extra small incomes a month. I have been at my full-time job for eight years and my previous job for 11. I just brought a home with the money from the sale on my old ho 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902639.shtml Procrastination is the greatest obstacle to most people accumulating a healthy, well-funded retirement account. There are hundreds of excuses you can use to explain why you aren't saving for retirement, but none of them are going to help when you tur 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902638.shtml New regulations intended to protect workers' pensions may have the opposite effect, leading some companies to stop offering the plans altogether. Defined benefit pensions, which have been on the decline for years, still cover roughly 44 million worke 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902637.shtml Well, now I know how to get your attention. In my recent article, "Avoid these 401(k) Mistakes," I wrote that it is always a bad idea to borrow from your 401(k). Judging by the flood of e-mail I received in response, a lot of folks disagree. Most rea 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902636.shtml Untitled Document Dear Tax Talk, My wife and I set up Roth IRAs for 2006 on April 15, 2007, and timely filed our returns by that date. Afterward, we realized we are over the income limit for Roth eligibility. Is there a way to convert the Roths to t 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902635.shtml If you travel regularly, it happens eventually. You'll be in another country, lying on a white, sandy beach or strolling through some charming village, when you turn to your significant other and say, "I could stay here for the rest of my life." The 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902634.shtml There's probably no faster way to lose your money in retirement than on health-care costs. Sure, Medicare for those of you over age 65 will pay for a lot. And for those who are truly in the lowest income bracket, Medicaid will pick up the cost of lon 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902633.shtml Dear Tax Talk, I own a home that's been rented for two years and seven months. I've only rented during that time as well. I am now purchasing a second home that will be my primary residence. Can I take any money from my IRA to help pay closing costs 2007-09-02 Retirement 秩名 en.yinlu.net