Saving for Retirement

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Ground Rules for Retirement Investing

As social security concerns grow and pension plans get phased out, the need for individuals to invest for their own retirement has become essential. The basic rules for investing are simple but effective. Whether you're 20 years away from retiring or already retired, there are ...

What Should Your Nest Egg Be When You Retire?

How much of a nest egg you need at retirement depends on several factors specific to your financial situation. The biggest factor is how much of your retirement income needs to come from that egg. If you have a pension, as well as Social Security, your nest egg will be for ...

The Tax Consequences of a Whole Life Annuity

When you buy a whole life annuity, you are entering into a contract with an annuity company. In exchange for your deposit, the annuity company agrees to give you payments for the rest of your life. The IRS created several tax benefits for the whole life annuity to help Americans ...

What Is Better, a Roth IRA or a Universal Life Policy?

The Roth IRA and Universal Life Policy are both investment vehicles that can be used to build retirement savings tax-free. The key differences between them make each more attractive for people with differing needs. Determining which is better for you depends on your personal ...

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. ...

Is the Federal TSP a Good Investment?

The federal Thrift Savings Plan was created in 1986 to give government employees, including members of the military services, supplemental retirement savings. It's similar to 401k programs offered by private employers. However, it offers many advantages, including lower ...

What Is Universal Annuity?

Universal annuity life insurance is a hybrid between life insurance and a retirement savings product. Like most other life insurance products, it pays a set benefit when you die. Along the way, it also builds up cash value and pays a return on that value. Universal life is ...

Retirement Plans for Employees of Nonprofits

Retirement benefits can help a nonprofit organization attract the best talent, and most employers in this sector offer retirement plans. But many nonprofits, particularly the smaller ones, fear retirement plan costs and bureaucratic red tape even though low-cost retirement plan ...

What Are Single Premium Deferred Annuities?

A single premium deferred annuity is a type of annuity that is funded by a single payment rather than periodic payments. Deferred annuities increase in value over time as they're funded; with a single premium annuity, you can't add money later, so you earn interest on a larger ...

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