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July 2011

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• The retirement-savings crisis is overblown
  Posted: 7/28/2011
  By Robert Powell
  MARKET WATCH
  
  There?s no retirement crisis after all. After years of warning folks that they haven?t saved enough to fund their retirement dreams, we now learn that it?s a false alarm. For some, at least.
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• DoD panel calls for radical retirement overhaul
  
  
  Posted: 7/25/2011
  By Andrew Tilghman - Staff writer
  Air Force Times
  
  In a massive change that could affect today's troops, the plan calls for a corporate-style benefits program that would contribute money to troops' retirement savings account rather than the promise of a future monthly pension, according to a new ...
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• Young failing to grasp how much early saving can benefit them in later life
  Posted: 7/21/2011
  By Ray Clancy
  INVESTMENT INTERNATIONAL
  
  Young people understand they could be better off by saving early but are failing to grasp how much it could boost their retirement pot, according to research from Fidelity International. In a survey of people aged 25 to 35, more than two thirds ...
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• Without workplace 401(k) many would not save for retirement
  
  
  Posted: 7/20/2011
  CONSUMER REPORTS
  
  Without a workplace 401(k) plan, many investors would not be saving for retirement at all, according to a new study from the mutual fund and financial services group Fidelity Investments. Fifty-five percent of current workplace savings plan ...
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• 401(k) Match Motivates Retirement Saving
  
  
  Posted: 7/20/2011
  By Emily Brandon
  US NEWS
  
  
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• The Hartford Finds Americans Optimistic About Personal Finances
  Posted: 7/19/2011
  Press Release
  
  The Hartford Finds Americans Optimistic About Personal Finances, More Saving For Retirement
  New study shows increased participation in 401(k)s and other defined contribution plans, especially among boomers, Gen Xers and men.
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• Are Americans Saving Enough for Retirement?
  Posted: 7/19/2011
  By Geoff Considine
  Business Insider
  
  
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• Questions Retirees Must Answer
  
  
  Posted: 7/17/2011
  By Tom Lauricella
  WALL STREET JOURNAL
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• Main Street savers would feel the pain if U.S. defaults
  
  
  Posted: 7/16/2011
  By Steven C. Johnson
  REUTERS
  
  The pros on Wall Street are betting Washington will strike an 11th-hour deal to avoid a U.S. debt default and downgrade, but if they're wrong, small investors and ordinary savers could be in for a real shock.
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• How to Retire on Social Security Alone
  
  
  Posted: 7/15/2011
  By Emily Brandon
  US News & World Report
  
  Well, sure it's easier to stop working if you have a pension and a fat 401k, but millions of us don't. Here are 6 ways to stretch those checks.
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• The One Thing Small Business Can Count on for Retirement
  

  Stuart Robertson

  
  Posted: 7/15/2011
  By Stuart Robertson
  Down the Road
  FORBES
  
  For years in America, building savings for retirement was thought to be founded on a three-legged stool: 1) your company pension, 2) your social security benefits, and 3) your personal savings. With all three legs working together, ...
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• Fidelity: Retirement Tax Breaks Matter
  Posted: 7/15/2011
  By NU Online News Service
  
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• Without 401k Majority of Workplace Investors Would Not Be Saving for Retirement
  Posted: 7/15/2011
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• Fidelity Survey: Workers Increasing 401(k) Contribution But More Is Still Needed
  

  Steve Vernon, Money for Life

  
  Posted: 7/14/2011
  By Steve Vernon
  Money for Life
  
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• Tips for a Financial Stable Retirement
  Posted: 7/14/2011
  by Marjorie Stephens
  Better Business Bureau of Northern Indiana
  NEWS SENTINEL
  
  Utilize employer plans, and be realistic about your needs.
  
  This is a consumer advice column written by the Better Business Bureau of Northern Indiana. It appears Thursdays in Business. Most folks know that an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and ...
  
  
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• Feeding the financial beast ? with our retirement savings
  
  
  Posted: 7/14/2011
  Bangor Daily News
  We do it because we are planning for our retirement. We also delay the payment of income taxes as a benefit of contributing to our 401k, and who can beat that? The stock market has to be a great place for our 401k money, doesn't it? ...
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• Retirement Accounts & The Coming Tax Code Revolution
  Posted: 7/14/2011
  By Daniel R. Amerman, CFA
  
  
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• Retirement Timelines Fade Amid Uncertainty
  Posted: 7/13/2011
  NEW YORK, NY ? July 12, 2011 ? Shifting and uncertain target dates for retirement are becoming the norm in the American workforce, making it harder for employees to establish meaningful financial plans, recent MetLife research indicates. ...
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• Is Your Retirement Planning Keeping You Awake at Night?
  
