Retirement Articles
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Roth Accounts: Not Only for the Young
Roth IRAs aren’t very old, but they al-ready spawned some rules of thumb. The most common rule of thumb for Roth IRA is that they’re for relatively younger people. Unfortunately, this rule of thumb is the result of some good research that is distorted and misapplied. It’s causing many people to not use Roth IRAs […]
Two Schools of Retirement Income
This post does a decent job of summarizing the two schools of retirement income planning, calling them the safety first approach and probability approach. It doesn’t cover the hybrid methods or ways of adjusting the approaches to individual situations. But it’s a good overview of the approaches and should help you decide which way might […]
A Look at the Highest Income Tax Returns
You can learn a lot from a summary of the 400 tax returns reporting the highest incomes. The IRS recently released those returns for 2010. The information is a little dated, but you still can learn a lot. The key takeaways are that the highest earners receive more than half their income for the year […]
The Late-Life Career Change
It’s never too late to try to switch careers, according to this post. Actually, she says 107 is too late. The keys are that you have to be sold on the career change and you can’t rely on submitting resumes to get you a job. You have to go about it the right way. Employers […]
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The Latest in Life Expectancy
Many people underestimate their life expectancy, and that makes it harder for them to make their nest eggs last. It doesn’t help that the professional actuaries are conservative. They don’t revise their official life expectancy tables very often and are careful not to overestimate expectancies for some reason. The big news is that the American […]
Medicare Enrollment Too Complicated
Many people elect to take Social Security retirement benefits before age 65. For them, the transition to Medicare is seamless. They are automatically signed up for Medicare Part B. But that’s not the case for everyone else, according to this report from the Medicare Rights Center. Problems signing up for Medicare are more than an […]
Do Recent High Stock Returns Mean Low Returns are Coming?
There’s nothing quite like looking at the data. I regularly run into people who say they’re betting that stocks are going to crumble because they’ve done so well since 2009. I ask for the data backing the statement, and they don’t any much. Here’s a thorough article addressing the question. The answers aren’t simple or […]
Avoiding Outliving Your Assets
Here’s a review of the recent Treasury Department decision to allow longevity annuities to be purchased in some retirement plans. The article discusses the importance of using some annuities in retirement plans to reduce or eliminate the risk of outliving your money. Not much new here, but it’s a good review of the basic arguments […]
