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Retirement

The One-Fund Plan

If you’re stymied about where to start investing, consider a basic all-in-one fund called a target date fund that puts your financial plan on cruise control. Well, sort of. Let us explain: First, you pick a fund that’s targeted toward your desired...

Rollover Details You Need

When you leave a job, should your 401(k) account go with you? Many financial planners say yes. How come? You can move your 401(k) to an IRA at the brokerage firm or fund family of your choice, presumably giving you more (or better) investment...

The Best Way to Talk About Retirement

Do you and your spouse talk about when you want to retire, how you’re saving for it, and where you’ll spend those allegedly golden years? Probably not. Couples are so out-of-sync when it comes to retirement planning that 73% disagree about whether...

How Fees Eat Up to 17% of Your 401(k)

About 70% of people with 401k plans have no idea that they are paying a small fortune in hidden fees, a survey this year by AARP found. That’s changing now, as new federal rules are requiring that plan providers—like Schwab, Fidelity, Vanguard,...

Tips for Picking a Financial Adviser

Women need to get the max from their money to cover longer lifespans and the occasional career hiatus. "But I don't have that kind of money!" you might say. These days, getting the help of a pro doesn't have to cost much. Investing in one hour...

Why is Rolling Over My 401k So Doggone Tough?

I’ve been meaning to roll over my 401k ever since I left my job in 2008. Like many financial chores, it seemed like a pain—even though every personal finance expert makes it sound like rollovers are a snap. News flash: They’re wrong. First, the...

Pay It Forward on Tax Day

Getting your returns files is one reason to look forward to tax day. But it’s a major money day for another reason—it’s the last day you can contribute to your traditional or Roth IRA. That’s right, Uncle Sam kindly gives you until tax day to max...

Don’t Pick the Right Stock

When you’re thinking about what should go into your retirement portfolio, ideally, it’s all too easy to get the order wrong, and focus on the investments first. Which mutual funds should I pick? Which bond funds? Which stocks are the best? In...

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