Generally speaking, taking out a 401(k) loan should be your last resort. Yes, there are times when it may make financial sense, such as borrowing to make the down payment on a new home or because you’re in dire financial need. And with the cost of...
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Target date funds (TDFs) do exactly as the name suggests – they are designed to target your anticipated retirement date. Instead of having to choose a number of investments and create a portfolio, you select a fund that will help you reach retirement income goals. So, if...
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For an investor, the only thing guaranteed is changing market conditions. And, we’re seeing a whole lot of it right now. It’s not only the market that’s volatile – gas prices, utilities, and food costs are putting a serious strain on investors’ pocketbooks. And interest rates are...
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401(k) plans are a valuable tax-advantaged retirement savings tool for many Americans. With it often being the largest retirement asset investors own, it’s critical investors understand how to maximize savings so they earn and keep more to enjoy during retirement. The problem is many 401(k) myths keep...
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People often ask us about using their 401(k)s for different purposes, and one of the most common questions is, “Should I borrow from my 401(k) to start a business?” This is an understandable question. According to the New York Times, “From the second half of 2020 through...
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A 401(k) is a powerful investment vehicle. However, there is a lot of misinformation surrounding them. Buying into one or more of these common 401(k) myths may cost you a lot more than you bargained for come retirement. Keep reading for 9 401(k) myths exposed. #1 Your...
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It’s not uncommon for investors to change jobs and not know what to do with their 401(k) accounts, so they do nothing and leave it behind. Often, 401(k)s are left behind with old employers due to the misconception that the old employer is taking care of...
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There are important RMD changes for 2021 that every 401(k) investor needs to know about to avoid penalties. Required minimum distributions (RMDs) are IRS-mandated withdrawals from retirement accounts. The IRS requires these withdrawals to ensure that taxes are paid on amounts that were contributed on a pretax...
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If you’re looking for a way to boost 401(k) returns in 2021, rebalancing may help you do just that. Many 401(k) investors fail to rebalance and, in doing so, may potentially miss out on earning more and keeping more of their hard-earned retirement savings. Because when it...
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There’s no such thing as a dumb question – especially when it comes to 401(k) investor questions. The problem is that, for whatever reason, many investors don’t ask. If this sounds familiar, you’re not alone. CNBC reports, “Though it’s one of the most common retirement savings vehicles, 63...
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