Retirement Articles
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Shopping for Higher Income from Annuities
Your work isn’t done after you decide to add immediate annuities to your retirement portfolio. Immediate annuities can enhance your retirement. They provide fixed income that’s guaranteed for life. You can buy annuities with payments that increase with inflation if you want. We explained the advantages of annuities in our April 2009, August 2010, and […]
Reconsidering the Role of 401(k)s in Your Estate Planning
Classic Estate Planning advice to youngsters entering the workforce is that they should sign up for the employer’s 401(k) plan and begin saving money for retirement. It’s time to reconsider that advice. I’m not questioning the first part of the advice. Youngsters should begin saving as soon as they start earning money. The question is […]
July – August 2011
August 26, 2011 12:45 p.m. Your Retirement Finance Week in Review It’s up to Congress now. That’s the word from Ben Bernanke in his much-anticipated speech Friday in Jackson Hole, Wyoming. A few people circulated rumors earlier in the week that the Fed chairman would announce a new round of quantitative easing, and that caused […]
Getting Your IRA Beneficiary Right
Be sure to review the beneficiary designations of your accounts and keep them updated. If you do nothing else about estate planning, do that. Your IRAs and other accounts go to the beneficiary named in the account forms and the plan documents. Your will, living trust, and other documents don’t cover these accounts. These often […]
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What Your Will Can and Can’t Do for Your Estate Planning
A will is one of the most powerful documents you can write. A will can decide what happens to valuable property, even billions of dollars worth. It can decide who becomes the guardian of minor children, who controls a business or other entity, and how much of your wealth goes to the government. The will […]
Seeking Higher Yields for Safe Cash
The Federal Reserve is punishing savers. People who set money aside in safe, secure, liquid investments are losing purchasing power. The Fed is keeping short-term interest rates near zero. That means real yields (after inflation and taxes) are less than zero. Low interest rates aren’t good for some financial firms either. Yields on money market […]
Shooting Down Another Retirement Myth
One of the common beliefs about retirement is that after stopping work people migrate to warm weather states such as Florida and Arizona. A lot of people do that, but they’re in the minority. The bulk of retirees stay in the same states and even in the same counties where they lived during their careers. […]
Portfolio Diversification Harder to Accomplish
A buy and hold investor definitely needs investments that aren’t correlated with each other. Even investors who do some trading in their accounts want some diversification and balance. In recent years this has become harder to achieve. In the financial crisis, the correlation of all investments, except short-term treasury bonds, went to 1.0 or very […]
