Featured
Income vs. Drawdown: What’s the Best Retirement Strategy?
Justin Kuepper |
Discover the benefits and tradeoffs of using an income versus drawdown retirement strategy—and tips for choosing the best option for your portfolio!
Featured
Justin Kuepper |
Discover the benefits and tradeoffs of using an income versus drawdown retirement strategy—and tips for choosing the best option for your portfolio!
Aaron Levitt |
Target-date funds with embedded annuities, like BlackRock's LifePath Paycheck, aim to simplify retirement income generation by automatically shifting assets toward annuities but come with potential trade-offs that investors must carefully consider.
Justin Kuepper |
Headlines touting “average” 401(k) balances can be more misleading than informative. Here's what you really need to know.
Aaron Levitt |
Integrating annuities into target-date funds offers a potential solution for generating retirement income, but investors must carefully weigh the benefits against the associated risks and costs.
Aaron Levitt |
Retirees are getting some bad news. Their latest COLA increase isn’t going to beat rates of true inflation. That means, they need to fight the effects on their own.
Aaron Levitt |
With the advent of new regulated products, Bitcoin is going mainstream. That’s wonderful news as adding it to a portfolio can provide a spending boost under the right scenarios without taking too much downside risk
Aaron Levitt |
Thanks to the rise in interest rates, traditional income products are once again paying high interest. This includes certificates of deposits (CDs), whose rates haven’t been this good since before the Great Recession.
Aaron Levitt |
Annuities could be the answer investors are looking for. According to UBS, they can help reduce the two biggest risks facing investors- sequence of withdrawal risk and longevity issues.
Aaron Levitt |
For retirees and those near retirement, today’s volatility and rising risks are a major issue. They need a plan to overcome outliving their money. The classic bucket strategy could be the answer.
Aaron Levitt |
The SECURE Act added plenty of annuity muscle to retirement plans. And it looks like advisers are starting to seriously consider those options for investors. That’s the gist according to a new Plan Adviser survey of top financial advisers.
Aaron Levitt |
The SECURE Act 2.0 had plenty of great provisions for workers designed to increase retirement and financial readiness. The creation of the PLESA is one example.
Aaron Levitt |
Investors tend to include growth in their portfolios when they retire. However, that thinking could be wrong. According to BlackRock, income is what matters.
Aaron Levitt |
Annuities have exploded in popularity over the years as a way to lock-in guaranteed income and returns, but those returns are tied to interest rates. A swap may be in order.
Aaron Levitt |
Thanks to the SECURE Act, 529 plans have emerged as a vehicle not just for higher education. A new proposal would allow even more use including long-term care options.
Aaron Levitt |
Last year showed us that stocks and bonds don’t always go up. With that in mind, finding some downside protection via a registered index-linked annuities (RILAs) could be the answer.
Aaron Levitt |
Getting Social Security right is a tough nut to crack, with many potential pitfalls. A fixed annuity can provide a bridge needed to optimize social security withdrawals in retirement
Aaron Levitt |
The SECURE Act 2.0 was a treasure trove of wonderful ways for Americans to boost retirement savings and investments. This includes plenty of ways for lower-income and non-retirement account holders to save
Aaron Levitt |
Annuities have been tapped as a way to solve the retirement income equation. The reintroduced LIFE Act allowing them to be the default option in workplace plans is an interesting start.
Aaron Levitt |
Last year’s bond rout left many investors and advisors looking for answers on how to generate stable returns while reducing losses. It seems, they may have found that answer in fixed deferred annuities
Aaron Levitt |
The SECURE Act 2.0 adds a plethora of new provisions expanding charitable donations and tax planning
Aaron Levitt |
With their steady and guaranteed rates of return as well as the ability to provide income, fixed annuities are getting a good look from many investors.
Aaron Levitt |
With rates of inflation and the main areas of retiree spending still running high, retired investors need to do something to keep their portfolios and income growing.
