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Byline: Jane Bryant Quinn What should you do with the money in your 401(k) when you leave your job? Maybe nothing at all. Your instinct may be to take your [...]

The article presents advice on how to make the most of retirement funding. The article tells readers to figure out a retirement budget, redo their investment plan, tap their house for cash by moving to a smaller house or getting a reverse mortgage, cover the cost of health care through things like long-term-care insurance, and decide whether or not one should leave their 401(K) plans in their company plan or roll it into an Individual Retirement Account.

The article offers advice on saving money on taxes. Exemptions have increased due to inflation. People who are saving for retirement will also enjoy increased savings. Tax breaks are available to people affected by Hurricane Katrina, both victims and volunteers. The article also provides information on deciding which tax write-offs are best.

Focuses on problems with 401(k) plans, which are used to help plan retirement. Effect of a bear market on 401(k) investments; Use of 401(k) plans to supplement Social Security income after retirement; Idea that 401(k)s should have a limited choice of funds to invest in.

The article discusses retirement planning for people 50 and over. Anticipating future income needs, making appropriate investments now and planning for long-term care are all essential. Early retirement will reduce Social Security benefits. A fee-based financial planner can help with planning and forecasting.

The author focuses on how to make retirement savings last for life. She gives information on immediate annuities, variable annuities and other types of investment plans, such as automatic withdrawal plans using mutual funds, interest and dividends, mixing annuities and mutual funds and reverse mortgages.

Offers retirement strategies and investment advice. Analysis of Social Security and pensions, the so-called safety nets for retirement planning; Increase in 401(k)-type plans being offered; Advice on choosing stocks or bonds, types of stock funds, and lifestyle funds; Comparison of planning strategies for people in their 30s, 40s, and 50s.

The article discusses five steps to a happy retirement. It presents questions relevant to life during retirement including questions about one's readiness to retire, activities during retirement and how retirement can change one's life. It suggests books to read providing valuable insights about retirement, and explains how to save for retirement as well as how to manage taxes during retirement. Making one's funds last is also mentioned.

Answers questions about investment in the United States. Question about the low earnings from an equity-indexed tax-deferred annuity; How to postpone payment from a fund started under the Uniform Gifts to Minors Act; Topic of starting a retirement portfolio at the age of 52.

The article discusses advice offered to employees on managing their 401(k) investments. Research from financial services company Charles Schwab showed that workers who managed their own 401(k) mutual funds got 3 percent less return per year than those who used advised accounts. The article offers several advice sources or plans for 401(k) investments including free advice services by phone or Internet, target-date retirement funds, and managed accounts.

This article reports on the recent emergence of automatic Individual Retirement Accounts (IRA's) that are designed for people with no ready access to retirement savings plans. The accounts are designed for people with low to moderate income and provides a simple, low-cost, automatic way for workers to save for retirement.

The article discusses how Enron workers lost on company stock, and how the company's collapse demonstrates the risks of retirement plans that include company stock. Due to the failures of Enron, 401(k)s are better today. There are fewer so-called forced stock plans, where companies match worker contributions with stock, locking workers into the plan. There are fewer temptations to purchase too much company stock and better oversight of 401(k) plans. Also, employers are beginning to offer investment advice.

This article describes lifecycle or target retirement mutual funds and their increasing popularity. Many 401(k) plans offer lifecycle funds and individuals can also buy them from no-load companies like Vanguard, T. Rowe Price, Fidelity, and American Century. Each lifecycle fund has a target year in its name, such as 2015 or 2030. You pick a fund named for a year that's close to the year you'll turn 65. Initially the fund is invested in U.S. and international stock funds.

Presents advice from the author on how to build a retirement fund in today's volatile market. View that investors should buy securities; Importance of dollar-cost averaging, diversification, and rebalancing; Analysis of dividend investing and the importance of residential real estate investments; Review of potential alternative investments including real-estate investment trusts for commercial properties and inflation-protected Treasury bonds.

Offers financial advice for people planning their retirement on how to invest and withdraw money. Rejection of all-bond portfolios and all-stock investments; Suggestion that people arrange their portfolios with 60 percent invested in U.S. and international stocks and 40 percent in five-year tax-free municipal bonds; Presentation of three money withdrawal strategies; Statement that managing money in retirement is problematic.

Argues that Social Security is not doomed, as some conservatives are suggesting, and that no radical overhaul of the program is necessary. Details of the 2004 Social Security trustees' report, which showed that full benefits are covered for nearly 40 years; Explanation of why it is difficult to make long-term projections about Social Security funds; Claim that suggestions that Social Security funds are about to dry up are intended to convince people that private accounts are necessary; Argument that Social Security's projected shortfall over 75 years could be easily eliminated if recent tax cuts were reduced by a third; Suggestions for shoring up Social Security, including slowing the growth of future benefits and raising the payroll tax on upper earners; Claim that private accounts would likely lead to lower benefit levels; Example of a proposal for private accounts put forward by Reps. Jim Kolbe and Charles Stenholm.

Discusses fixed accounts in TIAA-CREF's Personal Annuity Select. Use for retirement planning; Rates; Tax-deferrals; Lack of sales and surrender charges; Withdrawal policies.

