Retirement

How Savings Bonds Can Boost Your Retirement Plan

Not long ago, when birthdays, graduations and weddings rolled around, many a gift envelope contained a U.S. savings bond. Today, bonds are mostly sold electronically, and only from the government (you could previously buy them from banks). And more than just being a grandparent’s go-to gift, savings bonds — like IRAs and CDs — can […]

Retirement

David Ning Shares His Thoughts on IRAs

When it comes to saving up for retirement, most personal finance experts and bloggers agree that there are significant benefits to a 401(k). However, IRAs can also be great tools for retirement saving. We asked David Ning, founder of Money Ning, for his thoughts on the benefits of IRAs. “It’s my personal opinion that everyone should […]

Retirement

4 Tips for Starting a Business During Your Retirement Years

Starting a business during your retirement years can be a productive way to spend your extra time while rounding out your savings. It’s also fun. In fact, 54 percent of working Americans plan to work during retirement simply for the enjoyment of it, says Fox Business. If you’re thinking about starting a new business during […]

Retirement

IRAs: What’s Your Required Minimum Distribution?

IRAs can be helpful tools in saving for retirement. But like any account, an IRA comes with rules and restrictions that you should know before you open one. One of the most important IRA-related rules is the required minimum distributionon traditional IRAs. The required minimum distribution (or RMD) must be taken by April 1 of […]

Retirement

How to Prepare for Your Retirement Health Care Needs

Think you’re putting away enough money to cover all of your retirement needs? What about when it comes to covering your health care? A 65-year-old couple retiring in 2012 would need roughly $240,000 to cover all of their health care needs during retirement — a 4 percent jump from last year’s estimate of $230,000 — […]

Retirement

Is Now the Right Time to Convert to a Roth IRA?

Thinking about converting to a Roth IRA? For some, there’s never been a better time to make the switch, says financial expert and blogger David John Marotta. On his blog Marotta on Money, he points out that Bush-era tax cuts of 2001 and 2003 are set to expire at the end of 2012. When they […]

Retirement

Retirement Saving Tips For Women

Is there a gender gap when it comes to saving for retirement? According to MSN Money’s Liz Weston, there definitely is. In a recent story, Weston takes a hard look at evidence that women are entering retirement with substantially less saved than their male counterparts. The median retirement savings for men was $33,547 in 2010, […]

Retirement

Savings Talk: Finding the Right Retirement Planning Strategy

When choosing a strategy to build your retirement portfolio, you’ll have to factor in such elements as your life expectancy and how much principal you need to preserve, according to investment research firm Morningstar. You’ll also need to consider where your retirement income will come from, whether that be IRAs, 401(k)s, Social Security, pensions, dividends […]

Retirement

5 Ways to Finance Your Retirement

With the economic setbacks of recent years, you may hear some people say they can’t afford to retire. While it’s true that deflated retirement accounts may put a damper on some retirement plans, there are still ways of generating retirement income. Here are five ways to help fund your retirement. You may even be entitled […]

Retirement

Questions from Free Money Finance to Help You Build Your Retirement Plan

Putting together your retirement plan takes a bit of clairvoyance: You need to predict the future, or at least predict your future needs, so that you can save enough in the present. Many people are unsure of exactly how to do this. A recent post at Free Money Finance by Todd Tressider offers six questions […]

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