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Retirement Plan Hardship Withdrawals
One of the worst financial decisions a baby boomer can make is to raid a tax-deferred retirement account such as an IRA or 401(k) to pay for non-retirement expenses. I like to call these early...
View ArticleDeadline Extended for Returning Required Mininum Distributions
Most retirees know by now that in the Worker, Retiree, and Employer Recovery Act of 2008, Congress waived required minimum distributions in 2009 from IRAs, 401(k) accounts, and certain other retirement...
View ArticleDo Not Cash Out Your 401(k) Account
This message is for baby boomers who have not retired and in particular for those who have not reached 59 1/2 years of age. Stop cashing out those 401(k) accounts! According to a recent survey by...
View ArticleRetirement Plan Contribution Limits for 2010
It’s time to adjust our retirement plan contributions for 2010. These plans include 401(k) plans, individual and spousal IRAs, and our Health Savings Account, which we use for retirement savings. Here...
View ArticleRetirement Income Predictions from Your 401(k)
Many 401(k) plan sponsors and participants seem to forget or overlook that 401(k) plans were intended to get people to retirement but not necessarily through retirement. Consequently, most of the focus...
View ArticleChanging Our Retirement Asset Allocation
I am making a number of significant moves this week in our 401(k) asset allocation. It started yesterday with selling all of our mutual fund holdings after a temporary market rally, except for the...
View ArticleRisk Management Adjustments in Our Retirement Portfolio
Several months ago I changed the asset allocations in my 401k plan. The prior allocations were based on the Ten Speed portfolio published by Scott Burns. I simplified our holdings into another of Burns...
View ArticleReallocating to a Real Asset Return Fund
I made a re-allocation move yesterday to a real asset return fund inside our 401k plan. I transferred money that I had been accumulating in a stable value return fund. I intend to use this money...
View ArticleMonitoring Year to Date 401k Performance
I wrote recently that I am trying to be more active and vigilant in managing our retirement investment holdings. In particular, I want to be sure that (a) there is a reason that we own each of the...
View ArticleStop Betting Your Retirement on Your Employer’s Stock
There are many large businesses that subtly encourage their employees to own company stock inside their retirement accounts. This is a big mistake in my opinion. In practical effect you are doubling...
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