But expect the return on bonds to be lower than that of stocks over time. So the first rule of IRA investing for beginners is to toughen up and ignore the market gyrations. Even though there may be periods of extreme …
Beginners
Instead of paying taxes on these dividends every year, dividend payments are left in the Roth IRA. They can (and should be) reinvested either into the stock that payed them (called DRIPing) or into other high quality dividend …
Roth IRA
In Part IV we looked at some sample portfolios built from the three key Index Funds I favor, plus cash. Those four are what we call investments. But in our complex world we must next consider where to hold these …
Thrift Savings Plan
With several stock indices below their peaks this year, now may be a good time for federal employees to convert some of their traditional individual retirement arrangements (IRAs) to Roth IRAs. This column explains why …
Roth IRA
Nearly two out of three IRA owners have extreme stock and bond allocations, a new study by the Employee Benefit Research Institute (EBRI) found. In 2010 and 2012, 33% of IRA savers had no money in stocks, while …
Making Money
The potential for an IRA or other qualified pension plan to owe taxes has been in the law for a long time. It hasn’t affected many investors, because it is only in the last few years that many investors sought investments other …
Tax
The study, “The IRA Investor Profile,” comes from the Investment Company Institute, a national association of investment companies based in Washington, D.C. This is the institute’s annual update of its IRA data, and the …
The main benefit of trading using your individual retirement account, or IRA, is that your gains do not have to be reported on your taxes. On the other hand, IRA brokerage accounts have restrictions against the use of …
Stock
They say that there are only two certainties in life: death and taxes. While you can’t cheat death and better not cheat on your taxes, you can at least avoid paying Uncle Sam taxes on any gains earned from investments …
Seasick savers enduring stock market waves are ready to jump ship. But if your retirement is decades away, a stormy and somewhat unpredictable market is still your best bet. Gow-Cheng Huang, Ph.D., a professor of …