Comments on corporate scandals, the risk of investment, and the need for investor education for the average person. Discussion of retirement fund risks and the idea of so-called libertarian paternalism concerning contributions to 401(k) plans; Opinion that saving should be made easier and borrowing from a retirement plan should be made more difficult; The danger of investing in a single stock.

Argues that private-investment accounts as an alternative or reform for Social Security in the United States represent an untried and costly plan. Example of the federal 401(k) plan, known as the Thrift Savings Plan, and the costs it has resulted in; Administrative problems with private investment accounts in Social Security; Difficulties incorporating choice of investments.

Offers retirement-planning advice. Mention of a drop in the total assets invested in 401(k) plans; Explanation of value investing; Suggestions of financial advisers for 401(k) investors.

Offers suggestions for middle-aged people who have not been saving for retirement. Tips for financial planning for people who are over 50 and have little or no retirement savings; Problem with many people's strategies for investing money; Recommendation for changes in spending habits.

Discusses retirement plans and the use of autoenrollment in 401(k) plans. Use of automatic payroll deduction to save and invest; How employers can expand automatic enrollment from new hires and pick up workers who never joined the 401(k); Services on the Web to help manage a 401(K) and individual retirement accounts, or IRA, such as the Financial Engines.

Focuses on the retirement of the Baby Boom generation in the United States. Trend of people to continue working even after they have come to retirement age; Advice about retirement planning; Level of retirement income to save for; Savings for retirement and college tuition; Conversion of term insurance to permanent cash-value coverage.

Discusses retirement strategy and inheritances. Mistakes made by baby boomers who inherit money; Advice on how to manage an inheritance.

Offers advice on calculation of retirement income needs, and reviews an online financial planning service. How retirement calculators work and drawbacks to the method; Features of the Financial Engines calculator; Cost of the service; Contact point for further information; Recommendations.

Answers questions on personal finance. Tax benefits of naming a charity as the primary beneficiary of an individual retirement account; Advice on investing $30,000 in mutual funds at age 36 with the hope of having $1 million by age 52; Financial planning for a schoolteacher with a 403(b) retirement account.

Offers advice on United States taxes, savings, and investment in a question and answer format. Interest payments on student loans; Financial planning for retirement; Tax on the profit from the sale of a second home; Old stock that is escheated; SIMPLE individual retirement accounts (IRA).

The article provides a financial plan for saving more money for retirement. Anyone who is between 45 and 50, should work toward saving at least 20 percent of their income (counting any employer contributions to a retirement plan). They can put the money they are saving into a well-diversified mix of stock mutual funds and bond mutual funds. Midlife investors should also consider putting 60 to 70 percent of savings into an index stock fund and the rest into a bond fund.

The article offers suggestions for retirement planning which include holding a cash reserve that helps one in paying bills for the next two years, investing money in stock owning mutual funds, and owning a general bond fund.

Focuses on 401(K) retirement plans. Safety of money invested on a 401(K) retirement plan; Law governing 401(K) retirement plans; Risks in investing on retirement plans. INSET: What about other retirement plans?.

The article discusses the different approaches for navigating the transition from aggressive to conservative investing in middle age. Financial planners have two ways of funding essential and lifestyle expenses at retirement. A research study by Wade Pfau revealed a third approach for retirement spending. Portfolio Manager William Bernstein recommends a rule for a total return investor to a achieve a better lifestyle.

The article focuses on Roth individual retirement account (IRA) which said to become better due to the rise of income taxes. It says that Roth IRA gives more flexibility than the traditional IRA, and offers a tax-free income in the future. It states that Roth IRA are best to start during the early 50s of working people, in which they could make it as savings accounts with good tax breaks. Moreover, it discusses the advantages of Roth compared to the traditional IRA.

The article focuses on challenges for couples in devising retirement plans. Couples face problems in deciding on retirement like either spouse being obliged to work for more years when one retires, and deciding on activities to do after retiring. Retirement planner Joan Gagnon suggests that pre-retiree couples must spend a year attempting to live with money they keep exclusively to help them decide on money flow and extending years of work.

The article advises couples to plan for two retirement scenarios: one for life as a couple and another for life as a widow or widower. Couples need to plan their retirement budget, factoring their company pension, life insurance, social security and other investments into the budget. Couples also need to exercise caution when considering plans to get the lump sum and put it into investments because pension maximization plans are risky.

Presents a guide on checking the financial stability of an individual. Ways of evaluating finance-related issues before getting married; Suggested approach in handling financial matters before deciding to start a family; Advice on estimating personal savings before retirement.

Offers pieces of advice on how to deal with some money-related matters. Reasonable goals to save for retirement; Tips for saving money for college education of children; Credit management.

Provides answers to several questions about the Roth Individual Retirement Account (IRA). Information on the amount that can be invested; Qualities of a person who can applying for an IRA; Information on withdrawing contributions; Availability of IRA.

Gives advice on how to monitor retirement plans in the United States. Acquiring pertinent information from employer; Checking for hours and earnings in annual statements; Contact information.