Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Investing IRAs

Found 19 Articles.
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6-misunderstood-ira-rules-and-strategies

6 Misunderstood IRA Rules and Strategies

January 12, 2018

IRAs aren’t the simple vehicles they seemed when they were new. What’s more, Baby Boomers have reached the stages of life when the rules are more complicated and full of pitfalls. Here’s a guide to the top questions my readers are asking about IRAs, and mistakes many are making. Required minimum distribution mistake #1.  Most […]

dos-and-donts-of-ira-investing

Dos and Don’ts of IRA Investing

August 1, 2008

Many people own substantial IRAs and do a lot of their investing through IRAs. These investors might not realize some investments are prohibited from IRAs and others are allowed but incur tax penalties. This issue is more important in today’s climate, because “hard assets” and other nontraditional assets-those that are doing well today-are primarily those […]

how-to-invest-ira-accounts

How to Invest IRA Accounts

July 1, 2007

IRAs seemed so simple when they were started. Make the maximum contribution; invest the money until retirement; and then take money over time to pay for retirement. Managing IRAs, however, requires more thought if one wants to maximize after-tax retirement income. One issue that is not considered enough is which investments are best held in […]

avoid-costly-ira-mistakes

How To Avoid Costly IRA Mistakes

August 1, 2006

Though set up to help regular people save, IRAs are fraught with complicated tax rules. Missteps can be made without the owner knowing it until it is too late to correct the problem. The result often is higher taxes and penalties. Sometimes the result is reduced IRA options. Here are some little-known but very common […]

ways-to-reduce-mortagage-on-IRA

Five Proven Ways to Reduce the Mortgage on your IRA

April 1, 2006

Most people who are busy accumulating large balances in their IRAs and 401(k)s forget that the IRS holds a mortgage on those accounts. You put pre-tax dollars in the accounts and let income and gains compound tax deferred. But that balance in the IRA is not all yours. The price for those tax breaks is […]

where-to-invest

How to Put Investments in the Right Places?

January 1, 2006

With today’s tricky tax law, the account in which you hold an asset can be as important as which assets you own. Unfortunately, too little attention is paid to the issue of which accounts should hold which investments. Most of us have more than one type of investment account: 401(k)s, traditional IRAs, Roth IRAs, taxable […]

bankruptcy-law-retirement-accounts

Does the Bankruptcy Law affect Retirement Accounts?

June 1, 2005

President Bush signed the new bankruptcy law, which we gave advice notice about in last month’s visit. Here are details of how the final law applies to pensions and IRAs. Retirement funds are exempt from the bankruptcy estate if they are exempt from federal income tax under tax code sections 401, 403, 408, 408A, 414, […]

new-deduction-for-ira-owners

New Deduction for IRA Owners

May 1, 2005

Many IRAs charge a wrap fee that includes money management, account maintenance, and perhaps other costs in one annual or monthly fee. A recent IRS private ruling states that many of these wrap fees can be paid with money outside of the IRA without the payment being treated as an additional contribution to the IRA. […]

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