401(K) Roundup, April 2010.

It’s been way too long since I’ve caught up on my blog reading, and as I was doing so I discovered a couple of really good posts about 401(k) plans and retirement that I thought I’d share.

The first post is from Kyle at Amateur Asset Allocator titled, 401k Rollover Options:

A rollover of 401k [...]

Does A Roth Conversion Make Sense?

2010 has been heralded as “the year of the Roth” in numerous investment publications. It’s easy to see why – the tax laws that govern income limits on Roth investments were modified so that the limitations were removed at the start of 2010.

Prior to that change, Roth IRA accounts were off limits to [...]

Finally, an Income For Life Model That’s Real!

The investment media is awash in various income for life scams that guarantee you can invest in their system and never lose another penny. Obviously, such claims fall into the “to good to be true” basket of the investment scam smell test.

But back in November 2, 2009, Kiplinger’s offered a real-life investment model for lifelong [...]

8 Ways to Rock Your Roth Conversion.

When the calendar passed from December to January, we bid a not so fond adieu to 2009 as well as the rollover income limitation associated with transitioning a traditional IRA to a Roth IRA. This is a good thing if  converting to a Roth IRA makes sense for you.

The Roth IRA is one of the [...]

Are Target Date Funds good, bad or just plain ugly?

Target date funds have been in the news quite a lot over the past few years, though the nature of the news seems to have gone from great to bad over that time. Consider that when target date funds were first introduced they were heralded as the pinnacle in the evolution of investment vehicles. They [...]

3 Tips to Make Your 401(k) Work for You.

Morningstar has a terrific article (available to free members) titled Three Tips to Make Your 401(k) Work for You and I love it! Here’s a brief sample of why:

It’s surprising there aren’t many calls in the press to ditch the automobile. After all, think of all the dumb things people do with them. They drive [...]

Investing for free in 2010 with ING Direct!

Here’s a freebie for your Friday…

Open an IRA & invest for FREE in 2010!

ING Direct is offering a year’s worth of investing credits if you open an IRA with them before April 15, 2010.

Here are the details:

no-fee IRA
free Automatic Investment Plan (AIP) credits to use all year long, if you open your account before April [...]

2010: The year of the ROTH.

This is a friendly reminder for anyone with retirement savings who is concerned about paying higher taxes in retirement: new tax rules remove earnings limits on Roth IRAs.

Prior to the start of 2010, you could not open a Roth IRA if:

Your individual adjusted gross income was $120,000 or more
You and your spouse’s adjusted gross income [...]

5 Things to Do When You Have a Bad 401(k) Plan.

401(k) plans can be a great way to save for retirement and let your savings grow tax-free. But the plans are chosen by employers and managed by 3rd parties and don’t always have the best options. IRAs give you the entire universe of investments to choose from, but most employers offer a free match on [...]

When it Comes to Investing, Simplicity Rules.

There was a time when only the wealthy and well connected could invest in the stock market. Then IRAs and 401(k) plans ushered in a new era of the “common man” investor. Flash forward a bit more, to the Internet age, and we have a grand democratization of the stock market.

Not too long ago, you [...]