Retirement

Retirement Help, My 401(k) Stinks!
Think your 401(k) is free? Think again. All 401(k) providers impose fees on top of fund expenses, and smaller companies are the ones who are charged the most.

Retirement Worksheets

The Roth 401(k) Estimator
Should you sign up for this great new employer-sponsored retirement plan? Crunch your numbers in our worksheet to find out.
The SmartMoney Retirement Worksheets
Find out just how much you need to save for retirement, and how you can get there.
How Long Will My Money Last?
Don't let this fear keep you up at night. We'll tell you if you've saved enough.
The SmartMoney 401(k) Planner
How big will your nest egg be when it comes time for retirement? Big enough for early retirement, perhaps?
401(k) Contribution Calculator
See how increasing or decreasing your 401(k) contribution affects your take-home pay.
The SmartMoney.com Asset Allocator
Are you invested too conservatively or too aggressively? Now more than ever, it's crucial that you strike the right balance.

IRAs

Rolling Over Retirement Accounts
Mess this up and you could face a 10% early withdrawal penalty. Here's how to do it right.
Tapping Your IRA Penalty-Free
Your IRA is not Fort Knox. If you really want to, breaking into it before retirement is indeed possible.
Frequently Asked Questions About IRAs
Everything you've always wanted to know about your IRA, but were afraid to ask.
Introducing the Roth 401(k)
This nifty retirement-savings option might be right for you. Here are the details.

Now That You're Retiring

Social Security for 2008
The Social Security payout raise for 2008 is the lowest since 2004.
Last-Minute Retirement Planning
If you're fiftysomething and underfunded, don't fret. We've got some solutions.
Ready, Set, Retire!
Preparing to take the plunge? Then you can't afford to miss our primer on investing during retirement.
Tax Consequences
So your days as a working stiff are finally over. But before you tap your retirement accounts, read here about how to minimize your tax hit.
Tax-Friendly Moves for Early Retirees
Here's how to tap retirement accounts without getting socked with early withdrawal penalties.
The New Retirement
And now for something completely different: As baby boomers approach retirement, they're redefining the word.

Investing for Retirement

What's Wrong With Variable Annuities?
Variable annuities usually benefit the people who sell them far more than the investors who buy them.
Laddering Your Bonds
Diversification is as important in bond investing as it is in stock investing.The best way to do this? Set up a bond ladder.
Talent Pool Drying Up
As a generation of baby boomers prepares to exit the work force, companies realize that a vast amount of experience and knowledge is leaving with them.

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Personal Finance

Dodging Your Lease
By Aleksandra Todorova
When Credit-Card Debt Is Better Than Home-Equity Debt
By Aleksandra Todorova

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