Retirement Plans
News, insights and expert analysis on retirement plans from the team at Kiplinger.
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7 Reasons to Avoid a Self-Directed IRA or SDIRASelf-directed IRAs let investors do things they can't in an ordinary IRA, like invest directly in alternative assets. But this opportunity also comes with these risks.
By David Rodeck
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Need More Money for Retirement? You May Have Already Saved It. Here's How to Find Your Lost 401(k).Over 29 million lost 401(k) accounts worth almost $1.65 trillion have been forgotten by their owners. Here are nine ways you can locate your account.
By Donna LeValley
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Here are the Huge RMDs the IRS Makes You Take When You Have $5 Million SavedIf you have $5 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.
By Donna Fuscaldo
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7 Times to Dip Into Your Roth IRA if You Have a PensionThe established wisdom is never to touch your Roth IRA, but if it contains a large sum and you have a pension, too, here's when you should tap into it first.
By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®
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4 Reasons to Roll Over Your 401(k) Into an IRA (And 4 Reasons Not To)We tell you when it makes sense to move your 401(k) account to an IRA — and when it’s smart to stay put.
By Sandra Block
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Wealth Wise: Downsize or Drain Our 401(k) to Pay Off Our Home?In our retirement advice column, Wealth Wise, we help a reader navigate a heart-wrenching choice: Tap a 401(k) to save the lake home they love, or sell it to protect their financial future.
By Maurie Backman
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3 Questions That Help You Find Your Perfect Social Security Claiming AgeClaiming Social Security too early can cost you thousands. Before you file, ask these essential questions to ensure you aren't leaving money on the table.
By Donna Fuscaldo
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Ask the Tax Editor: Roth IRAs and the Five-Year RuleAsk the Editor In this week's Ask the Editor Q&A, Joy Taylor answers questions on Roth IRAs and the five-year rule, including contributions and conversions.
By Joy Taylor
Ask the Editor -
Married and Retiring? Here's How to Claim Thousands More in Social Security BenefitsBoth spouses can receive Social Security based on their individual earnings records and at what age they claim benefits
By Kathryn Pomroy
