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  • S&P 500’s Impressive Rate-Of-Return Score: 70-25

    S&P 500’s Impressive Rate-Of-Return Score: 70-25

    The stock market scorecard can help you invest for retirement with confidence. Getty Images, contributor gopixa If a baseball or basketball team had a win/loss record of 70-25, you’d say it dominated the field. Well, 70-25 has been the win/loss record for the annual rate of return on the S&P 500 since 1926.  Impressive scores […] More

  • The Most Overlooked Flaw In Your Retirement Plan And How To Fix It

    The Most Overlooked Flaw In Your Retirement Plan And How To Fix It

    A party store saleswoman shows us a critical flaw in our retirement planning. getty Suzy rings up another customer in a party supply store. Surrounded by bright, bouncing balloons celebrating everything from anniversaries to birthdays, Suzy scans a bag of blue plastic spoons while speaking to a friend.  Leaning across the checkout counter between bouquets […] More

  • Don’t Get Distracted By Retirement Planning Bling

    Don’t Get Distracted By Retirement Planning Bling

    When my son was younger (say around 10 years old) and had money in his pocket, the toy aisle was the most stressful place in the world. Should he get the LEGO set or the Nerf gun? Or the hundreds of other flashy toys in front of him? The risk of wasting his limited resources on a […] More

  • Can My Wife Get Early Social Security Retirement Benefits Then Switch To Spousal?

    Can My Wife Get Early Social Security Retirement Benefits Then Switch To Spousal?

    Economic Security Planning, Inc. Today’s column addresses questions about taking retirement benefits early before switching to spousal benefits at full retirement age, whether or not to notify Social Security about a change in projected income and when widow’s benefits can be started. Larry Kotlikoff is a Professor of Economics at Boston University and the founder […] More

  • Gen X: Double Your Money with Retirement Plan Contributions in 2021

    Gen X: Double Your Money with Retirement Plan Contributions in 2021

    Generation Xers: Are you feeling anxious about your retirement savings? You’re not the only one. A 2020 study  from Bank of America concludes that only 23% of Generation X savers are confident about their progress on saving for retirement. But here’s another tidbit to know. Based on your age today, 2021 could be the year […] More

  • No 401(k) Match? 3 Alternate Ways to Save for Retirement in 2021

    No 401(k) Match? 3 Alternate Ways to Save for Retirement in 2021

    More than 16% of large organizations suspended 401(k) matching, at least temporarily, due to the COVID-19 pandemic, according to the Plan Sponsor Council of America. If you’ve lost your match or you just never had one, the burden of retirement savings rests entirely on your shoulders. It’s a difficult position to be in, but with […] More

  • What Will Survive The Democratic Congress?

    What Will Survive The Democratic Congress?

    Tax-hungry legislators may go after incomes over $400,000. But they will likely leave in place a rich collection of avoidance devices. Here are ways that investors minimize damage from the IRS. Democrats, narrowly in control of Congress, are equipped to undo parts of the 2017 Trump tax cut and, perhaps, to attack some of the […] More

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