Retirement Income
Callable Bonds - How They Work
Callable bonds are bonds that the issuing corporation can redeem before maturity. If the issuer decides to redeem it you will have to surrender the bond.
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- Retirement Income
QLAC: Qualified Longevity Annuity Contract
A QLAC allows you to use the money in a retirement plan to purchase a deferred income annuity without running afoul of required minimum distribution rules.
- Retirement Income
Can I Retire on 500k?
It is possible to retire on 500k in retirement savings, but you'll need to do some careful planning. Here's what you need to think about.
- Retirement Income
Tax-Gain Harvesting?
Tax-gain harvesting may seem counter-intuitive, but it can be an effective way to reduce your total tax burden in retirement.
- Retirement Income
How Long Will My Money Last in Retirement? (With Calculator)
The most common question on retirement is "How long will my money last?" Here is what you need to consider to make your money last throughout retirement.
- Investing
What is a MYGA Annuity?
A multi-year guaranteed annuity, or MYGA, is very similar to a CD. It pays a fixed interest rate and is useful when you need a stable place for your money.
- Retirement Income
Are Reinvested Dividends Taxable?
Yes. However, there are two important items to consider. You may not owe any tax at all, and the amount you do owe depends on the type of dividend.
- Retirement Income
Should You Plan to Spend More Early In Retirement?
Living happily in retirement means crafting a spending plan to support your lifestyle. This could mean planning to spend more early in retirment.
- Retirement Income
How Much Will I Get from Social Security?
In this article you will learn how your Social Security benefit is calculated so that you can get an idea of what you will qualify for when you file.
- Retirement Income
Is Social Security Going Broke?
Is Social Security Going Broke? More importantly, will YOU be able to collect Social Security benefits when you retire?
- Retirement Income
Can I Withdraw a Fixed Percentage of My Portfolio in Retirement?
What are the pros and cons? What are some situations where you may want to avoid it, and some situations for which it may be more suitable?
- Investing
What are the Risks of Relying on Dividends for Retirement Income?
What are the risks of relying on dividends for retirement income? It exposes retirees to more risk than they probably realize.
- Early Retirement
Roth Conversion Ladder: Tax-Efficiency in Early Retirement
What is a Roth conversion ladder and how can it help you create tax-efficient withdrawals in retirement? By reducing the early withdrawal penalty.
- Early Retirement
What is a 72(t) Distribution?
A 72(t) distribution is a way of accessing the money in your retirement account before you turn 59.5 without incurring the penalty.
- Retirement Income
How to Protect your Portfolio with Retirement "Guardrails"
In addition to the specific sequence risk, this strategy will help protect your portfolio from poor investment performance generally.
- Investing
Inflation's Effect on Retirement Portfolios
Many retirement income strategies call for distributions to be adjusted for inflation. What is inflations effect on your portfolio?
- IRA
The Five Year Rules of Roth Distributions
Most investors are aware of the Roth IRA five year rule, although few understand the details. In fact, there are actually multiple five year rules.
- Investing
Bond Ladder - Secure Retirement Income
A bond ladder is a useful tool for providing security in retirement. A bond ladder can protect your investments from volatility.
- Retirement Income
Are Social Security Benefits Taxed?
Only a portion of your Social Security retirement benefit is taxable. It is not fixed and changes based on a figure known as your combined income.
- Retirement Income
Required Minimum Distributions
If you save for retirement using tax-deferred accounts then you need to understand the rules surrounding required minimum distributions RMDs in order to avoid s
- Retirement Income
Efficient Withdrawals to Maximize Retirement Income
Efficient retirement account withdrawals should provide an income that will last for the duration of your retirement. It’s important to get this right.
- Retirement Income
The 4% Rule of Retirement Income
The most commonly cited method of withdrawing retirement income from an investment portfolio is “the 4% rule”.
- Investing
Sequence of Returns Risk in Retirement
The sequence of returns risk in retirement is the risk that investment returns come in an unfavorable order. You can do a few things to manage this risk.
