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Retirement

Smart, focused guidance on all aspects of retirement planning and spending.

Saving for Retirement

  • Your backdoor to a Roth IRA

    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.

  • 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.

  • Are you saving enough money?

    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.

  • 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.

View all Saving for Retirement articles

401(k)

  • Are you saving enough money?

    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.

  • 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.

  • Tune up your 401(k) in 2014

    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.

  • 5 money moves at age 50

    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.

View all 401(k) articles

Getting Ready to Retire

  • 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.

View all Getting Ready to Retire articles

Living in Retirement

  • 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.

View all Living in Retirement articles

View all Insights

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Published by Fidelity Interactive Content Services

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.
fidelity-fbs-iconThese 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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