Most people, once they get safely past their teenage years, have a pretty concrete list of risks they don’t care to take. Skydiving, for instance, is either on your bucket … Read more →

Retirement savers often focus their energies on trying to outwit the markets. Yet that isn’t necessarily where they get the most bang for the buck in a long-term savings plan. Few investors … Read more →

The stock market panic of 2007 and 2008 was epic, truly a stunning fall. And we’ve almost completely forgotten about it. And that’s pretty much normal. Investors are an optimistic … Read more →

The biggest risk you face as a retirement investor? It probably isn’t the stock market or even the economy. It’s you. Emotions are a major risk factor for any serious long-term … Read more →

Saving for retirement is a difficult task. That’s why pension plans exist, to automate both saving and investing. We tend in the United States to save very little. The current personal … Read more →

One of the fundamental challenges of retirement is making the switch from retirement investor to retiree. That means shifting from stocks to income investments in timely and secure fashion. Easier said than done these days. The … Read more →

A television commercial on the air these days asks people on the street (played by actors) a fairly direct retirement question: Will you outlive your money? It might seem impossible to answer. Who … Read more →

Beginning savers and investors sometimes find the selection of retirement accounts confusing, and with good reason: 401(k)s, 403(b)s, IRAs, 529s, on and on. Then there are choice within choices. You can … Read more →

Unless you work for a retirement investment firm or a very large company, chances are your options for 401k investments are limited. This is no accident. For many years, the reining logic among 401k plan … Read more →

A recent study by the Insurance Institute for Highway Safety found that we’re having far fewer fatal crashes, down 42% for older drivers and 30% for middle-aged folks. The news on older … Read more →