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Channel: Business & MoneyCategory: Retirement | Business & Money | TIME.com
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Compound Interest: Knowledge Builds Wealth, Which Fuels More Learning

Evidence keeps piling up showing that people 1.) generally lack the minimum financial awareness they need, and 2.) through excess fees and missed saving and earning opportunities pay a stiff price for...

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How the NFL’s Blown Call Fiasco Will Boost Your Retirement Security

Whether or not you give a hoot about the National Football League, by now you’ve heard of the referees’ blown call that cost the Green Bay Packers a win on Monday night. It was front-page news. Even...

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What Savings Rate You Need When Starting at Age 15, 25, 35 and 50

Most of us are born procrastinators. That’s why we start saving late in life and hope to make up the difference by hitting the lotto or, if we must, by working longer. Neither is a great strategy. The...

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4 Key Financial Moves After Landing a New Job

The jobs picture remains depressed with unemployment holding above 8%. But work mobility is clawing back and you may finally be thinking about your next move. One thing to consider is that a new...

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Nantucket Project: Small Island, Big Ideas for Fixing Our Economic Future

NANTUCKET, Massachusetts — Hope and despair got a thorough airing in the second installment of The Nantucket Project last week. In the end, hope seems to have prevailed—but not before a rough slog...

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6 Ways Adding a Trusted Child to Your Bank Account Backfires

When an aging parent needs help managing their financial affairs, they may turn to a grown child and, for convenience, place that child’s name on their bank accounts. But what seems like a simple...

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Can We Handle the Truth? Public Pensions Are Short on Cash

The good news is they are telling the truth. The bad news is that the truth really hurts. That pretty much sums up actuarial firm Milliman’s view of the U.S. public pension system. In a recent report,...

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Is the U.S. Waging a War on Savers?

A recent consumer survey found that 41% of respondents had less than $500 in savings available on short notice. And the more comprehensive Survey of Consumer Finances released by the Federal Reserve in...

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How Saving for Retirement Might Backfire

Saving for retirement is now the top financial goal of the vast majority of people who hold a job, according to a recent T. Rowe Price survey. That’s great news. We have a savings crisis in America and...

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By One Measure, At Least, We’re All Better Off Than We Were 4 Years Ago

Are you better off than you were four years ago? It’s a popular question at election time, and many Americans say they are not. But before you decide, though, it may be worth taking a close look your...

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Retirees Embrace Junk Bonds at Just the Wrong Moment

The search for yield is reaching a crisis state. In the past few years, millions of retirees have curbed spending, gone back to work, or drawn down assets at an unsustainable pace in order to make ends...

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Why Retirees Can’t Absorb a Tax Hike

With Election Day here and the fiscal cliff looming, it’s at least topical to consider the impact of higher tax rates on retirement saving. The short answer: Higher tax rates would hurt. We already...

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Is Dollar-Cost Averaging Dumb?

Few savings strategies are more ingrained than dollar-cost averaging, where an individual invests a set amount at set intervals through thick and thin. This is essentially how your 401(k) works. Saving...

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5 Tax Moves to Make by Yearend

The end of any year calls for a certain amount of routine tax planning—defer income, accelerate expenses, make a charitable donation. But this isn’t just any year; this is Taxmageddon. With the looming...

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Fiscal Cliff: Why Congress Might Have to Mess with the 401(k)

One of the earliest fears about tax-favored savings accounts like IRAs and 401(k) plans was that when this pool of savings grew large enough Congress would not be able to resist tapping it to help...

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Birth Rate Plunges During Recession

The youngest baby boomers will begin turning 50 next year, a noteworthy milestone in the graying of America. But the more important data point may be this: Last year, the birth rate in America fell to...

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How Much Should You Save for Retirement?

It’s one of the toughest financial questions to answer: How much do you need to save for retirement? Save too little and you might find yourself working at McDonald's during “retirement” — or living...

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Why Limiting the Charity Tax Deduction Won’t Destroy Charities

At least one part of negotiations over the fiscal cliff appears misguided: Eliminating or capping the tax deduction for charitable contributions isn’t as big a deal as some fear. Republicans have...

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Why Your 401(k) Match Will Get Cut

Employee benefits are constantly evolving, and the trend line isn’t great for most workers. Last week, IBM—an often copied benefits leader—delivered another blow. The business services giant revamped...

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Going Back to Work? Look for Companies Offering a ‘Returnship’

A thriving industry has sprung up around people 40-plus going back to work or switching careers. The newest wrinkle is something called a “returnship,” which is practiced at a handful of leading...

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