Is It Time To Convert Your IRA To A Roth?

JORDANSIMEONOV/GETTY IMAGES Tax rates are going up. Do your conversions now. That’s a starting point in the complex game of IRA manipulation. But the general rule must be accompanied by footnotes and provisos. For these subtleties we turn to Robert S. Keebler, an accountant in Green Bay, Wisconsin, who has elevated tax bracket management into an […]

Setting Up Reasonable Expectations For Your Retirement Savings

GETTY When we ask investors about their realistic expectations for returns on their retirement portfolios, the answers are often anything but: “Anything from 10% at the bottom to 15% at the top” is a common response. Keeping in mind that the average stock market return is around 8% per year, as measured by the S&P 500 […]

Employers Say 64 Is Too Old To Get A Job

Shutterstock When is someone too old to work and too old to hire? Employers and workers don’t agree, and that’s a problem. With so many people living well into their late 80s, 90s, even 100, many older workers need a job past 65, not just to stay engaged and healthy, but to save more for […]

The Only Time You Should Stop Contributing to Your 401(k)

fizkes (Shutterstock) From student loans, to medical bills, to simply putting food on the table, so much of managing your finances can feel like it comes down to getting by day-to-day. Retirement, meanwhile, feels like a distant dream. How can you even think about maxing out your 401(k) or Roth IRA when you can barely […]

Women Are Far Less Financially Prepared For Retirement Than Men

A study by TransAmerica found that men have more than double the retirement savings of women. (iStock) Many women aren’t financially prepared for retirement, according to a recent report from TransAmerica. Men have about twice as much money saved for retirement ($118,000) than women do ($57,000). Of concern, nearly a quarter (24%) of women currently have […]