Five things that people get wrong about retirement arithmetic. There is something about retirement that leaves investors in an arithmetic fog. Maybe it’s the marginal tax rate or the compounding or the deferral that gets their numbers all jumbled up. Here are five things that people get wrong about IRAs and 401(k)s, usually because they…

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It’s that time of year when, if you’re like most people, you begin to once again turn your attention to your IRA. The year-end statements are starting to trickle in, so you might feel the urge to re-evaluate things and perhaps make some changes. But, do you really know what you should be looking at?…

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Nearly 25 million people own Roth IRAs, according to the Investment Company Institute, but that’s a far cry from the number of Americans who could contribute to one if they wanted. While a Roth IRA isn’t the best retirement account for everyone, it has some distinct advantages that make it worth considering, especially for those…

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The IRS recently issued proposed regulations that will reduce required minimum distributions (RMDs) on IRAs, other qualified retirement plans, and annuities. It’s a small help for retirement account owners who don’t need all the money they’re required to take from their plans each year. Most owners of IRAs and other qualified retirement plans who turn…

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Picking a winner is harder than you think Holding a variety of assets reduces your portfolio’s overall level of risk. GETTY IMAGES/ISTOCKPHOTO One of the most important ways investors take care of their portfolios is by diversifying their holdings. If you’re not sure exactly what diversification is, or how to make it work for you,…

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Due to lower tax rates and the recently passed SECURE Act, those nearing retirement should consider a Roth conversion. For those nearing retirement, taking the right planning steps is even more important, given the narrowing time frame to leaving the workforce. This current year brings forth planning opportunities to help you achieve your retirement goals…

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