IRA's 401(k)

Updated Friday, May 24, 2013 as of 7:50 AM ET

Portfolio - IRAs/401K

Even Higher-Income IRA Owners Take Pre-RMD Withdrawals

Most IRA owners limit withdrawals to required minimum distributions, according to a new report from the Employee Research Benefit Institute. Nevertheless, a substantial number of higher-income retirees take withdrawals before age 70-1/2, when RMDs begin, and those non-required distributions may be relatively large, in relation to their IRA balances.

�Some advice regarding optimal withdrawal strategies will definitely help,� said Sudipto Banerjee, EBRI research associate and author of the report, when asked about the role financial advisors can play. more »

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HSA Assets Continue to Surge

Fidelity reported a 53% increase in health savings accounts opened in 2012, raising the number of individual accounts administered by the company to 182,000. more »

Retirement Readiness Worries Persist Despite Record 401(k) Balances

Only 12% of employers sponsoring 401(k) plans feel that their employees will be financially prepared for retirement, down from 15% a year ago. more »

Fees Continue to Impact Retirement Assets

A difference of 1% in fees could reduce an investor’s balance at retirement by as much as 28%, according to the Department of Labor. more »

Top Treasury Official Defends 401(k) Tax Proposal, FSOC Moves

Further, echoing a theme from Obama's reelection campaign, Miller pointed to a widening gap between the very wealthy and the rest of the population, noting that the proposed modifications to retirement plan taxes would only affect a fraction of 1% of the country. more »

401(k) Report: Fewer Matches, Fewer Plans

Since 2009, the number of companies that match 401(k) contributions has decreased by almost 7%. more »

401(k) Borrowing Increases, Mainly By Pre-Retirees

Employee borrowing from 401(k) plans increased 28% in the fourth quarter from a year earlier, according to Wells Fargo as over 60% of new loans went to individuals heir 50s and 60s. more »

Ask Ed Slott: Income Limits on Roth IRA Conversions

Are there new limits this year? Watch this segment of Ask Ed Slott to find out. more »

KKR to Carlyle Target $3.6 Trillion 401(k)s in Search for Growth

Private-equity firms, the exclusive money managers overseeing $3 trillion worldwide for the wealthiest investors, are discovering a new type of client: ordinary people. more »

IRAs Remain Largely Misunderstood

Investors may be missing out on some of the benefits of saving through an IRA, according to a TIAA-CREF survey. more »

401(k) In-Plan Advice Users More At Ease About Retirement

Four in 10 participants in 401(k) programs who use in-plan advice expect to live as well or better than they did when working, compared to just 29% of all 401(k) participants. more »

Investors Overpay for Trade Execution, Underestimate 401(k) Fees

A new survey by InvestingNerd, an online personal investing site, has revealed some “alarming” facts about investors’ lack of knowledge concerning online brokerage accounts, stock trading and 401(k) fees. more »

Turn Do-It-Yourselfers Into Clients

Why do so many people handle their own investments, rather than use an advisor? A bad experience? Cost concerns? Neither of the above, according to a new survey for the Deloitte Center for Financial Services. more »

Senate Bill Aims to Prevent 401(k) Leakage

A bipartisan pair of lawmakers introduced legislation that would make it easier for workers to repay loans or withdrawals they take from their employer-sponsored 401(k) plan, drawing praise from a leading trade group representing retirement-plan advisors. more »

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