Retirement Saving & Investing

  • How-To Make Your Retirement Investments More Conservative

    Everywhere you turn, the advice is the same, if you have more than five years to retirement, don’t worry about the ups and downs of the market. If you are close to retirement make your portfolio more conservative. But how?
    By Brian Nelson May 25, 2011 

  • The Spouse as IRA Beneficiary: Financial Considerations & Investment Options

    This article gives particular attention to the spouse as IRA beneficiary, whose financial considerations & investment options are more extensive than that of a non-spousal beneficiary. However, due to lack of familiarity & economic need, most...
    By ciel s cantoria May 23, 2011 

  • Why Not to Invest in a Fixed Indexed Annuity

    The promise of an annuity is simple - put in a set amount of money and receive a stream of payments until you die. However, there are downsides to this type of investment such as a lack of flexibility if your financial needs change.
    By Winston Smith May 21, 2011 


  • What are the 2011 Roth IRA Contribution Limits?

    Roth IRA owners have been searching high & low for the 2011 Roth IRA contribution limits. Actually, what's new for Roth IRA are the modified AGIs, on which new contributions will be based.You'll need to calculate, which tends to be confusing;...
    By ciel s cantoria May 19, 2011 

  • Taxpayer Knowledge: Understanding IRS Rules on Distributions

    Taxpayers who took distributions from their IRA during 2010 may be wondering what is the tax rate on IRA withdrawals in 2011. The rules are complicated and apply to taxpayers differently depending on the type of IRA distribution that is taken. It is important...
    By Finn Orfano May 11, 2011 

  • Will Mutual Fund Dividends Provide Enough Cash Flow for Retirement?

    Mutual fund dividends can provide a useful stream of income. However, if you plan on using dividends from mutual funds for retirement, how much money do you need to invest for retirement and which mutual funds do you need to buy?
    By Brian Nelson May 10, 2011 


  • What Are the 2011 SIMPLE IRA Contribution Limits?

    A SIMPLE IRA is a great way to save and invest money for retirement. However, there are limits on how much can be contributed to a SIMPLE IRA. The 2011 IRA contribution limits for a SIMPLE are unchanged from 2010.
    By Brian Nelson May 9, 2011 

  • At 70-1/2 Your Simple IRA Contributions Must Stop

    The contribution age limit for a simple IRA is 70-1/2. You cannot contribute funds after that age. Also, you must begin taking distributions then. The amount you must take is determined by the amount in your account and your age. The IRS uses a specific...
    By George Adcock May 2, 2011 

  • Are There Changes to How Much I Can Contribute to My SEP-IRA in 2011?

    A SEP-IRA is a tax-advantaged small business retirement plan. Like many other qualified plans, the limits on contributions are changed from time to time. Have there been any changes in the 2011 contribution limits?
    By Brian Nelson April 30, 2011 

  • What Are The Reasons For Transfers From UTMA Accounts To 529 Plans

    The primary reason for transfers from UTMA accounts to 529 plans is to have more control over the use of funds. UTMA funds may be used for any financial needs for a child while 529 plans are specifically for educational expenses. Learn more about how...
    By Finn Orfano April 26, 2011 
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