The retirement-plan tag has no wiki summary.
5
votes
2answers
140 views
Why are US target retirement funds weighted so heavily towards US stocks?
I am looking at Vanguard's Target Retirement Fund VTIVX. This funds' split between US to International stocks is 2:1 (62:27 to be more exact). So for every dollar invested outside US, two dollars are ...
2
votes
3answers
81 views
Help required on estimating SSA benefit amounts
Is there a calculator that will estimate my SSA benefit amounts given:
a list of all FICA contributions I (and my spouse) have made till date (and plan to make)
the age at which I intend to start ...
0
votes
2answers
54 views
Will a contribution towards Traditional IRA be deductible for 2012?
I switched to a job in 2012 which didn't offer a retirement plan in October, 2012. Prior to this job, I was covered with an IRA account from my previous employer. I will be filing the returns with my ...
11
votes
9answers
517 views
Why is retirement planning so commonly recommended?
I'm just graduating college, and I'm starting to educate myself on economics, finance, and investing, and everything I see is sort of screaming at me "PLAN YOUR RETIREMENT!!"
Now, I know this sounds ...
2
votes
3answers
270 views
Rules of thumb for present value of retirement funds given current age and income?
I know the general rule of thumb is you should save 15% of income to retirement, but I'm playing catch-up after years of neglect and contributing 25% until I catch up again. But how will I know when ...
7
votes
3answers
153 views
How to find a good third-party, 401k management/advice service?
I have a 401k with my employer that offers a pretty good contribution matching benefit. I am young and I've had the plan for about 5 years and my money is starting to grow into a pool that is big ...
6
votes
6answers
171 views
When should I start saving/investing for my retirement?
I just started out with my first job and I was curious, what is a good time when I should start with my long term saving plans?
Update:
Thanks for the advice and I was expecting that answer. So my ...
6
votes
1answer
132 views
Has anyone created a documentary about folks who fail to save enough for retirement?
In this question, the OP suspects that she simply needs to select the right annuity to solve her money problems.
And in her defense, many financial institution commercials try to convince soon-to-be ...
3
votes
1answer
179 views
Can I contribute to both a solo 401k and a regular 401k in the same year?
I was self employed during the first quarter of 2011, then switched to full time employment.
I have a solo 401k that I haven't contributed to in tax year 2011.
I have been contributing to my ...
8
votes
1answer
462 views
Options for a Simple IRA when leaving a job: Leave as is or roll it over?
I currently have a Roth IRA that I max out every year. My current company had Simple IRA and contributed 2% of my salary and I contributed 6000 a year. Now I am leaving the company and was hired by ...
5
votes
2answers
563 views
How much money do I need to have saved up for retirement?
I'm 29, and just started a new job with an excellent mandatory retirement plan. I contribute 5.5 percent of my salary and my employer deposits an amount equal to 8.5 percent of my salary. I have a ...
4
votes
1answer
144 views
DIY retirement savings plans for Canadian small business?
I work for a small business that currently offers no retirement plan. A few of my coworkers and I are more or less couch potato investors, but we each manage our own self-directed RRSPs or mutual fund ...
16
votes
9answers
748 views
Any experience with maxing out 401(k)?
I'm 23 right now, and I'm currently contributing about 6% of my salary to a 401(k) with an employer that matches 20% of my contribution up to 6%. Based on various calculators, continuing at this rate ...
15
votes
6answers
1k views
If I make over 120k a year, what are my options for retirement plans?
I will be starting a job on Monday that yearly will net me in excess of 120k. I know that this income exceeds the maximum earnings for a Roth IRA and I'm sure other things. I'm a complete newbie when ...
