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Retirement

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Why Market Returns May Be Lower in the Future
by Veerapan Perianan
March 13, 2017

 

Roth IRA Conversion: Does it Make Sense?
by Rande Spiegelman
February 15, 2017

On the fence about a Roth IRA conversion? Consider these factors before making a decision. 

When Should You Take Social Security?
by Rande Spiegelman
May 17, 2016

You may be eligible to collect Social Security as early as 62, but waiting until age 70 yields greater benefits for most people. Here's how to decide.

Bond Ladders: A Useful Tool for Retirement Income
by Rob Williams
April 18, 2016

Bond ladders can help you manage cash needs in retirement, allowing you potentially to take more risk elsewhere in your portfolio.

Market Volatility: What If You Don’t Have Time to Recover?
by Rob Williams
March 09, 2016

When the market drops, it's generally a good idea to stick to your long-term investment plan. But what if you don’t have time to recover?

Retired but Thinking of Going Back to Work?
by Rande Spiegelman
September 01, 2015

If you're a retiree who's considering returning to work, your decision may impact your Social Security benefits, Medicare benefits and taxes.  

Roth vs Traditional IRAs: Which Is Right for Your Retirement?
by Rande Spiegelman
April 03, 2015

Important distinctions exist between traditional and Roth IRAs, including eligibility and contribution limits. Here's a guide to help you decide what's best for you.  

How to Create a Sustainable Retirement Spending Plan
by Rob Williams
February 25, 2015

To set up a sustainable retirement spending plan, we recommend tapping multiple sources of cash flow.

10 Ways to Save More for Retirement
by Rande Spiegelman
October 01, 2014

Are you behind on your retirement savings? Here are some tips to help you get caught up -- or make the most of what you have.

4 Small Business Retirement Plans Worth Considering
by Rande Spiegelman
September 17, 2014

Most of us are familiar with 401(k) plans. Here are some additional retirement accounts available to smaller companies with fewer (if any) employees. 

Do You Have Money Smarts?
by Carrie Schwab-Pomerantz
August 28, 2014

Don’t let these common money myths derail your finances.

What Do I Need to Know About Estate Taxes?
by Carrie Schwab-Pomerantz
July 07, 2014

Federal estate taxes apply to only a small fraction of taxpayers. But even if you don’t have to pay federal estate taxes, you may be on the hook for state taxes.

IRA Tax Traps: Know the Rules
by Rande Spiegelman
June 06, 2014

IRAs may offer tax benefits, but unwary investors can end up in a variety of IRA-related tax traps if they don't follow the rules. Here's how to avoid some common pitfalls.

The Financial Side of Remarrying Later in Life
by Carrie Schwab-Pomerantz
May 30, 2014

What to consider before tying the knot.

When Is the Best Time to File for Social Security Benefits?
by Carrie Schwab-Pomerantz
April 28, 2014

Don't lose out on valuable benefits by collecting Social Security too early. Carefully weigh your options to get the best return on your money.

Newly Retired? Fresh Ideas for Managing Your Retirement Income
by Carrie Schwab-Pomerantz
March 19, 2014

When tapping into your retirement accounts, learn which accounts and investments to draw from first.

9 Tips to Help Maximize Your Retirement Nest Egg
by Carrie Schwab-Pomerantz
March 18, 2014

Now that you've built your retirement nest egg, learn the best ways to help maximize it.

Saving for Retirement: IRA vs. 401(k)
by Rande Spiegelman
October 11, 2013

We break down which retirement accounts—IRAs or 401(k)s— may be right for you, and in what combination.

Nine Fundamentals for Generating Income in Retirement
by Rob Williams
July 17, 2013

You've saved diligently and carefully for your retirement—now it's time to turn your savings into income. 

Can You Catch Up on Retirement Savings?
by Mark W Riepe
June 28, 2013

Even twentysomethings should be saving for retirement. Learn about the price of procrastination, and review simple strategies to boost savings now. 

Two Types of Annuities for Retirement Income
by Rob Williams
March 27, 2013

After working hard to save for retirement, you'll need to manage market risk and generate income that lasts—annuities are one tool that can help.

Shopping for a Fixed Annuity
by Rande Spiegelman
October 18, 2012

Here's how to evaluate whether an immediate fixed annuity makes sense for you—and how to get the best deal. 

Lump Sum Vs. Annuity
by Rande Spiegelman
June 29, 2012

Should you take a lump sum or a monthly paycheck for life? How to decide.

All-in-One Retirement Checklist
by Rande Spiegelman
April 23, 2012

Whatever your age, it's not too late to get on track. Here are some important milestones for achieving the retirement you want.


Investors should consider carefully information contained in the prospectus, including investing objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income and small capitalization securities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.