Retirement readiness
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How does investing work? The basics
You’d like to start investing, but you’re not quite sure how to get started. The basic concepts are simple once you break them down despite the fancy terms. Let’s go through some of the essentials so you can feel better about getting started.
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Renting versus buying a home
Is it better to rent or buy a home? The short answer is “it depends.” Here are some key financial, economic, and lifestyle considerations that can help you decide which option is best for you.
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Early decision: four considerations before your child applies to college
Think of early decision as potentially being in the VIP line for college admissions. While most admissions applications are due in January, early decision allows students to apply to their first-choice school by early November. If accepted, the student must withdraw any regular admissions applications and must attend the college.
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Three strategies for managing your debt
Most people have debt of some kind—a mortgage, student loan, or credit card balance. Learning the difference between good and bad debt and how you can manage them can help you reduce your stress and improve your credit score.
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How to get your retirement savings on track
Are you wondering if you should start putting money aside for retirement or if you’re saving enough? It's never too soon to start planning for your retirement. Here are some benefits of saving for retirement and strategies to help keep you on track.
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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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