Aaron Levitt |
SECURE Act 2.0 expands on the goals of lifetime and makes it easier for Americans to spend their savings.
Aaron Levitt |
One of the biggest and most important positions of the bill deals with required minimum distributions (RMDs).
Aaron Levitt |
Under the SECURE Act 2.0, college savings plans are getting life as retirement accounts.
Aaron Levitt |
Just like the original groundbreaking SECURE Act, there are plenty of points and benefits in its sequel.
Justin Kuepper |
Let's take a look at best practices that you can use to rebalance your portfolio and optimize your risk-adjusted returns.
Justin Kuepper |
The Department of Labor's new rules could open the door to more ESG options (or even defaults) in 401(k) plans.
Aaron Levitt |
Annuities of all stripes have plenty of appeal for a wide range of scenarios. However, the decision to purchase one is not cut and dried.
Aaron Levitt |
While CDAs are a relatively new product and are still in their infancy, investors may want to have this annuity product on their radar.
Aaron Levitt |
Thanks to their steadfast guarantees, fixed annuities may offer the ballast and income generation that investors need and crave in the current high volatility environment.
Aaron Levitt |
Thanks to a set of recent proposals and platform upgrades, Fidelity is making it easier for investors in workplace plans to buy annuities to meet their income needs.
Aaron Levitt |
Given the benefits of fighting longevity and the ability to reduce RMDs, qualified longevity annuities could make a lot of sense for many investors.
Aaron Levitt |
Annuities offer the ability to provide steady income for a participant’s life. However, there are tax implications to consider.
Aaron Levitt |
The recent market malaise has brought sequence of returns risk back into the headlines. By purchasing an annuity, investors can eliminate much of that risk
Aaron Levitt |
Thanks to changes in interest rates and the tax picture, charitable gift annuities make a lot of sense these days for investors.
Aaron Levitt |
The contracts originally designed to fund wars during medieval times are attracting serious attention from the financial planning and defined benefit community.
Aaron Levitt |
For retirement success, using HSA first could be the best strategy for long-term wins.
Aaron Levitt |
With the bill being tossed around Congress, Americans have another set of powerful tools and provisions to use in order to save for retirement.
Justin Kuepper |
Let's look at a few strategies that you can use to manage inflation and interest rate risk in your retirement portfolio.
Justin Kuepper |
Let's look at how non-savers can catch up, why existing investors should stay the course, and some tips to keep in mind.
Aaron Levitt |
Building on the momentum of the _SECURE Act_, a new bill in Congress may make the job of having lifetime income that much easier.
Aaron Levitt |
While Uncle Sam’s increases on retirement accounts weren’t as lucrative as previous years, they still offer savers the ability to sock away more
Aaron Levitt |
While it shouldn’t be your main driver for retirement investment, a 529 Plan can serve as a complement or bonus account for your retirement efforts.
Daniel Cross |
We’ll go down the list and break down the most common retirement investment vehicles and help you figure out which one is right for you.
Aaron Levitt |
Our retirement accounts now may need to last longer. This creates another set of headaches for investors and constitutes a bigger nest egg.
Wayne Anderman, CFP® MBA |
If we have learned anything over the past couple of years, it is that the foundations of a well-constructed financial plan can save us from ruin when things around us start to crumble.
Aaron Levitt |
Thanks to a variety of factors, the standard gauge for safe withdrawals doesn’t hold water.
Aaron Levitt |
The classic 60/40 portfolio has worked for a long time. Nonetheless, the forces at be have the concept falling flat for the new decade. Investors need to rethink.
Justin Kuepper |
Let's look at the concept of phased retirement and how you can use it to maximize your retirement assets.
Aaron Levitt |
Several asset managers, plan sponsors and fund providers have begun launching new products for retirement plans designed to be turned into streams of income.
Wayne Anderman, CFP® MBA |
Use time in the market and proactivity in financial planning to your advantage.
Justin Kuepper |
Let's take a look at how you can prepare to retire at 62 without risking your financial or emotional health in later years.
