If Your Retirement Account Has Tanked, Then You Need to Read This! Why Buy and Hold Has not Worked

Just about every day we hear of people who have planned on retiring using their IRA, 401Ks or other savings to supplement their Social Security benefits. Even one of the commentators on CNBC (The NBC news channel) was reflecting on her own retirement fund and said, “It has gained nothing during the last 10 years!” [...]

On the Cusp of Retirement the Baby Boomers, Stocks and My Retirement

One major investment company TD Waterhouse recently send out this recommendation: “Our recommended asset allocation remains 45% U.S. stocks, 20% foreign stocks, 20% bonds, and 15% cash.” This is recommendation is supposed to offer the best investment results. Curiously, TD Waterhouse’s major product is selling stocks.

On August 3, 2005 www.seniorjournal.com posted the following [...]

Retirement Vs. College Savings: Overcoming the Funding Conundrum

Life is a constant juggling act. Every day we juggle tasks, time, people and goals. This is especially true when it comes to balancing financial goals, whereby time is not the scarce resource, but money is. The future can seem especially daunting for young families balancing retirement funding goals and college planning for [...]

Planning For Retirement: Roth Ira’S

There are many different types of Individual Retirement Accounts (or IRA’s) to choose from when you are planning your retirement strategy but there are only two basic categories: the traditional IRA and the Roth IRA.

 

The Roth IRA differs from the traditional IRA in many respects. First, let’s start with the similarities. Each plan can be [...]

Retirement – What is the IRA

With all the three letter names floating around our society what is one more? Really? It’s not like we don’t have enough to worry about without adding this burden.

However, when it comes to real life, these three letters will have a greater noticeable affect on people than many of the other three letter names [...]

Roth 401k or Roth IRA:What’s the Better Retirement Plan Investment?

Roth 401(k) or a Roth IRA: Which Is Better for Retirement Plan Investing?
Most places of employment will offer a variety of retirement plans you can choose to make use of. Two commonly asked questions are whether a Roth 401(k) is the same as a Roth IRA retirement account and is either one better than a [...]

Golden IRA – Useful assets for post retirement

Gold has no border limitation, and it is recognized throughout the world, and can easily be transported anywhere. For this reason, owning gold represents financial security for the long run. Investing Gold in IRA safeguards us form future the attempts of governments to completely control of the finances and lives of our as a citizen. [...]

IRA & Retirement Plan Investing Mistakes:Beneficiary, Inheritance, Contributions

An IRA retirement account is one of the critical pieces of planning for retirement. Millions of Americans have an IRA account that they contribute to. If you are eligible for an IRA account, contributions should be made consistently, each and every year. This is the best way to financially plan for your retirement. To take [...]

Have You Invested Your Money in a Self Directed IRA (individual Retirement Account)

 
I was talking to an old friend the other day, he works at a management company that handles Self Directed IRAs. Anyway we were discussing the sad fact that 96% of Americans allow banks, Insurance companies and stock brokers to rip them off, by putting everyones IRA money into the respective companies own financial instruments, [...]