Common Factors Affecting Retirement Income

All investments are subject to risk and loss of principal. When sold, investments may be worth more or less than their original cost. Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before...

Eleven Ways to Help Yourself Stay Sane in a Crazy Market

Words to ponder “Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful.”...

Designing a Benefit Package for Your Small Business

Before making any assumptions about which benefits to offer, consider soliciting ideas from your employees. The best benefit programs are those that your employees value most. If you’re a small business owner, you face many challenges in growing your company....

Risk Management and Your Retirement Savings Plan

All investing involves risk, including the possible loss of principal, and there can be no assurance that any investment strategy will be successful. Investments offering a higher potential rate of return also involve a higher level of risk. Asset allocation,...

Changing Jobs? Take Your 401(k) and Roll It

In some cases, you have no choice–you need to use the funds. If so, try to minimize the tax impact. For example, if you have nontaxable after-tax contributions in your account, keep in mind that you can roll over just the taxable portion of your distribution and...