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Tag: Retirement Savings and Investments

6 Competing Retirement Investing Goals and How to Sort Them Out for Long Term Wealth

Saving for retirement is hard.  However, when you are still working, creating a retirement investment plan can be relatively straightforward.  The goal is to simply grow the money. But, when you retire, your investment goals become multi-faceted, layered, and downright complicated. You still want your money to grow, but you have a whole lot of other factors to consider. Competing Retirement Investing Goals Just like when you were working, a decent return on investment is important after you retire. However, here is a look at six competing priorities you need to balance for a solid...

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The Grapes of … Roth Conversion: A Fruitful Strategy for Retirement Wealth

Tax deferred? Tax free? Tax advantaged? It might sometimes feel a bit taxing to think about the tax implications of a Roth conversion. However, it is probably worth your brain power because a Roth conversion can be tremendously beneficial in the right circumstances. What is a Roth Account? A Roth account is a type of 401k or IRA. The main difference between a Roth account and a traditional retirement savings account is tax treatment: Money in a traditional 401k or IRA grows tax deferred, meaning that you pay taxes on the money when you withdraw the funds (and no taxes at all when you invest...

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Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now

Doing a Roth conversion — also known as a “backdoor Roth IRA” — is perhaps even more appealing in 2018 than ever before. Why? Low 2018 tax rates. What is a Roth Conversion? Backdoor IRA? A Roth Conversion is when you convert money that you have in a traditional IRA to a Roth IRA. This is sometimes called a backdoor Roth IRA because instead of investing money in a Roth, you are converting money. With a conversion, you can get around both the income and contribution limits. It’s a “backdoor” way to get money into a Roth. What’s the Catch? While...

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Monte Carlo Simulations: A Sophisticated Way to Predict Your Chance of Financial Success

If you hear Monte Carlo simulation and think of luxurious casinos, the Mediterranean, high stakes poker, and extreme wealth, you aren’t necessarily wrong, but no, that is not what we are talking about here. Monte Carlo simulations actually have nothing to do with gambling. Though, like their namesake, they are related to your possible wealth. Specifically, they are a useful tool for predicting the possibility that you will enjoy a financially secure future. What is a Monte Carlo Simulation? A Monte Carlo simulation is a mathematical technique used to predict the probability of different...

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Are You Wealthy? 19 Ways to Define Wealth

Recently on the NewRetirement Facebook group, someone commented that they were shocked to be called wealthy. He did not recognize himself in the term. Though, after reflection, he came to believe that he is wealthy — just by a different definition than he had originally held. What is wealth? How do you define wealth? Do you think of yourself as wealthy? What does that mean to you? Thesaurus.com lists 53 synonyms for wealth including abundance, affluence, cash, property, prosperity, richness, and worth. However, they don’t begin to cover what wealth really means. Below are 19 different...

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3 Steps to a Retirement Income Plan: Nobel Prize Winner Helps You Figure Out Your Best Options for a Secure Future

Figuring out how much income you need during retirement and formulating a retirement income plan is the most important aspect of financial planning. Don’t believe me? Well, the theory is advanced by Robert C. Merton, recipient of the 1997 Alfred Nobel Memorial Prize in Economic Sciences and Distinguished Professor of Finance at the MIT Sloan School of Management. (Hear him on The NewRetirement Podcast here.) Merton believes that the most important aspect of retirement planning is to estimate your retirement income and insure that it is adequate to cover your spending. He rejects the focus...

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Financial Wisdom from Jack Brennan, Former CEO of Vanguard

Jack Brennan is the former CEO of Vanguard. He was the handpicked successor to the legendary Jack Bogle who fundamentally changed investing with the introduction of index funds. (An index fund is an passive investment in a sector or entire market. It is a low-cost and effective way to invest for long-term growth.) Vanguard revolutionized the investing landscape with index funds and by aligning themselves directly with investors, driving down fees, and popularizing passive investing. Brennan recently joined Steve Chen, founder of NewRetirement, on The NewRetirement Podcast. Below is some of...

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