Retirement Funds: Information on 401Ks, IRAs & Company Stock Option Plans

Retirement Saving & Investing

  • Is Buying a Second Home with Your IRA before Retiring a Good Investment?

    If you are considering buying a second home, you may wonder whether to take the funds out of your IRA account. While real estate is still considered by many to be a solid investment, there may be penalties involved in using IRA money to buy a second home...
    By Finn Orfano April 21, 2011 

  • 2010 IRA Contribution Limits and Income Limits

    There is never a bad time to invest for retirement. With the economy and stock market potentially growing after years of stagnation, now might be a great time to invest in your IRA. What are the 2010 IRA contribution limits and income limits?
    By Brian Nelson April 18, 2011 

  • How Do You Do Precious Metal IRA Investing?

    You have an IRA which is not making much money and you have heard about precious metal IRA investing. The profit potential from gold and silver is very good, so read on and discover a couple of ways to use your IRA for precious metals investing.
    By Tim Plaehn April 15, 2011


  • Is It Better To Have a 401k or IRA For Trading Stocks?

    Investing retirement accounts in the stock market is risky. Investors can theoretically lose 100 percent of their investment. However, trading stocks in 401(k) or IRA accounts is not the same as 401(k) accounts are not always fully vested...
    By Finn Orfano April 7, 2011 

  • How-To Know If IRA Is Tax Deductable

    Contributing to your IRA might give you a great tax deduction. How can you tell if you qualify for a deductible traditional IRA contribution?
    By Brian Nelson March 31, 2011 

  • When Can You Cancel An UGMA Account?

    UGMA accounts may be canceled under limited conditions. The death of the minor, transferring to a Roth IRA or when the minor reaches legal age of distribution are all circumstances when you can cancel UGMA accounts.
    By Finn Orfano March 30, 2011 


  • What are the UGMA Restrictions?

    UGMA restrictions impact all financial accounts that are set up by a custodian to benefit a minor. The most serious UGMA restrictions is that the account is irrevocable and must be used only for purposes that are specific to expenses for the minor. In...
    By Finn Orfano March 29, 2011 

  • Can You use UTMA Funds for a Roth IRA Contribution?

    For children who have begun working and have steady income, using UTMA funds for Roth IRA contribution may allow them to begin saving at a very young age for retirement. Roth IRA funds may have more flexibility than UTMA funds for college, home buying...
    By Finn Orfano March 28, 2011 

  • UTMA and UGMA Accounts - Understanding Termination of Parental Control

    Residents of New York often are interested in finding out the age of trust termination of an UTMA account in NY. This is because at the time of transfer, the funds automatically fall under control of the minor. In New York, the age of UTMA termination...
    By Finn Orfano March 28, 2011 

  • The Consequences of Excess Contribution to Roth IRA

    Knowing the consequences of excess contribution to Roth IRA should stir awareness among account holders that over-contributions could be costly if left unchecked. This article goes beyond providing information about its tax implications, by furnishing...
    By ciel s cantoria March 28, 2011 
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