Annuities have been getting some bad press in the financial planning community. Financial planners tend to denigrate them due to their cost – “They have way too many fees, many of them hidden” – or due to the fact that they are not hedged against inflation, effectively reducing their usefulness at exactly the time (later…
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Richard Rubin and Margaret Collins at Bloomberg News recently reported that conversions from traditional IRAs to Roth IRAs increased more than nine times in 2010, according to the Internal Revenue Service. Taxpayers converted $64.8 billion in 2010, as compared to $6.8 billion in 2009. This was the first year that Roth conversions were greater than…
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Traditional Individual Retirement Accounts (IRAs) and Roth IRAs have been around for some time now. For those of you unfamiliar with the difference, a Roth is the inverse of a traditional IRA. That is, contributions made to a traditional IRA are tax deductible when made, but taxed when withdrawn, typically beginning at age 71. With…
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There’s been lots of speculation that Baby Boomers – the wealthiest generation in American history, not to mention one of the largest – have the potential to seriously impact equity returns as they use up their savings during their retirement years. A newly released Vanguard research paper offers a number of reasons why investors have…
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Conventional wisdom has it that young investors should allocate a large portion of their savings to stocks – a high return, high risk asset class – when they first start investing their savings, and then slowly reduce their stock allocation as they approach and then surpass retirement age. By the time they reach their eighties,…
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I received a call last year from a woman who’d sounded desperate. “I was just offered an early-retirement package from my company,” she’d said, the words rushed from anxiety, “and I’ve got two weeks to make a decision. Can you help me?” I had groaned inwardly, imagining the late nights ahead struggling to collect the…
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