Category Archives: 401k

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Some COLA for your IRA

The IRS recently announced cost-of-living adjustments to the 2015 retirement plan contribution limitations. Although the COLA adjustments are incremental, the raised limits offer savers the chance to accelerate pre-tax contributions to many types of qualified retirement accounts. Some of the highlights The elective deferral (contribution) limit for employees who participate in 401(k) plans has increased […]

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Move over Rollovers

Are Rollovers over or on their way out?  Consider the IRA One-Rollover-Per-Year Rule Beginning January 1, 2015. The IRS recently announced that beginning as early as January 1, 2015, taxpayers can make only one rollover from an IRA to another IRA in any 12-month period, regardless of the number of IRAs they own. Roll what? Transferring money […]

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Is it over yet?

It’s been a wild ride over the last week in the markets, leaving many investors wondering if it’s over, or just beginning. With this question in mind, here are some quotable quotes from the last few days… The key question you need to ask yourselves is this: Have the reasons for this selloff disappeared after the […]

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Too Big for its Britches?

The following quotes are all from this recent week…   “…the next five months into year-end are going to be extremely treacherous for equity investors.” ~Peter Boockvar, chief market analyst at The Lindsey Group   “Stock may get rattled by a shallow U.S. recession starting early next year, caused by slack consumer spending and a […]

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Building a Bigger Bubble

Last Thursday, the Dow Jones Industrial Average dropped over 200 points, as worries mounted about China’s economy and escalating tensions in Ukraine. CNBC reported that Alan Skrainka, chief investment officer at Cornerstone Wealth Management, pointed to a chart making the email rounds showing the correlation between NYSE margin debt and the S&P, with margin debt […]

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Stress-Free Retirement

How did your retirement account look before 2008? How does it look now? I’ve talked to many folks who say they are just recently getting back to where they were. But imagine what your retirement account would look like if you had never lost any money in the first place. This concept is the subject […]

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401kaution

If you are relying on your 401(k) as your only source of retirement income, take a lesson from 2008. And 2000. And ’87, and ’73, and ’29 and 1907… Just since the late seventies when 401(k)s came on the scene, trillions of dollars invested in this vehicle have simply vanished during market crashes such as […]

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