Aaron Levitt |
Both traditional and Roth IRA accounts, as well as 401(k) accounts, come with near- and long-term benefits. The question is, how do investors choose which one is right.
Aaron Levitt |
With light being shed on the world of mega-IRAs and the ability for upper income earners to use the account type to avoid taxes, changes are coming to the individual retirement account.
Aaron Levitt |
Retirement planning is hard on its own, but women face a different set of challenges.
Aaron Levitt |
A portfolio line of credit is a great tool for many investors with large gains. By using one, investors have the potential to save on taxes while still enjoying the benefits of their gains.
Aaron Levitt |
By paying taxes today and converting to a Roth account, investors could avoid paying taxes later on and ignore the dreaded required minimum distributions (RMDs).
Aaron Levitt |
For pre-retirees, the concept of Peak 65 is a major looming concern. But it’s one that can be dealt with by implementing careful planning.
Shauvik Haldar |
Check out our list of top performing target-date funds.
Aaron Levitt |
With measures of inflation recently running higher and closer to historic norms, retirees need to be vigilant about the market force.
Justin Kuepper |
Let’s take a look at how the Thrift Savings Plan, designed for government employees, could provide a blueprint for the rest of America and redefine retirement as we know it.
Aaron Levitt |
Despite being a tough nut to crack, the decumulation challenge can be tackled.
Justin Kuepper |
Let’s take a look at some of the best ways for self-employed individuals to save for retirement.
Justin Kuepper |
Let’s take a look at a few key pieces of advice to stop COVID-19 from derailing your retirement savings and income.
Justin Kuepper |
Let’s take a look at the four factors that influence retirement income and how the current market environment is affecting them.
Aaron Levitt |
There’s plenty of tax efficiency and flexibility when it comes to using a regular brokerage account.
Aaron Levitt |
With recent legislation and new rules from the U.S. Department of Labor, liquid alts could be coming to a retirement plan near you.
Aaron Levitt |
With broker-dealers and agents now acting in favor of clients, investors may be more inclined to add annuities to their portfolios.
Justin Kuepper |
Let’s take a look at the safe harbor provision that applies to these plans and how it affects employees.
Justin Kuepper |
Let’s take a look at the benefits that Social Security provides and tips on maximizing your benefits.
Aaron Levitt |
For investors and their advisors, thinking ahead to what Biden may do is just smart planning.
Aaron Levitt |
Thanks to new rules, investors will now start seeing revised income projections on a host of their investment accounts.
Aaron Levitt |
While complex and available in many forms, annuities can provide a steady stream of income payments.
Justin Kuepper |
Let’s take a look at two common mistakes to avoid during a downturn and three steps that you can take to safeguard your retirement portfolio.
Sam Bourgi |
Social Security was facing a major shortfall long before COVID-19, but the pandemic has accelerated the trend.
Justin Kuepper |
Let’s take a look at the impact of the COVID-19 pandemic on target-date funds.
Justin Kuepper |
Let's take a closer look at Reg BI rules and how they affect broker-dealers and advisors.
Daniel Cross |
Our latest edition of trending funds series features 3 top performing retirement income funds.
Aaron Levitt |
Dividend stocks have long been a great recession fighter but not all dividend stocks perform well. Read ahead to learn more.
Justin Kuepper |
The SECURE Act was signed into law in December to increase access to tax-advantaged accounts and prevent older Americans from outliving their assets.
Sam Bourgi |
A REIT is a company that owns, operates or finances income-producing real estate.
Daniel Cross |
From the first mutual fund to the most recent product: target-date funds, investments are constantly adapting to meet investor expectations and desires.
David Dierking |
Target-date funds (TDFs) have become incredibly popular in defined contribution plans.
David Dierking |
In recent years, fund providers have expanded the types of products that go into TDFs in an effort to improve risk-adjusted returns.
