Retirement
Smart, focused guidance on all aspects of retirement planning and spending.
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News Article
- By Daren Fonda,
- Fidelity Interactive Content Services
- - 03/06/2014
Even if you retire with $1 million in savings, figuring out the best investment mix and withdrawal rate is critical to make your money last. Here's how to get started.
News Article
5 big ideas for your retirement plan
- By Donna Rosato and Penelope Wang,
- Money Magazine
- - 02/26/2014
There are rules of thumb in retirement planning, but sometimes looking beyond the obvious strategies may provide more options. Here are five new ideas from retirement pros.
Saving for Retirement
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The front door into Roth IRAs is shut for many high-income retirement savers. But there's a simple detour that works for many of them – and the earlier you start, the better.
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Why you should fund your IRA early
Some people wait until April each year to make a prior-year contribution to an IRA. If you do, though, you could be costing yourself thousands of dollars in the long run. -
Plan to pay for future health costs
In addition to dictating how much money you'll need, your health affects the shape of your spending in retirement and your investment strategy. -
Since this is America Saves Week — and it’s also tax season — it's the perfect time to assess your savings plan and your financial goals. People at all income levels can save more. Here are some ideas how.
401(k)
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Since this is America Saves Week — and it’s also tax season — it's the perfect time to assess your savings plan and your financial goals. People at all income levels can save more. Here are some ideas how.
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The 401(k) cash-out: A brewing crisis?
Many people simply cash out their 401(k) balances when they leave a job, a new survey shows. That can put you at risk of being unable to build up adequate savings for retirement. -
For retirement savers, 2013 was a good year. The stock market did extraordinarily well, and 401(k) plans saw some considerable improvements. Here are five ways to take advantage of those improved plans now.
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As vague retirement dreams start coming further into focus, age 50 is a crucial time to assess your finances and make sure you're on track. Here are five strategies to get you started.
Getting Ready to Retire
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Fewer workers delaying retirement
The number of full-time workers who say they are putting off plans to retire has dropped in a new survey. But not all the news is encouraging. -
An important retirement rule may have changed
Almost every asset you can invest your nest egg in now looks expensive by historical standards. And this may have big implications for how you draw down from your savings the money you need to live on. -
Plan for the critical first decade of retirement
The obvious lesson is to be conservative when you retire but if you are too safety-conscious, it will be harder to make your money grow fast enough to last for a long retirement. -
When to claim Social Security benefits
If you're married and healthy, it may be best to avoid filing for benefits before age 70 so you can earn delayed retirement credits.
Living in Retirement
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Is retirement the next big crisis?
Tens of millions of baby boomers are starting to retire and are going to live in old age far longer than previous generations. Three new reports paint a bleak picture of what the future may look like for many Americans when they retire. -
Social Security is the best deal
Each year you hold off from claiming Social Security benefits is like buying an annuity: The money you give up now comes back to you later as extra lifetime income. -
Why you may spend less as you age
The markets will determine how much you can safely withdraw in retirement. But now turn to a far more personal question: How much money will you actually need? -
Roth IRA withdrawals are not always tax-free
If you own a Roth IRA, you may think withdrawals are always income-tax-free. Not true. Some withdrawals can even be socked with an additional 10% penalty. Here's what you should know.
Published by Fidelity Interactive Content Services
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About FICS
Fidelity Interactive Content Services (FICS) is a team of financial journalists that curates and creates objective content for investors.
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Links provided by Fidelity Brokerage Services
Viewpoints articles provide Fidelity's perspective on personal finance topics.
Content for this page, unless otherwise indicated with a Fidelity pyramid logo, is published or selected by Fidelity Interactive Content Services LLC ("FICS"), a Fidelity company with main offices in New York, New York. All Web pages that are published by FICS will contain this legend. FICS was established to present users with objective news, information, data and guidance on personal finance topics drawn from a diverse collection of sources including affiliated and non-affiliated financial services publications and FICS-created content. Content selected and published by FICS drawn from affiliated Fidelity companies is labeled as such. FICS selected content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any Fidelity entity or any third-party. Quotes are delayed unless otherwise noted. FICS is owned by FMR LLC and is an affiliate of Fidelity Brokerage Services LLC. Terms of use for Third-Party Content and Research.
These links are provided by Fidelity Brokerage Services LLC ("FBS") for educational and informational purposes only. FBS is responsible for the information contained in the links. FICS and FBS are seperate but affiliated companies and FICS is not involved in the preparation or selection of these links, nor does it explicitly or implicitly endorse or approve information contained in the links.
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