Thinking through your 401(k) can be pretty surprising. 401(k) is a descent program, but don't let that lead you into taking things for granted and not question the sufficiency of your account just because 401(k) has some good qualities. The commonly understood benefit of the program is that you can contribute to your savings account pretax. That is, not only can you possibly get a larger paycheck ... Full story

Most places of employment will offer a variety of retirement plans you can choose to make use of. Two commonly asked questions are whether a Roth 401(k) is the same as a Roth IRA retirement account and is either one better than a traditional 401(k) plan. While there are significant differences, any type of IRA & retirement plan investing is a great idea; for ... Full story

It is common for IRA retirement account owners to feel that they are in over their heads. Simple IRA limits and rules can be complex and intimidating. The rules regarding the contribution limits, when and how distributions are made, and who is allowed to be a beneficiary of the account are all things that can confuse people. The following article will help identify and avoid ... Full story

In the recent Vanguard’s study, the analysts have announced a decline of 17% in investors’ defined contribution accounts from January 2008 to March 2009 Many investors chose to stay put (inertia) rather canceling retirement plans contributions or withdrawing funds from their 401(k) plans under difficult market conditions. Despite their inaction, investors may still be concerned about their retirement saving, economic outlook and the market environment. The study ... Full story