Strategies for Married Couples: How to Coordinate Your Plans

Posted on January 8, 2012 | Financial Planning

Many employees think of their 401(k) plan allocations in isolation. But if you are married and your spouse works, you are both likely contributing to employee-sponsored plans. And if that is indeed the case, your allocation approaches should be “married” as well. After all, when you retire, you will be living off of both retirement plans as a couple, and following two separate approaches and two separate goals may result in neither goal being met. In addition, some 401(k) plans may offer better investment options than others.

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Does Social Investing Generate Higher Returns?

Posted on January 6, 2012 | Financial Planning

Companies with high social responsibility ratings outperformed companies with low ratings, but to get the highest returns, you should not shun shares of any company.

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The Basics of Portfolio Allocation

Posted on January 4, 2012 | Financial Planning

Learn what an asset class is and get some simple allocation strategies.

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Your Company’s Stock: A Good or Bad Bet for Your 401(k)?

Posted on December 23, 2011 | Financial Planning

There are upsides and downsides to owning company stock in your plan, including incentives offered by your employer and the fact that you are dependent on your employer’s future for your job security.

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Financial Planning with AAII

Posted on November 29, 2011 | Financial Planning

The fun part about a 401(k) plan is watching it grow over time. But that can easily turn into a frustrating exercise if you don’t understand your retirement plan statement.

Although your employer is required to provide you with a plan statement, there is no standardized form—most, in fact, are quite different. However, Figure 1 (see bottom of page) gives you an idea of some of the information that may be included.

The statement in Figure 1 is divided into several sections: activity this period, current contributions allocation, and a summary of contributions.
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What You Need to Know About Long-Term Care Insurance

Posted on October 14, 2011 | Financial Planning

When to purchase long-term care insurance is an important decision, with several trends pointing to the wisdom of purchasing earlier rather than later—for instance, in one’s 40s and 50s instead of at the more traditional purchase ages of 50s to 70s.

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