Whatever type of retirement fund you have, be it 401k 403b, Roth IRA or plain old IRA, you want to spread your risk.
Stocks go up and go down. Treasuries and government backed bonds are very safe, but they also go up and down in value, although you will always get a reasonable return. You can […]

Cut the fees and get more retirement cash
Are you paying too much in fees on your IRA  or 401 (k) retirement fund?
If you are paying too much in fees for your 401 (k) retirement fund, you could lose 15-20% of the total benefits over the years you are saving. In fact, an increase of 1% […]

Saving is not easy, but turn it into investment and it sounds sort of sexy and smart. It is not easy to find spare money to invest, so the best way to do it is to invest some each month immediately you are paid. Or have the money put straight into a retirement fund by […]

With a change in the laws, there never was a better time to start a 401(k) retirement fund. In fact, you may find that you have already started one, because under the new law, your employer can put you into a 401(k) retirement fund automatically.
If that happens – or has happened  - to you, you […]

If you are an employee, your retirement plan is protected by US Federal laws. In fact, most pension plans are covered by he Employee Retirement Income Security Act (ERISA). It is a good idea to check whether your pension plan is covered by ERISA or not. If not, ask your employer to consider making it […]

One of the better options available in retirement funds is the 457 – if you work for an employer. It is a flexible fund. Normally, the employer sets up the system for contributions to the 457 fund, and once you start you have to continue to pay into the fund. Anyone who stops paying into […]

How should you save: 401, 403, 457, straight IRA or Roth IRA?
It is all very confusing when you  decide to start to save for retirement – the government has allowed the system to be complicated with all sorts of different funds, which may seem to make money for the big fund managers and that is […]

Your individual retirement account could be your best investment
Because you get the benefit of tax free investments, an individual retirement account could easily outperform your other investments. Add to that the fact that you will be investing over a long period, so you will get the benefit of compound interest, and you will see the […]

From the beginning of 2006, people working in universities, hospitals and other non-profit businesses can invest in a new type of retirement plan – the Roth 403b. This plan is similar to the Roth IRA allowing you tax-free withdrawals. However, the Roth 403b dills a gap by allowing people in these non-profit businesses to save […]

Set up to provide pensions plans for government employees, ICMA Retirement Corporation now provides pensions for the employees of 6,600 government-owed bodies and departments. About 650,000 people participate in ICMA pension plans.
ICMA pensions are of the deferred compensation type, and include:
457 – the majority of ICMA pension plans
401(a)
401(k)
ICMA offers a five-minute pension check-up, which includes […]