Posted on Saturday, 6th April 2013 by Paul Risser
After you leave work, what will your life look like? How do you picture your future? If you are like many baby boomers, your view of retirement is likely pragmatic compared to that of your parents. That doesn’t mean you have to have a “plain vanilla” tomorrow. Even if your retirement savings are not as […]
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Posted on Monday, 1st April 2013 by Dennis Damp
The stock market is up and the DOW stock market index has recovered from its low of 6629 in March of 2009 to over 14,000 recently. Interest rates and yields on CDs, treasuries, and savings have remained historically low. The government has artificially maintaining interest rates well below norm to stimulate the economy and to […]
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Posted on Wednesday, 13th March 2013 by Dennis Damp
The Sequester has many feds concerned about furloughs, possibly an extended pay freeze, and fewer resources to get the job done. Retirement applications may also take longer to process if HR specialists are furloughed. The good news is that it isn’t happening overnight and Congress is working to reduce the impact when this kicks in. […]
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| Comments (0)Posted on Sunday, 3rd March 2013 by Paul Risser
Why do so many people choose them over traditional IRAs? The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced in 1998, its popularity has soared. It has become a fixture in many retirement planning strategies, because it offers savers so many potential advantages. The key argument for going Roth […]
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| Comments (0)Posted on Friday, 22nd February 2013 by Dennis Damp
I received my annual TSP statement several weeks ago and each year I find it informative. It’s a good tool for evaluating your fund’s performance and comparing it to other investments. The highlights this year pointed out one of the true benefits of the TSP; the low expense ratio that we pay compared to other […]
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| Comments (0)Posted on Friday, 1st February 2013 by Paul Risser
Save a little more for retirement. Presented by Paul H. Risser Time to boost your IRA balance. In 2013, you can contribute up to $5,500 to your Roth or traditional IRA. If you will be 50 or older by the end of 2013, your contribution limit is actually $6,500 this year thanks to the IRS’s […]
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| Comments (0)Posted on Monday, 21st January 2013 by Dennis Damp
I discussed the advantages and limitations of TSP ROTH conversions in my last column. THRIFT Plan participants are currently prohibited from converting their traditional TSP accounts to a ROTH. Changes may be on the way that will allow you to convert part of your TSP to a ROTH. The President approved the American Taxpayer Relief […]
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| Comments (0)Posted on Monday, 14th January 2013 by Paul Risser
Different ways to respond to the challenge. Presented by Paul H. Risser As you retire, there are variables you can’t control; investment performance and fate are certainly toward the top of the list. Your approach to withdrawing and preserving your retirement savings, however, may give you more control over your financial life. Drawing retirement income […]
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