From the category archives:

Retirement Planning

Traditional IRAs and Roth IRAs: Here’s what’s new for 2008

by DR

The IRS each year issues a very helpful and thorough publication about Individual Retirement Accounts or IRAs. Called Publication 590, the document covers traditional IRAs, Roth IRAs, SIMPLE IRAs and other related issues. The IRS just released its 2007 edition (it comes at the end of the year). It’s available as a pdf, [...]

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A Helpful 401(k) & IRA Rollover Chart from the IRS

by DR

That’s right, the words helpful and IRS sometimes go together. The IRS has produced a chart showing whether a rollover between 401(k), 403(b), 457(b), IRA, Roth IRA, SEP IRA and SIMPLE IRA accounts is permitted. Clicking on the chart or here will download a pdf version of the chart. The chart includes [...]

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Building a Sound Asset Allocation Plan

by DR

Year end is a perfect time to give your retirement and other investments an annual tune-up. Each year at this time I evaluate my 401(k), rollover IRA and taxable investment accounts to see if I should make any changes to my asset allocation plan for the next year. Generally, I look at five [...]

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FAQs from The Ultimate Guide to Traditional and Roth 401(k) and IRA Retirement Accounts

by DR

Since publishing The Ultimate Guide to Traditional and Roth 401(k) and IRA Retirement Accounts, I’ve received a number of questions about retirement plans that weren’t covered in the article. I’ve responded to these questions in the comments to the article, but I thought it would be helpful to discuss some of them in a [...]

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Carnival of Personal Finance (@ Get Rich Slowly) and Lifehacker

by DR

On Monday, JD at Get Rich Slowly hosted the Carnival of Personal Finance. JD selected my article on 401k and IRA retirement accounts as an editor’s pick. From that, Gina at Lifehacker picked up the piece and linked to it as well. As a result, thousands have read the article, and many [...]

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SEP-IRA and 401K–Can you contribute to both?

by DR

If you have self-employed income in addition to your regular job, can you contribute to a SEP IRA even if you have a 401k at work? This question has hit home for me this year because I’ll have income from this website. While I’ve decided that the income is not enough to warrant [...]

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Four Incredibly Useful Financial Calculations You Can Do In Your Head

by DR

I came across four useful financial calculations that you can perform in your head and thought I’d pass them along. Here they are:
What am I giving up in retirement savings when I spend money today?
This is an easy one–add a zero to the price tag. Assuming you have 30 years to retirement and [...]

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Roth and Traditional 401(k): Why not invest in both?

by DR

The question of whether to invest in a Roth or traditional has come up a lot lately. Yesterday I wrote about these retirement accounts in the The Ultimate Guide to Traditional and Roth 401(k) and IRA Retirement Accounts. In that article I linked to a Roth 401(k) calculator that can help you determine [...]

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The Ultimate Guide to Roth and Traditional 401(k) and IRA Retirement Accounts

by DR

When it comes to boosting your retirement accounts, the IRS has sent us help in the form of tax advantaged accounts like a 401(k) and an IRA. If we don’t take full advantage of these money making tools, we are turning away help when we need it the most. In this article, I [...]

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