turning a dial to adjust - using target date funds to adjust risk

Using Target-Date Funds to Dial Your Risk Up or Down

Target-date funds are available in just about every 401(k) these days and most other investment accounts as well. And they can be incredibly useful for

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Saving Enough for Retirement When Money Is Tight

One of the biggest financial challenges for everyone during their professional years is saving for retirement. The idea of needing to save hundreds of thousands

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Why a High Income Doesn’t Guarantee You’ll Retire Rich

No matter how much you earn, it’s easy to assume having more money would solve your economic woes. If you could just bring home a bigger paycheck,

woman looking at phone in disbelief

Are Jean Chatzky’s Retirement Savings Benchmarks Realistic?

“Today Show” financial editor Jean Chatzky tweeted on Wednesday what appeared to be a simple bit of retirement planning advice. “By the time you’re 30,

A senior couple sits by a pond. Seniors have several ways to take advantage of travel discounts.

The Ultimate Guide to Senior Travel Discounts

Wanderlust has no age limit. For many Baby Boomers and members of the Silent Generation, your Golden Years are a time to go on the

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Getting Through the ‘Sandwich Years’

A few days ago, I was listening to the always enjoyable Talk of Iowa program on our local public radio station. They were having a

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When It’s Too Costly to Retire

A few days ago, the Washington Post published an amazing article by Mary Jordan and Kevin Sullivan entitled The New Reality of Old Age in

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What Would You Do to Retire Early? Three Ways to Help Make It Happen

Most of us who read money blogs like the Simple Dollar do so because we have real-life financial goals. If you’re like me, your goals

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Outrageous Investing Fees You Should Never, Ever Pay

Worried about paying too much in investing fees? It might be time to take stock of your investments and their ongoing costs, then search for

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All About Bonds: How They Work and When to Buy Them

Stocks get most of the play when it comes to investment news, books, and articles, with bonds typically playing the role of the sidekick. But

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Six Fresh Ways to Think About Retirement Savings

Most of the ways in which people talk about retirement these days follows along a few narrow lines. Put away 10% of your salary into

stacks of coins on desk - roth ira income limits for 2016 roth ira contribution limits

Why You Shouldn’t Use a Roth IRA as an Emergency Fund

Nadine writes in: Does it make sense to use a Roth IRA as an emergency fund? It seems like I could contribute money to it,

woman worried about finances and money - 401k myths

Three Myths About Your 401(k)

With traditional pensions all but disappearing, the workplace retirement plan has become the bedrock of many people’s retirement savings strategy. Four out of five Americans


The ‘Coast’ Strategy for Retirement Savings – and How to Implement It

Erika writes in: 23 years old, graduated last summer and finally got a good job in my field making $60K in a good cost of

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Nine Money Mistakes New Retirees Can’t Stop Making

If you’re on the fast track to retirement, you’re probably busy planning your new, post-work world. Perhaps you’re considering a stint as a volunteer, or

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A Simple Guide to Choosing a Strong Investment Option in Your Workplace Retirement Plan

Noelle writes in: I finally decided to start saving for retirement using the 401k at work. I’m 39 years old. I have been trying to

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What to Do When Saving Anything Meaningful for Retirement Seems Impossible

Frank is a reader of Money360 who has messaged me on Facebook a few times. He has a solid job working for the

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How to Choose the Best Health Savings Account

Ever since the passage of the Patient Protection and Affordable Care Act (PPACA), Americans have shown a renewed interest in health savings accounts, or HSAs.