David Dierking |
Investors are constantly on the lookout for higher risk-adjusted returns, and smart beta strategies may be the path to getting there
David Dierking |
This article examines the structure of long-term target-date funds and how they might not always work for investors
David Dierking |
A lot of investors make target date funds (TDFs) a core part of their portfolios, but many don’t commit to target date funds as their entire strategy.
David Dierking |
The combination of low cost and the lack of these potential conflicts of interest are making the robo advisor option more popular.
David Dierking |
When it comes to retirement, investors are looking for a steady income stream that they’re confident will last them the rest of their lives.
David Dierking |
After nearly seven years of zero-interest-rate policy, the Federal Reserve has begun lifting rates once again.
David Dierking |
As target-date funds become more and more popular, it becomes increasingly important to distinguish the good from the bad.
David Dierking |
Target-date funds aren't perfect investments. Here's what you should know.
David Dierking |
Learn to identify aggressive target-date funds (TDFs) by knowing the investor-specific criteria and asset allocation strategies used by TDF issuers
David Dierking |
As target-date funds have evolved into one of the most popular investment vehicles in the marketplace, the way they are approached has also evolved.
David Dierking |
Target-date funds continue to be the default investment of choice among employer-sponsored retirement plans, but the look of those funds is starting to change.
David Dierking |
Target-date funds may be a reason to reconsider.
David Dierking |
For many individuals, investing can be a scary proposition.
David Dierking |
Investing isn’t necessarily intuitive for most people, which is why target-date funds have become so important.
Brian Mathews |
With thousands of mutual funds available to the average investor, choosing the best option can be a difficult task.
Brian Mathews |
With over 7,000 different mutual fund options available to the investing public, selecting the correct choice can be tricky.
Brian Mathews |
With over 7,000 different mutual fund options available to the average investor, selecting the correct choice can be tricky.
Daniel Cross |
Target-date funds may seem convenient "set it and forget it" tools, but they might not be the bargain you're looing for.
Bob Ciura |
We take a look various options for low-cost target-date funds.
Aaron Levitt |
TDFs are effective vehicles for investors looking to simplify their portfolios. We take a look at some of the most aggressive TDFs available.
Aaron Levitt |
MutualFunds.com takes a dive into index-based target-date funds.
Joel Kranc |
MutualFunds.com looks at the differences between open and closed target-date funds.
Calder Lamb |
We take a look at the important questions to ask before investing in a target-date fund.
Aaron Levitt |
We take a look at target-date funds and how they can use alternative strategies for even greater diversification benefits.
Aaron Levitt |
We take a look at the major pros and cons of target-date funds (TDFs).
Aaron Levitt |
We look at target-date funds, how they work, and what to take into consideration before investing.
Daniela Pylypczak-Wasylyszyn |
The basics of an Individual Retirement Account (IRAs).
Michael Flannelly |
We look at education savings accounts, retirement savings accounts, health savings accounts and savings bonds.
Featured ETFs, Funds
Overview
Payout
Income
Income Risk
Returns
Allocations
Fees
About
JEPQ | ETF |
$56.47
+0.46%
$11.84 B
10.59%
$5.92
22.42%
0.35%
USHY | ETF |
$37.25
0.00%
$11.83 B
6.79%
$2.53
8.51%
0.08%
$79.51
+0.04%
$14.59 B
5.96%
$4.73
8.05%
0.49%
$90.96
+0.04%
$14.76 B
5.57%
$5.07
6.50%
0.39%
$100.58
+0.01%
$11.04 B
5.13%
$5.16
5.32%
0.35%
$80.96
-0.08%
$47.33 B
4.68%
$3.80
3.38%
0.04%
$50.82
-0.10%
$10.70 B
4.50%
$2.30
2.96%
0.04%
$51.97
-0.08%
$12.51 B
4.47%
$2.33
3.71%
0.04%
FSIGX | Fund | Other
$9.96
-0.10%
$34.88 B
4.43%
$0.44
2.52%
-
FIWGX | Fund | Other
$9.08
0.00%
$69.01 B
4.35%
$0.39
2.58%
0.42%
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