Key Points Roth IRA conversions can decrease your future RMDs, but they’ll raise your tax bill this year. A qualified charitable distribution (QCD) is an alternative to RMDs that won’t raise your tax bill. Money you withdraw and donate to a charity yourself won’t qualify as a QCD. The $23,760 Social Security bonus most retirees […]
Key Points Social Security is six years away from a possible 22% benefit cut. This could reduce average benefits by up to $556 per month in some states. Washington will likely intervene to prevent these cuts from occurring. The $23,760 Social Security bonus most retirees completely overlook › Social Security faces a possible 22% benefit […]
Key Points Social Security benefits face broad cuts due to a pending shortfall. While lawmakers may be able to prevent widespread Social Security cuts, you can do your part to prevent a personal cut. The $23,760 Social Security bonus most retirees completely overlook › If you’ve been reading about Social Security in the news, you […]
By Ben Carlson, originally published at A Wealth of Common Sense. A reader asks: Are there any studies supporting the success of trend following or momentum? Something showing that momentum can succeed for the retail investor, not just something that works for a few hedge funds. I’m pretty EMH and find it hard to deviate […]
Ben Carlson
Key Points While Medicare might cover a good number of your health-related needs in retirement, it doesn’t pay for everything. Expect to pay for dental care and other key services on your own unless you have a Medicare Advantage plan. Come up with a strategy for long-term care coverage, since Medicare won’t pick up the […]
Key Points Social Security benefits increase when you delay your claim past full retirement age. Filing at 70 could boost your retirement income significantly. Don’t mistake a monthly boost with a lifetime boost. The $23,760 Social Security bonus most retirees completely overlook › A lot of people rush into Social Security at 62 because it’s […]
By Fritz Gilbert, originally published at The Retirement Manifesto. When I first read today’s article, it resonated immediately. I knew that I had to share it as my “Best Of The Month” guest post. The article put into words the thoughts I’ve been having, but hadn’t found a way to explain. I suspect, as you […]
Fritz Gilbert
Key Points The Senior Citizens League’s current COLA estimate is 0.3% lower than in May. The annual COLA is based on yearly changes in the CPI-W from the third quarter. Recipients should prepare for a loss of purchasing power in their benefits. The $23,760 Social Security bonus most retirees completely overlook › Inflation, though a […]
When it comes to securities investing, market liquidity refers to how easily you can buy or sell an investment at a fair market price when you want to. When a security is illiquid–meaning it has low market liquidity–finding a buyer when you want to sell might be difficult. You might have to accept a lower […]
Key Points It’s common for older married couples to both collect Social Security benefits. Benefit cuts could be coming to Social Security as soon as 2032 if lawmakers don’t act sooner. This could lead to a devastating cut in benefits for older married couples. The $23,760 Social Security bonus most retirees completely overlook › Many […]
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When a hot company is in the news, it might be tempting to take advantage of offers to invest before it goes public through an initial public offering (IPO). That’s what “pre-IPO” investing promises: a chance to buy shares of a private company before it lists on a stock exchange. If you’re offered early access […]
Key Points Current 2027 COLA estimates are solidly in the 3.4% to 3.6% range. Earlier projections had 2027’s COLA at above 4%. A 4% COLA isn’t off the table, but it would come at a steep cost. The $23,760 Social Security bonus most retirees completely overlook › Social Security’s annual cost-of-living adjustments (COLAs) are extremely […]
By Jonathan Ping, originally published at My Money Blog. The Capital One Venture Rewards Card is a premium travel rewards card with a minimum of a flat 2 “miles” per dollar on all purchases. These “miles” are very flexible, and can be redeemed directly against any travel purchase made with the card within the past […]
Jonathan Ping
By Wes Moss, originally published at Capital Investment Advisors. The 4% rule of thumb is a widely used method to estimate how much a retiree might initially withdraw from an investment portfolio. In its traditional form, you withdraw roughly 4% of the portfolio in your first year of retirement, then adjust that dollar amount for […]
Wes Moss
Key Points Social Security has been running at a deficit since 2010, paying out more in annual benefits than it receives in wage tax revenue. Based on the outlook for outlays and taxes, by the fourth quarter of 2032, the program will completely deplete the trust fund where it stored its prior surpluses. Among the […]
Key Points Social Security may have to cut benefits in a few years. Though cuts aren’t guaranteed, they’re important to prepare for. Boosting savings while you can could make Social Security cuts less painful. The $23,760 Social Security bonus most retirees completely overlook › If you’re in your 40s, Social Security may be something you […]
Key Points The benefit of doing a Roth conversion is to lower the amount of tax you pay on your retirement savings. Make sure you’re converting at a low enough tax rate to make it worth it. The $23,760 Social Security bonus most retirees completely overlook › If you’re nearing retirement and have a large […]
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