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Many investors today who had planned to retire early at 62 when they became eligible for Social Security benefits—albeit at a reduced rate compared with retiring at full retirement age—are discovering that those benefits, combined with their retirement savings, cannot support...

Social Security is the proverbial third-rail of politics: it is an issue that evokes such passions that it is considered untouchable. Unfortunately, that mentality, among several factors, has put the Social Security system in a potentially precarious situation. As the Baby Boomer...

The Social Security Administration (SSA) announced that, based on the increase in the Consumer Price Index from the third quarter of 2016 through the third quarter of 2017, Social Security and Supplemental Security Income beneficiaries will receive a 2% cost of living adjustment...

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...

Over the last couple of decades, the definition of “retirement” has changed significantly. Gone are the days that 30 years of service to a company meant a gold watch and company-funded pension upon retirement. Today, the burden of funding retirement, for the most part,...

An interesting point was brought up at this week’s CFA Institute’s Financial Analysts Seminar: retirement is a long enough period of time for something to go haywire. The point was brought up by Barton Waring, a retired chief investor officer for Barclays (which is now BlackRock)....

The new retirement savings account rules announced by the Labor Department yesterday did not let individual investors out of their responsibility to oversee their savings and are not as harmful as some critics would make them out to be. Rather, the rules rightfully require that...

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...

There is some good news for investors: The war on expenses is continuing. Vanguard recently filed with the Securities and Exchange Commission (SEC) to launch two funds with total annual operating expenses of 0.01%. That is not a typo; the expense ratio was copied and pasted directly...

Momentum indicators are commonly used to find winners. Winners are stocks with comparatively higher price returns. In normal market conditions, momentum indicators work well on an aggregate basis. Momentum indicators can lose their usefulness in turbulent market conditions, in...