401k Stable Funds Experience 2009 Instability

Stable funds, which are investments that can only be bought and sold through various tax-deferred pensions, gained in popularity when Wall Street fell in 2008. Stable value funds, as a whole, were able to edge out the market and produce an average 4.7% return last year compared to near 40% declines for major market indices. …

Read more401k Stable Funds Experience 2009 Instability

Which SEP IRA is Best For Your Retirement?

SEP (Simplified Employee Pension) IRA accounts are a great way for small business owners and self employed individuals to invest a portion of their company profits for their retirement. You may qualify for a SEP IRA if you own a C corporation, S corporation, sole properitorship, LLC, or joint venture partnership. SEP IRA Benefits Easy …

Read moreWhich SEP IRA is Best For Your Retirement?

Are Your Retirement Funds Protected from a Layoff?

In an age where virtually every one of life’s biggest expenses are covered by “expendable” company benefits, many investors and employees alike are growing more concerned over their financial future – with good reason.  1.2 million jobs were shed in the first two months of 2009, and the trend is not expected to buck.  However, …

Read moreAre Your Retirement Funds Protected from a Layoff?

Why You Should Forget All You Know About Investing

Financial advisors have long recommended that investors tone down their portfolio risk as they age to prevent the chance that falling equity prices will stifle retirement plans. However, as many have experienced over the past year and a half, stock prices have fallen off a cliff and now threaten the retirement of millions of people. …

Read moreWhy You Should Forget All You Know About Investing

Reverse Mortgage 101: Is It Right for Your Golden Years?

Many senior citizens are bombarded by advertisements promoting new reverse mortgage offerings, which can offer extra income during retirement. A reverse mortgage essentially entails selling your home in pieces for monthly payments. It does provide an excellent source of much needed income for many seniors, but it can also prove to be a costly way …

Read moreReverse Mortgage 101: Is It Right for Your Golden Years?

5 Ways to Reduce Your Portfolio Costs

A global recession has every investor looking for ways to reduce costs. From the number of times we visit fast food restaurants or how we regulate the home thermostat, it seems like everyone is beginning to track every dollar. With the markets in distress and retirement accounts taking a nosedive, it might be time to …

Read more5 Ways to Reduce Your Portfolio Costs

How to Borrow From Your 401k the Right Way

Financial advisers will never recommend that you borrow from your 401k – and for good reason. Unfortunately, life does not always go to plan, and making a decision on borrowing quickly becomes a reality. In the days where employment is dropping along with incomes, it’s comforting to know that you’ll be able to get a …

Read moreHow to Borrow From Your 401k the Right Way

How the New Withdrawal Law Will Impact Retirement Accounts

A new law was passed in December to allow retirees to suspend their withdrawals from IRAs in order to shore up their accounts after large 2008 losses. Prior to the legislation’s passion, retirees over 70 and a half years old, as well as those people who had inherited accounts, were mandated to withdrawal a minimum …

Read moreHow the New Withdrawal Law Will Impact Retirement Accounts

ETFs are Becoming Better for Retirement Investing

Exchange traded funds received their start from active day traders and swing traders looking for better ways to trade Wall Street’s indices. Today, there are ETFs for everything, ranging from certain commodities and sectors to an entire country’s stock exchange. ETFs could easily become the future of retirement investing for a variety of reasons. What …

Read moreETFs are Becoming Better for Retirement Investing

Why You Need to Supplement Your Income During Retirement

The prospect of retirement triggers good feelings, including the idea of spending extended periods of time traveling the world and living on the fortunes amassed after years of hard work. However, with the economy in shambles and the future of entitlement programs currently up in the air, it seems that many future retirees may have …

Read moreWhy You Need to Supplement Your Income During Retirement