Most non-profit employees are familiar with the benefits of contributing to a Traditional 403(b): before-tax retirement savings, large contribution limits and no income limitations. But you may not be aware of the similar benefits a ROTH 403(b) account can provide. John Cooper breaks down the differences and discusses how you can choose what plan can serve you best.
As you approach retirement, how will you access the money you worked so hard to save? This is part three in our retirement savings series: Plan Your Withdrawal Rate.
The second step of saving for retirement is to decide how to invest those assets. To determine your asset allocation, decide how much you’ll put into various types of investments and become familiar with the role those specific products play in your overall strategy.
The first step of saving for retirement is to implement an investment strategy that provides the annual income you will need, while balancing other considerations, such as liquidity, your risk tolerance, and anticipated rates of return. This includes understanding what type of account you should be utilizing and how much you should be saving.
Our life expectancy has increased at a steady pace over the years and is expected to continue increasing. According to the U.S. Census Bureau, the average 65-year-old American can expect to live another 19.6 years.
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401(k) The 401(k) is the most popular qualified retirement plan among employers and employees....