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Investing for Retirement

Appropriately managing your investments means making periodic changes. Learn how your investment philosophy should mature as you become an experienced investor and near retirement age. From asset allocation and re-balancing to dollar cost averaging, master the strategies that will help you maximize the value of your retirement plans.

Make Sense of Your 401(k) Investment Options
Do you understand what each investment in your retirement account does? Sort our your investment options by understanding some of the common types of 401(k) investment options.

How Index Funds Work
Index mutual funds offer a low-cost, tax-efficient way to invest in broad segments of the market. They also tend to outperform the competition. Here's why.

Help! The Market Is Down
When the market takes a dive, it's normal to get a little worried. But should you act on that worry? Here's what to consider when the stock market goes down.

The 5 Biggest Retirement Mistakes
Want to retire wealthy or at least comfortable? Avoid these retirement mistakes.

How Much Can I Contribute to a Roth IRA in 2012?
Find out the Roth IRA contribution limits and income limits for 2012.

How to Build a Laddered Portfolio
A laddered portfolio can be created with bonds, CDs or other fixed-income investments. But how does a bond ladder work, and is it right for you?

Top 5 Retirement Planning Essentials
If you haven't started building your nest egg, or even if you have, get to know the five most important things to know about saving for retirement.

Understand Risk Before You Invest
Investing is risky, make no mistake. But you can manage risk and create an investment portfolio that lets you sleep at night. Here's how to sort out risk and investing.

Is Your Portfolio in Balance?
Understanding portfolio rebalancing and why it should be on your annual to-do list.

Your Choices When Investing for Retirement
An overview of the various investment opportunities for the long-term retirement investor.

Should I Own Stocks in My Retirement Account?
Why individual stocks may not be the best investments for your retirement fund.

Understanding Annuities
Learn how annuities work and why they may or may not be right for your retirement plan.

Make Sense of Variable Annuities
Are you considering a variable annuity? Before you sign on, make sure you can answer these crucial variable annuity questions.

Make Sense of Variable Annuities
What is a variable annuity, how does it work, and should investors consider one?

What Is a Mutual Fund Prospectus?
Don't avoid reading that mutual fund prospectus from your fund company. Dig in and get to know the facts about your investment.

Vanguard is one of the largest and most well respected mutual fund companies. Find out why investors trust this financial giant and its founder, John C. Bogle.

T. Rowe Price
T. Rowe Price is one of the oldest, largest and most well respected investment firms. Learn more about this mutual fund giant and its investing guru founder, Thomas Rowe Price.

Fidelity is the largest investment company in the US. Learn more about this mutual fund giant.

Fidelity is the largest investment company in the US. Learn more about this mutual fund giant.

What Is a Large-Cap Equity Fund?
There are many types of large-cap equity funds, and you've probably seen a few in your 401(k) plan options. Find out what a large-cap equity fund is, and what to look for in a large-cap equity fund.

REITs and Retirement
Understand how REITs work and how they can fit into your retirement investment portfolio.

Self-Employed Retirement Plans
Have a small business that doesn't require a big 401(k) plan? Find out which small business or self-employed retirement plan is right for you.

Understanding the Roth 401(k)
A Roth 401(k) is a combination of retirement account types. Find out how the Roth 401(k) works and whether it could work for you.

Use Your Tax Refund to Save for Retirement
Want to turn a tax refund into a good investment? Save a portion of your refund in a tax-favored retirement account and you could wind up with a tidy income at retirement.

Investing for Retirement: Your Time Horizon Matters
When you consider how to invest, one of the most important criteria is how much risk you can afford to take. While other factors influence your risk tolerance, one of the most important is your time horizon. Make sure you understand the right way to evaluate your time horizon before making critical investment decisions.

Essential Investing Terms
Become a better investor by defining your financial terms. Learn the lingo, and start talking and thinking like a financial pro.

Your Risk Tolerance and Your Investments
Since your risk tolerance drives your investment decisions, not to mention how you should expect your portfolio to grow, gaining an understanding of your personal tolerance for risk is critical.

The Benefits of Diversification
Never put your eggs in one basket. True in life, true in investing. Learn how diversification enables you to increase your expected return without increasing your expected risk.

Introduction to Asset Allocation
According to many researchers, nothing is more important to your long term investing success than establishing a proper asset allocation. Start by learning all about asset allocation.

Before You Sell High, Buy Low: The Advantages of Dollar Cost Averaging
Buy low, sell high. Great advice but tough to execute, right? On a daily basis, it's nearly impossible. But over a lifetime of investing, dollar cost averaging can make such a practice automatic.

An Overview of Index Funds
Learn why low-cost index funds are among the best ways to start investing for retirement.

Introduction to No-Load Funds
Some mutual funds charge loads. Many others do not. Learn about the significant cost savings available through the purchase of no-load funds.

Mutual Funds and Retirement Investing
Mutual funds provide affordable professional management and instant diversification, two key considerations for the beginning investor. Learn how to get started investing with mutual funds.

Benefits From an Automatic Investment Program
Saving and investing consistently throughout your working career is a cornerstone to an eventual successful retirement. An automatic investment program (AIP) will help you achieve your savings and investing goals. Learn how to implement an AIP as part of your financial plan.

