10 Years and Counting: Points to Consider as You Approach Retirement

12016 Retirement Confidence Survey, Employee Benefit Research Institute 2SSA Annual Statistical Supplement, 2015, released April 2016 3Note that if you work while receiving Social Security benefits and are under full retirement age, your benefits may be reduced until...

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...

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...

Annuities as an IRA Investment Option

*Annuity guarantees are subject to the claims-paying ability and financial strength of the annuity issuer. The guaranteed lifetime withdrawal benefit allows you to receive an annual income for the rest of your life without having to annuitize the annuity’s...

Five Keys to Investing For Retirement

Inflation means that you’ll probably need to contribute more to your retirement plan than you think. What seems like a healthy amount now is likely to feel smaller and smaller over time. All investing involves risk, including the possible loss of principal, and...

Working During Retirement

According to the Employee Benefit Research Institute’s 2016 Retirement Confidence Survey, 67% of workers plan to work in retirement, but historically only about 1 in 4 retirees have been able to do so. If you plan to work during retirement, consider how you...