Retirement
12 articles
Just because you opened a 401(k) with one employer doesn’t mean you have to leave your money there after you leave the company. You can roll over your retirement savings from one employer-sponsored account to another, or to an individual retirement account (IRA). Learn how to roll over a 401(k).
Even if you have a retirement nest egg, you run the risk of outliving your savings. An annuity is a contract that guarantees a series of payments for a period of time, sometimes even for life. Learn what an annuity is, how it works, the different types of annuities, and their pros and cons.
Fixed annuities offer guaranteed, generally low rates of returns, but variable annuities add equities exposure to offer the potential for higher returns — if the market cooperates. Learn how variable annuities work, how they differ from other types of annuities, and the potential benefits and risks.
For years, the traditional 401(k) plan has been the most popular workplace retirement account. However, there’s a new alternative that’s been growing steadily in the past decade: the Roth 401(k). Learn how a Roth 401(k) works and whether it’s right for you here.
The simplified employee pension individual retirement account (SEP IRA) helps self-employed workers save for retirement and get similar tax benefits as employees with traditional retirement plans. Learn SEP IRA rules and eligibility, and the pros and cons of these accounts for small-business owners.
Keogh plans are lesser-known retirement vehicles designed for the self-employed. Although they can be difficult to qualify for and administer, they offer incredibly high contribution limits for those looking to catch up on retirement savings. Learn about Keogh plans and their pros and cons.
You want to do all you can for your children. But diverting money from your retirement to cover your kids’ college expenses can lead to financial disaster. Learn how to decide whether to save for retirement, your kids’ education, or both.
You have many retirement account options, with rules and contribution limits that change regularly. Congress has raised the contribution limits for some retirement accounts but not others. Learn the rules and this year’s contribution limits for whichever accounts you personally use.
Vanguard and Fidelity are giant investment firms that offer a range of affordable investment services and platforms. Despite all they have in common, enough sets them apart to warrant a closer comparison. Learn the differences between these two investment firms to find out which is best for you.
Vanguard Brokerage Services is a super-affordable online brokerage for self-directed investors. It’s one of the best digital platforms for confident and novice investors alike to build diversified portfolios without excessive commissions and fees. But is it the right choice for you?
Rather than picking individual stocks or other assets, many investors turn to exchange-traded funds (ETFs) or mutual funds to give them diversified exposure to the market. Which type of fund is the better option? Learn the key differences between ETFs and mutual funds and which is best for you.
Self-employed people can choose from several different retirement plan options. These include traditional and Roth IRAs, SEP IRAs, SIMPLE IRAs, solo 401(k)s, and even a self-employed pension. The best fit for you and your business depends on your business structure, number of employees, and income.
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