Savings Archives

Many investors are focusing on Jan. 1, 2010 as the key date for Roth conversions. Just in case anyone’s not clear about this, that’s the start date, not a deadline. Read more»
Year-end moves like rebalancing and selling money-losing investments for tax purposes can generate cash for a rainy-day fund. Next question: Where should that fund be kept? Most people choose savings accounts, checking accounts or money markets. But a “laddered” series of certificates of deposit can help stretch the interest earnings. Read more»
For many investors, deciding whether to convert to a Roth IRA hinges on a bet about future income-tax rates. But there’s another tax question that can slip by unnoticed: Will capital gains rates go up or down? Read more»
Deals of the Week: Dec. 2
By: Brian O'Connell
Economists will pore over two key jobs reports this week — today’s ADP National Employment Report, where the experts anticipate 160,000 private sector jobs were lost in November, and Friday’s monthly unemployment report from the U.S. Labor Department. If the ADP report is correct, it would mark yet another month where more jobs were lost than gained, thus causing more anxiety among employers and consumers. Read more»
Thousands of Americans will receive a lump of coal for the holidays: a layoff notice from an employer trying to polish the books by year-end. Read more»
The Obama administration has dropped a Bush-era plan to make it easier for brokerages and mutual fund companies to give investment advice to participants in 401(k) plans the firms administer. Where, then, should employees turn for investment advice, and what would good advisers tell them? Read more»
Why the Deficit Matters
By: Jeff Brown
The U.S. economy is limping along, looking healthier one day and suffering a setback the next. But one economic indicator never gets any better: the soaring federal budget deficit. Read more»
Many resolute retirement savers sock money away in traditional IRAs even if they don’t get a tax deduction on contributions. That can have an unplanned and pleasing result: minimizing taxes if you convert to a Roth. But non-deductible contributions can also make the tax calculations trickier, and they can complicate decisions about how to handle other types of retirement accounts such as 401(k)s. Read more»
For most people, investing in a traditional or Roth IRA has one goal above all others: funding retirement. Read more»
Investors facing the Roth-conversion decision tend to see it as an either/or proposition: keep everything in the traditional IRA, or convert everything into a Roth. But there’s a third option: leaving some money in the traditional IRA while converting the rest. Read more»
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