Retirement Articles
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The Foundations Of A Great Estate Plan [Part 2]
Today, we’ll pick up where we left off last week, with more advice on making the most of your estate plan. Should Heirs Get Equal Shares of the Estate? Parents have several different reasons for considering leaving unequal shares of their estates to children. Some parents are tempted to leave a child less money because […]
Bob’s Journal for 7/22/21
Junk Bonds Aren’t ‘High-Yield’ Now The Federal Reserve’s monetary policy achieved at least one of its goals. The policy pushed investors out of safer investments into more risky ones in search of higher yields and returns. High-yield bonds typically offer yields well above those of treasury bonds and other safe income investments. Usually, the excess […]
Investors Start to Worry About the Fed
The stage is set for the second half of 2021 to deliver a strong, broad economic expansion, probably the best in a long time. There’s a strong foundation for sustained growth. Households improved their balance sheets during the pandemic, helped by stimulus payments and rising asset prices. Also, incomes are rising. Households, as a whole, […]
When Your Bank and Retirement Accounts Can Be Seized
In recent months, my email inbox received an increasing number of questions about the ability of banks or the government to seize bank accounts. The concerns were raised, of course, by articles and videos on the internet, and the creators are selling various products and services. Most of the presentations say accounts over $5,000 can […]
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The Power of Health Savings Accounts for Retirement Planning
The number of health savings accounts (HSAs) is soaring, but most account holders fail to take full advantage of the retirement planning power of HSAs. There were more than 30 million HSAs holding about $82.2 billion at the end of 2020, according to an estimate from Devenir, a firm that offers investment services to health-based […]
How a Trust or Estate Can Transfer an IRA to a Beneficiary Tax-Free
It is time to answer this question in the newsletter, because I have been receiving emails regularly asking about it. I advise my readers not to name a trust or their estate as beneficiary of an IRA, except for certain types of specially designed trusts. They also shouldn’t fail to name a beneficiary, because that […]
What You Need to Know About the Roth IRA Five-Year Rule
There’s a lot of interest this year in converting traditional IRAs and 401(k)s to Roth IRAs, and that’s caused a lot of people to ask about the confusing “five-year rule” for Roth IRAs. We recently had a teleforum with my readers, and the five-year rule was among the most-asked questions sent by email before the […]
What to Do Now, While Congress Deliberates About Estate Taxes
Congress is deliberating some of the most significant estate and gift tax changes in decades. The proposals being considered are for substantial increases in estate and gift taxes for many Americans. Most people say that they’ll simply wait to see what Congress does before considering changes to their estate plans.But there’s a big risk to […]
