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While there are a variety of investment options available to everyone, an astute investor must practice good fundamentals to control risks and optimize potential returns, including taking the time to be informed. As stated by Peter Lynch, renowned manager of…
When you’re young, it feels like retirement is so far away. And there are competing priorities for your money, like vacations, saving for a house, or buying a new car. It’s no surprise the Federal Reserve found that only 37% of adults…
Saving for retirement isn’t always easy, but there are significant income tax benefits to low- and moderate-income families who choose to prioritize these long-term savings. The Retirement Savings Contributions Credit (otherwise known as the “Saver’s Credit”) is a tax credit designed to…
Saving for retirement is an important part of planning for your financial future. Many employers offer special retirement accounts called 401(k)s that employees can use to receive a tax incentive for saving for retirement. Many employers also make contributions on top…
The bad news: Most Americans don’t exactly excel at saving for retirement. A 2019 study by Transamerica found Americans have a median retirement savings of only around $50,000. That may not even cover one year’s expenses in retirement, let alone 30…
Study after study shows that Americans aren’t saving enough for retirement. News articles about this problem usually conclude by urging workers to step up their savings and set aside at least 10% of their income in their workplace 401(k) plan. But…
When it comes to retirement savings, there’s good news, bad news, and more bad news. The good news is that most Americans today have access to a workplace retirement plan, such as a 401(k). A 2018 study at Stanford University…
In late December 2019, President Donald Trump signed into law the Setting Every Community Up for Retirement Enhancement Act (SECURE Act). Many of the changes volleyed around Capitol Hill for years, and proponents tout them as the most comprehensive retirement…
If you work for a public school or nonprofit organization, you might have the option to participate in a 403(b) plan. What is this lesser-known retirement plan, and should you sign up? Before you make your decision, understand how a…
In order to contribute to an individual retirement account (IRA), you must have earned income, right? Although that’s true for most people, the IRS makes an exception for nonworking spouses. The government acknowledges that in some households, one spouse stays…
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