Chapter 1: Why save for retirement?It's so important to make this a priority so that you're not stuck in the workforce any longer than necessary.Why save for retirementDecline of pensions; rise of 401(k) plansThose with a pension still need to savePrioritizing retirement savingsPower of compoundingDollar-cost averagingWhat inflation can do to your spending powerChapter 2: Retirement vehiclesLearn how these accounts provide tax advantages to both savers and employers.Types of retirement vehiclesWorkplace retirement plans help you saveRoth 401(k)Self-employed 401(k)Traditional IRA vs. Roth IRASimple IRASEP IRAChapter 3: Investment optionsChoose investments wisely to grow your money.Investing: a universe of optionsRelationship between risk and returnStocks, bonds, cash, mutual fundsImportance of asset allocationTarget-date fundsMutual funds vs. ETFsInternational investing/emerging marketsIndividual stocks/company stockChapter 4: Making decisionsKnow your options so you can make smart decisions throughout your career.Making decisionsBorrowing from a 401(k)Leave 401(k) or roll it over?Consolidating 401(k) plansCatch-up contributionsConverting a traditional to a Roth IRAChapter 5: Retirement movesMake the most of your savings once you finally reach retirement.Retirement movesWhen to take Social SecurityWise withdrawal strategiesKnow your required minimum distributionFunding retirement with rental incomeBasics of reverse mortgages
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You won't owe taxes if you pay fees from your IRA. In fact, there may be other tax breaks.
Employees who spend more time engaged with their 401(k) tend to be more active savers.
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