Cognitive impairment in old age may not simply be the result of a random event such as Alzheimer’s or a stroke. There is increasing evidence that cognitive decline in old age is natural and inevitable, and cannot be slowed by education or intelligence, nor by so-called brain exercises such as solving crossword puzzles. Our brain,…
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Kravitz, a national designer and administrator of corporate retirement plans, recently released their 2012 National Cash Balance Research Report, which indicates that cash balance plans continue to grow much faster than all other types of retirement plans. In 2010 (the most recent year for which IRS reporting data is available), the number of new cash…
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The Wall Street Journal recently reported that the IRS will be going after taxpayers that made contribution or withdrawal errors in their IRAs. There were over $280 million in uncollected tax penalties in 2007, according to the Treasury Inspector General for Tax Administration. That’s low-hanging fruit for a federal government strapped for revenues. With this…
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I’m frequently asked by people facing layoffs or early retirement whether or not it’s better to keep your pension and 401(k) or roll them over to a traditional IRA (assuming the pension allows lump-sum rollovers). Here is a table comparing these choices. Given all these differences, what’s the right choice? It depends. If you are…
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According to a recent Employee Benefit Research Institute study, the proportion of retirees living below the poverty line has been growing steadily since 2005. Poverty rates for people ages 65 to 74 climbed from 7.9 percent in 2005 to 9.4 percent in 2009. The increase was even steeper for older retirees, jumping from 7.6% to…
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Two recent studies, one at the National Bureau of Economic Research (NBER) and the other at The Center for Retirement Research at Boston College, found that when people are better informed about what their savings will be worth in the future, they save more. Although both studies focused on younger savers, the results suggest that…
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