Retirement readiness
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Not ready to quit? Try partial retirement
You’ve worked a long career and you’re getting close to retirement—or maybe you’re already there. If you’re not ready to stop working , you may want to consider a partial retirement to remain involved at work or break out and learn something new while you stay social and make some money.
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What you should know before taking Social Security
If you’re getting close to retirement, you’re probably thinking about when you should start your Social Security payments. Determining when affects your monthly income for the rest of your life. Learn what you need to know before you apply for Social Security benefits.
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Mixing up your investments with a diversified retirement account
Deciding how to invest your retirement savings can be challenging. Employer-sponsored retirement plans often provide dozens of options to choose from. One thing most financial professionals agree on is that diversifying—or mixing—your retirement investments may help you build your savings and manage risk over the long term.
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What are the lifetime income illustrations on my 401(k) statement?
If you’re saving in a defined contribution (DC) retirement plan, you receive a quarterly statement that shows your account balance and investments. To help you see how much monthly income your account balance will generate, your statement will start including two lifetime income illustrations.
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Who regulates retirement plans?
Three U.S. government agencies play key roles in making sure that retirement plans are operated for the benefit of participants. Here’s what they are and what each one does.
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Seven financial planning mistakes to avoid
Healthy money habits can help you achieve your financial goals—children’s education, dream vacation, retirement—and avoid these seven financial planning mistakes.
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Can you take money from your rollover IRA?
As you move from one job to the next, you can accumulate retirement accounts along the way. Moving—or rolling—each account into an IRA is one way to help manage the complexity and volume. Be aware of the withdrawal rules, so you can avoid paying penalties and taxes.
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What’s a rollover IRA?
Learn about the options you have for your retirement plan when you leave your employer, including deciding whether a rollover IRA is right for you.
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Emergency savings—do you have the cash if a crisis occurs?
Life has a way of surprising all of us, at times—emergencies happen. An emergency savings account may sound like a luxury, but it’s an important part of getting your personal finances under control. To get started, you should understand why it’s so important and how much you need.
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What is Medicare?
If you’re approaching retirement, you’ve got a long to-do list. Enrolling in Medicare should be close to the top of that list. Here are a few critical things you’ll need to know about Medicare as you plan your retirement.
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