Jun
22
Tips for Retooling Your Portfolio
Like a closet that isn't reorganized from time to time, a portfolio that isn't reviewed regularly can leave you feeling like the pieces no longer fit. Last year, for example, stocks, as measured by the S&P 500 had annualized returns of 13.69%.1 U.S. investment grade bonds gained 5.97%, while international stocks declined -4.49%.1 Given this diverse composite of returns, a portfolio that began 2014 carefully allocated between stocks and bonds could now have shifted away from your intended asset allocation.2 Getting your portfolio back on track is critical because studies have confirmed that asset allocation is the single most important determinant of investment success. Restoring...
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Apr
21
What Is a Stretch IRA?
A stretch IRA is a traditional IRA that passes from the account owner to a younger beneficiary at the time of the account owner's death. Since the younger beneficiary has a longer life expectancy than the original IRA owner, he or she will be able to "stretch" the life of the IRA by receiving smaller required minimum distributions (RMDs) each year over his or her life span. More money can then remain in the IRA with the potential for continued tax-deferred growth. Creating a stretch IRA has no effect on the account owner's RMD requirements, which continue to be based on his or her life expectancy. Once the account owner dies, however, beneficiaries begin taking RMDs based on their own life expectancies. Whereas the owner of a stretch IRA...
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May
15
Debt and 401k Retirement Savings
Debt and 401k Retirement Savings In a survey conducted by Nationwide Financial Services, 42 percent of those workers surveyed say they do not contribute to a 401k plan because they cannot afford it. This is an alarming number of you and this lack of retirement savings today will have an extremely negative impact on your standard of living during the "golden" years of retirement. If you are one of those workers who is not yet contributing to your 401k, you need to rethink your decision - yes, this also applies to those of you who are in their 20's and early 30's. Since debt continues to be the number one reason most workers don't participate in their 401k, we want to give you some simple tips on how to start funding your retirement...
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