Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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How to Calculate RMDs (Required Minimum Distributions) for IRAsUnderstand when and how to calculate RMDs and avoid stiff penalties from your tax-deferred IRA.
By Kathryn Pomroy
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401(k) Rich and Cash Poor: The Hidden Retirement RiskMaxing out a traditional 401(k) without cash reserves triggers tax spikes and market losses. Here's where and how to save cash for easy retirement withdrawals.
By Adam Shell
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Is a Roth Conversion Right For You? 3 Questions to Ask FirstDon't let a Roth conversion backfire. Learn the 3 questions every investor needs to ask about tax brackets, liquidity and asset allocation before making the move.
By Donna Fuscaldo
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Thinking About Cutting Your 401(k) Contributions? 6 Reasons to ReconsiderLowering your 401(k) contributions might solve a short-term cash squeeze, but it carries long-term costs, including these six.
By Donna Fuscaldo
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Thrive in Your First Year of RetirementAs a record number of Americans turn 65, staying flexible — in your finances and your plans — will be key to achieving your best post-work life.
By Chris Farrell
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Five Roth IRA Pitfalls Your Adviser May Not Tell You AboutThere's a lot to love about Roth IRAs, but their downsides are very real. They could put a dent in your retirement savings if you're unaware of them.
By Maurie Backman
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Quiz: Understanding Roth ConversionsQuiz Test your basic knowledge of Roth conversions in our quick quiz.
By Donna LeValley
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How to Time Retirement Withdrawals to Save on TaxesBy coordinating withdrawals from retirement accounts to keep your income below certain thresholds, you can save on taxes and benefit from valuable deductions.
By Steven L. Rich, RICP®, CLTC®, NSSA®, CF2
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Sitting on a 401(k) Fortune? Why You Should Stop Fearing and Start SpendingMany 401(k) millionaires fear running out of money in retirement. But they don't have to if they follow these six strategies.
By Donna Fuscaldo
