Myths and Truths of IRA Investing
- Partial Roth Conversions in Early Retirement: An Effective Strategy for Extending Portfolio Longevity. Washer, Kenneth // Journal of Financial Service Professionals;Jan2011, Vol. 65 Issue 1, p80
Roth conversions are beneficial to middle-class Americans with substantial tax-deferred accounts and modest taxable incomes. Those approaching retirement or in retirement perhaps best fit this description. A conversion strategy not only extends the life of a portfolio, it also protects against...
- YOUR PERSONAL TAX TOOLBOX. Yang, Jia Lynn // Fortune;6/25/2007, Vol. 155 Issue 12, following p104
The article examines retirement savings plans and provides information on savings strategies that will help retirement planners avoid paying too much in taxes. Information on the pros and cons, tips, and definitions are offered for 401(k) plans, stocks, which may, in some cases, be a better...
- Can I use my retirement savings to start a business? Revell, Janice // Fortune;2/21/2005, Vol. 151 Issue 4, p134
This article discusses how one can use money accumulated in a 401(k) or IRA account to start a business and how to do it so as not to trigger tax consequences. If you want to use your 401(k) plan savings to invest in a business, you'll first have to roll the funds over to an IRA, since 401(k)...
- Retirement plans offer equal opportunity business funding. Nilssen, David // Echelon Magazine;Jan/Feb2008, p36
The article discusses how the Individual Retirement Accounts (IRA) or 401(k) monies can be used as a flexible and convenient means of business funding. A purchase with retirement monies is considered a retirement account investment. The money can be utilized tax-deferred, like purchasing stocks...
- 401(k) rules require separate Roth, traditional accounts. Geisel, Jerry // Business Insurance;5/7/2007, Vol. 41 Issue 19, p29
The article focuses on Roth 401(k) contributions. Roth contributions can only be made when the feature is included in a traditional 401(k) plan or a 403(b) plan, the nonprofit sector's equivalent of a 401(k) plan. Unlike traditional 401(k) contributions, which are made with pretax dollars, Roth...
- Auto-rollover of 401 (k) balances: Why it matters. White, Jane; Meigs, Rick // Employee Benefit News;Mar2006, Vol. 20 Issue 3, p51
Discusses the importance of auto-rollover of 401(k) balances. Basic rules of investing for retirement; Reason for favoring the Individual Retirement Account rollover strategy over the employer-plan rollover; Ways retirement savers can minimize investment risk.
- NO FUN WITH FUNDS. Elswick, Jill // Employee Benefit News;Jul2003, Vol. 17 Issue 8, p23
Reports on 401(k) investment options. Move of plan sponsors to reconsider the investment options offered in their 401(k) plans; Factors that influenced their decision to reconsider; Move of participants to stack their portfolios with the most recognizable brand names and hot funds.
- Please don't take the money and run. Pethokoukis, James M. // U.S. News & World Report;11/06/2000, Vol. 129 Issue 18, p67
Discusses 401K options for employees leaving a job. Mention of penalty and income taxes; Possibility of transferring the account to a new employer's plan; Independence of an individual retirement fund, where individuals make their own investment choices.
- Top 10 Mistakes by Annuity Investors: Retirement Scan. // Financial-planning.com;2/25/2015, p1
The article discusses the common mistakes when choosing an annuity product. Topics include avoiding good-to-be-true propositions, contractual guarantees and annuities based on market growth, advice on purchase from high-rated carriers and long-surrender charge periods, and financial help for...