Viewpoints about Retirement savings
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Market downturns can help target-date investors grow their retirement savings
Periods of market downturns are stressful for all investors; however, historical data shows that participants are often rewarded through higher long-term returns. Encouragingly, even participants retiring as markets enter a downturn have an opportunity to recoup losses.
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Three rates of return to consider using for retirement planning
Interest rates, inflation rates, and rates of return, oh my! Many rates can help measure and evaluate your investments’ financial performance, so, let’s go through them.
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The Fed remains hawkish, but easing could occur in 2023
The U.S. Federal Reserve's decision to hike rates by 0.75% shouldn't surprise anyone—it was widely expected; however, the bank's latest economic projections caught markets off guard. Read more.
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Your retirement withdrawal strategy—four tips for managing inflation
When’s the last time you reviewed your retirement withdrawal strategy? If left unchecked, it could deplete your savings faster than you expected due to rising prices and changing economic conditions. Learn four tips for managing the effects of inflation on your retirement income strategy.
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How do you budget with an inconsistent income?
If you’re a gig worker, entrepreneur, or salesperson, or you work in a trade, you probably know how hard it can be to make a budget with your income changing from week to week. But the right budgeting can help with achieving your goals. Here are some tips to keep your finances in order when your income varies.
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How do interest rates affect retirement savings?
You’ve heard that the Fed is raising interest rates. But what does it mean to you? Rising interest rates can affect your wallet today and in retirement. Learn why interest rates matter and what you can do to help minimize their impact on your finances.
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Accessing your 401(k) money—withdrawals, loans, and hardships
The money in your retirement accounts is intended for, well, retirement. But that doesn’t necessarily mean you can’t access it if you need to. How you take your money out of your retirement account prior to retiring depends on several factors. The point is that you may have options—let’s go through them.
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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 to do with your retirement plan savings when you leave your employer
You have several options for your 401(k) plan when you change jobs or retire, but it's important to be aware of the opportunities and drawbacks of each option.
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