  
  Posted: 7/13/2011
  by Mark Whysall
  ADI News
  
  The specter of being old and penniless haunts many average Americans. Have you invested in the right areas? Have you saved enough? What about Social Security? Will your retirement savings be enough to support you for the rest of your life after you ...
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• Money Manager: The peril of 401K loans
  Posted: 7/11/2011
  by ERIC AMADO
  WFAA contributor
  
  This could mean the difference between having $50000 and $500000 in retirement savings. Don't forget: If you leave your job, do you have to pay off any 401k loans, because that loan is tied to your employment. At some point, you will be leaving your ...
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• Don't wait to start saving for retirement
  

  Liz Weston, author of "The 10 Commandments of Money

  
  Posted: 7/11/2011
  By Liz Weston
  Money Talk
  LOS ANGELES TIMES
  
  Even starting with $25 a week can help on your journey to financial independence. Also, the emotional and legal dimensions of bailing out your parents.
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• Automate Savings for Retirement
  Posted: 7/10/2011
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• The Retirement Crap Shoot: 5 Ways to Improve Your Odds
  Posted: 7/9/2011
  The Employee Benefit Research Institute (EBRI) is a responsible organization which provides valuable research on the state of retirement savings in America. They are not, in other words, an organization you would associate with a Las Vegas odds maker, ...
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• Seven Attributes of a Great 401(k) Plan
  

  Stuart Robertson

  
  Posted: 7/7/2011
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• Despite Profitable Retirement Funds, Small Business Owners Doubt
  Posted: 7/6/2011
  By Zachary Ehrlich
  
  Despite a recent report from the Investment Company Institute showing that retirement assets rose to $18.1 trillion at the end of the first quarter, up 3% from the end of 2010 and nearly 10% year over year, small business owners are fearful for their retirement plans.
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• 401(k) Law Suppresses Saving for Retirement
  Posted: 7/6/2011
  By Anne Tergesen
  WALL STREET JOURNAL
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• Roth IRA: Am I saving too much for retirement?
  

  A man works on making a budget in this photo illustration.

  
  Posted: 7/6/2011
  CHRISTIAN SCIENCE MONITOR
  
  Roth IRA is important, but aren't there other things to save for, too? Question No. 1 of the reader mailbag takes a look at the Roth IRA dilemma.
  
  
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• Minorities need retirement aids
  Posted: 7/5/2011
  San Antonio Express
  
  While it is true that no ethnic group is showing signs of saving enough for retirement, one of the sad truths is that minorities in lower-wage jobs who need the most options for retirement savings have the fewest. With Hispanics comprising the largest ...
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• Many retirees risk running out of money
  Posted: 7/5/2011
  By MARGARET COLLINS
  BLOOMBERG NEWS
  
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• Social Security Q&A
  Posted: 7/5/2011
  Prepared by the Social Security Administration
  San Francisco Bee
  McClatchy-Tribune News Service
  
  
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• Jim Miller's The Savvy Senior: How work can affect your social security
  
  
  Posted: 7/5/2011
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• 5 Retirement Strategies for Uncertain Times
  
  
  Posted: 7/5/2011
  By Philip Moeller
  U.S. News & World Report (blog)
  
  Delaying Social Security, refusing to cash out of retirement plans with lump-sum payments, and buying annuities to provide income for retirement essentials topped the list of expert retirement recommendations in a new report from the ...
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• 4 Ways to Help Prevent Outliving Your Retirement Savings
  
  
  Posted: 7/5/2011
  SmartMoney.com
  
  But with fewer and fewer people having traditional pension benefits available, a bunch of policy proposals point to the need for education about ways to get the most out of retirement savings. Although some groups are pushing to make annuities ...
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• The Magic Numbers Of Retirement
  
  
  Posted: 7/4/2011
  By Marc Davis
  Provided by Investopedia
  San Francisco Chronicle
  
  
  
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• Savings How-tos
  Posted: 7/3/2011
  Sacramento Bee
  
  More than one in three Americans say they're saving less now than a year ago. And 33 percent say they do not have any non-retirement savings, according to a March survey by the National Foundation for Credit Counseling. To get started with savings, here are some how-tos:
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• Old-timers' dilemmas: Shelter and swishy skirts
  Posted: 7/3/2011
  By Jenny Gardiner
  The Daily Chronicle
  
  Although by then I envision gulag-type developments where all the broke, aged baby boomers who lost their retirement savings in the real estate bubble will be relegated to wither away during their twilight years, tooling around in half-broken ...
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• 5 Tips for Financial Freedom
  
  
  Posted: 7/2/2011
  Minneapolis Star Tribune
  By Kara McGuire
  
  I can't tell you how many times I've talked to financial advisers who tell me stories about women who don't know the first thing about their retirement savings or estate plan, or who never thought about money until divorce made it a necessity. ...
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• Financial firms face challenges in attracting blacks
  Posted: 7/2/2011
  By Michelle Singleterry
  Washington Post
  
  Prudential found the same thing other financial companies have reported: that a majority of blacks want retirement saving and planning advice but many say they don't know or can't find a professional they can trust. "Our survey revealed that the lower ...
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• Work toward your own financial Independence Day with these tips
  Posted: 7/2/2011
  Natchez Democrat
  By Tommy McDonald
  
  On July 4, we shoot fireworks, attend picnics, watch parades and otherwise celebrate our nation's independence and the many freedoms we enjoy. But as you go through life, you'll find out how important it is to work towards another type of freedom ...
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• Retirement savings near all-time high
  Posted: 7/1/2011
  By Blake Ellis
  CNNMoney
  
  The increase in savings comes as Americans continue to earmark bigger portions of household income for retirement than they have in the past, with retirement savings accounting for 37% of all household financial assets at the end of the first quarter, ...
  See all stories on this topic »
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• Delay Taking Social Security, Add Annuity to Survive Retirement, GAO Says
  

  Sen. Herb Kohl, D-Wisconsin. Photographer: Mandel Ngan, Getty.

  
  Posted: 7/1/2011
  By Margaret Collins
  Bloomberg
  
  Asset managers and insurers understand that annuitization may need to be part of the retirement savings system as people live longer and have fewer defined benefit pension plans, said Harvard's Laibson. "Everyone's racing to be at the head of that pack ..."
  Read More »

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