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With tens of millions of baby boomers already retired millions and more likely to enter retirement in the next decade, the hard truth is that only a small minority are accumulating enough savings to provide for their income needs during decades in retirement. This uncomfortable...

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...

We all want to achieve retirement security—and to maintain our sanity during volatile market periods. If we could only predict tomorrow’s markets, we would handily satisfy these needs—we would be able to sell before a market decline and buy at the bottom. Truth be told,...

“Some people spend more time planning a two-week vacation than they do their retirement.” ~ Anonymous Retirement is a passage from one lifestyle to another. One way to think of the term “retire” is by placing a hyphen between the ‘e’ and the ‘t’...

The IRS requires that funds be withdrawn from nearly all retirement accounts, including traditional IRAs, 401(k) plans, and SEPs. These withdrawals are known as required minimum distributions, or simply RMDs. Once a retiree turns age 70½, the withdrawals must be made annually....

The February edition of Computerized Investing is now available! This month includes: The Top 11 Sites for Personal Finance, Retirement Planning and Tax Resources An update of the websites that offer the best guidance and tools for personal financial planning issues, including budgeting,...

This article deals with several important retirement questions: “How much money do I need in my investment portfolio at the start of retirement?” and “How much can I safely withdraw from my investment portfolio during the retirement years?” While it’s not possible to...

What’s the key to making good investment choices? It isn’t necessary to understand the inner workings of the securities markets or the mathematical economies underlying investment theory. Instead, 10 axioms of effective investing provide the critical cornerstone for...

This article originally appeared in the October 2013 issue of the AAII Journal. There are many complex rules governing Social Security benefits. However, four key points can help you make an informed decision about when to claim benefits. To simplify the discussion, several assumptions...

This article originally appeared in the October 2013 issue of the AAII Journal. How can you make sure you never run out of money in retirement, even though you don’t know exactly how long you’ll need it? In the past, one simple and elegant solution to the above problem was...