Rebalancing Your Investments
In conjunction with dollar cost averaging, portfolio rebalancing allows you the ability to buy low and sell high during the course of your investment life. Make sure you understand how to automate both strategies.

An Overview of Money Market Funds
Just because you have to keep part of your portfolio invested conservatively, doesn't mean you have to keep your funds in a mattress. Learn about the safety and earning power available from money market funds.

Safe Investing - Retirement Planning Safe Investing
Safe investing through cash, cash equivalents, and fixed income is increasingly important as you get close to or enter retirement. Still, the advantages of greater security from safe investing are somewhat offset but the greater risk inflation presents.

Bond Investing for Retirement
Understand the key considerations when using bonds as part of your retirement plan portfolio.

Stock Investing for Retirement
Learn the basics of investing in stocks for retirement.

Features of Lifecycle (Target Retirement) Funds
Some people like the idea of putting their retirement planning investment decisions on auto-pilot. Lifecycle, or target retirement funds can help you accomplish this objective.

Exchange-Traded Funds (ETFs) Overview
Exchange traded funds, or ETFs, are an increasingly popular investment tool. Learn the advantages and disadvantages of using ETFs in your retirement planning portfolio.

Certificates of Deposit (CDs) and Retirement Planning
Certificates of deposit can be an important consideration when you near retirement. Learn the advantages and disadvantages of using CDs in your retirement plan.

How FDIC Insurance Works
FDIC insurance covers most bank deposits held at most banks. However, the rules governing what savings are covered are a web of complex regulations primarily focused on how your accounts are titled. Learn the intricacies to make sure your money is as safe it can be.

Annuities and Retirement Planning
Learn the advantages and disadvantages of using annuities as part of your retirement plan. (There's plenty of both.)

Whole Life Insurance and Retirement Planning
Learn when it might make sense to use life insurance as part of your retirement plan.

What's Investing Style?
Do you know your investing style? Get to know the types of investing styles and determine which fit in your portfolio.

Mutual funds vs. Exchange Traded Funds (ETFs)
There are many ways to invest your retirement savings. Mutual funds and exchange traded funds are important investment vehicles for your retirement. Find out which one is right for you.

Definition of an Annuity

How are Financial Advisors Paid?
Financial advisors can be paid in different ways. Make sure you understand each type of compensation and choose the right advisor for you.

The Importance of Rebalancing
Rebalancing is an important part of retirement planning, especially during a time of volatility in the market.

What Is a Catch-Up Contribution?
If you are age 50 or older, you can stash a little bit more away each year in your retirement account. It's called a catch-up contribution. Here's how it works.

Retirement Investing - Getting Help
Since your retirement plan might be the most valuable asset you have, it pays to take it seriously. So is professional advice a good idea? Sometimes. Learn if hiring a pro makes sense for you and, if so, the types of things you ought to be thinking about before you sign on the dotted line.

What Is a Stable Value Fund?
If you have a 401(k), chances are you may have a stable value fund available to you. What are stable value funds and why are they so popular?

What Is an Intermediate Term Bond Fund?
The intermediate-term bond is among the most common options offered in employer-sponsored 401(k)s. What are intermediate-term bonds and what makes these funds so popular?

Investing for Retirement in Your 20s and 30s
When you're just starting out in the real world, retirement investing often seems complicated. But, as you'll see in this article, investing in your 20s and 30s is fairly straightforward.

What Are Target Date Retirement Funds?
Target-date retirement funds do the asset rebalancing for you. They offer a "set it and forget it" approach to retirement investing.

What Are International Equity Funds?
If you have a 401(k), you've probably seen an international equity fund option. What is an international equity fund, and should you own one?

Investing for Retirement in Your 40s and 50s
Now in your peak earning years, you may be able to save more than previously. Here's a primer to make sure you and your investments are on the right path to a comfortable retirement.

What Are Small-Cap Equity Funds?
Small cap equity funds may be among the fund choices in your 401(k). Find out what small-capitalization equity funds are and why you might want to invest in them.

Investing for Retirement - Pre-Retirees
With retirement nearly upon you, long-term investing takes a new meaning. But with life expectancies rising, you've still got to plan (and hope) to be around for a while. Learn how to manage your investments to reflect this new reality.

What's Diversification?
What diversification is and how to diversify your investments.

Investing for Retirement When You've Already Retired
You made it! Now, you have to make sure your money lasts at least as long as you do. Here are the most important considerations for managing your money when you're in retirment.

Retirement Risks
Five wild cards that could put your retirement at risk, from financial planner Louis Mack.

What You Are Paying for Your Mutual Fund
Make sense of mutual fund fees.

Gold Investing for Your Golden Years
How a gold IRA works for investors who want to own precious metals in their retirement account.

Retirement Plan Fees
Understand the fees you pay in your retirement plan

What Is Asset Allocation
What Is Asset Allocation?

The Safe Investor

The Thrift Savings Plan
Thrift Savings Plans or TSPs are like 401(k) plans for federal government employees.

Ease Your Financial Anxiety
4 ways to help relieve financial stress and money worries.

Taxable vs. Tax-Deferred Investment Accounts
Which types of investments should go in a taxable account and which should go in a tax-deferred account?

Asset Allocation and Your Investments
Understanding asset allocation

Financial Engines Profile
Profile of Financial Engines, an investment advisory service offered through large employers and retirement plan administrators.

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