Saving for Retirement

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What Is 401(a) Retirement Plan?

A 401(a) retirement plan is an employer-sponsored money-purchase plan that allows you to save money for retirement. Similar to other retirement accounts, 401(a) plans offer employees tax advantages. The employer defines how much the company contributes and the requirements you ...

Are Green Card Holders Living Abroad Eligible for Social Security Benefits?

Green cards give citizens of other countries the right to work and live in the U.S. These permanent residents like U.S. citizens, have FICA -- Federal Insurance Contributions Act -- payments for Social Security withheld from their paychecks. FICA taxes and wages build ...

Is There a Cap on Two-Earner Social Security Retirement Benefits?

If you've worked and paid into the Social Security system, then you're entitled to retirement benefits, either at age 62 (for early retirement) or later. The amount of your monthly Social Security benefit depends on your lifetime work record and the amount you've earned over all ...

When You Roll Over an IRA or Annuity Do You Pay Taxes?

An individual retirement account and an annuity are both used in retirement planning, but they are different instruments. An IRA is a sort of savings account, usually established with a bank or other financial institution. An annuity is a contract with a life insurance company ...

What to Do With Money in a 403(B) Retirement Plan When Leaving a Job

A 403(b) plan, also called a tax-sheltered annuity, is a tax-advantaged retirement plan for tax-exempt organizations, ministers and public school employees. If you leave your job, you typically have a few options with what to do with your 403(b) money. You may have to check with ...

What Is a Traditional IRA Certificate of Deposit?

A traditional individual retirement account certificate of deposit is a conservative way to invest for your retirement. By combining the tax advantages of an individual retirement account with the security of a CD, you can protect your long-term nest egg at little to no expense. ...

How Much Money Should I Put Into Pre-Tax Retirement Savings?

Comfortable living in your twilight years requires decades of careful planning and saving. Within your planning, you must decide on your types of retirement accounts, percentage to contribute and how to invest your money. Retirement accounts fall into two categories: pre-tax and ...

TSPs vs. Pensions

Taking advantage of your employer's retirement savings plan is a way to begin building your nest egg. Depending on where you work, you may be offered some type of pension plan or be eligible to participate in the Thrift Savings Plan. Pensions and TSPs are designed to help ...

Do 'Safe' Target-Date Retirement Funds Have Hidden Risks?

A target-date retirement fund is a way to put your nest-egg savings on autopilot. This type of mutual fund allocates money for investors based on the years remaining until the fund's target date is reached. This date generally matches your expected retirement year. The closer ...

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