Retirement Blog

Wednesday, November 2, 2011 3:13 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning isn’t getting any easier. During the economic crisis two years ago, many companies suspended their 401(k) matches. Last year and in the first half of this year, about 75 percent of firms restored matches but about 25 percent didn’t. Of those that renewed the practice, 69 percent brought back the match at a

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Tuesday, November 1, 2011 3:51 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning gets trickier when some of the things you may have counted on disappear. Class Act, the long-term care provision of the Affordable Care Act, was unceremoniously deep-sized last week because the U.S. Secretary of Health and Human Services said Class Act couldn’t be made to work under the provision that required it to

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Monday, October 31, 2011 2:57 pm
By Jennie L. Phipps · Bankrate.com

It doesn’t seem very long ago that we baby boomers were the youngest members of the team, but now many of us gray hairs are taking direction from people who are 20 or 30 years our junior–  and we’re not always liking it. Working for someone half your age can encourage you to hang up

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Sunday, October 30, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

Here’s another good retirement planning strategy from Jonathan Bergman, who frequently offers  great ideas to this blog. Bergman is a certified financial planner and vice president of Palisades Hudson Financial Group in Scarsdale, N.Y. He says that with today’s low returns on investments, it can be a win-win to lend money to adult children who

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Friday, October 28, 2011 4:05 pm
By Barbara Whelehan · Bankrate.com

You’ve seen the advertisement where people are walking down a city street carrying their “number” under their arms. It’s a large and somewhat cumbersome six- or seven-digit savings goal for each bearer’s retirement. ING has a calculator on its website that enables you to figure out your wealth accumulation target by plugging in five numbers,

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Thursday, October 27, 2011 3:19 pm
By Jennie L. Phipps · Bankrate.com

Our retirement planning has implications I would never have considered before I talked to an economist yesterday. Six of the most affluent counties surrounding Detroit — and not including the county poor beat up Detroit is in — have lost about 350,000 jobs in the last 10 years. Economist Donald Grimes, senior researcher for the

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Wednesday, October 26, 2011 4:22 pm
By Jennie L. Phipps · Bankrate.com

I think we can all agree our retirement planning would be a lot easier if we had good, specific and unbiased  advice about how best to manage our 401(k)s. But laws that protect us from advice that isn’t unbiased also have made it very difficult for us to receive any useful retirement investment advice through

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Tuesday, October 25, 2011 3:06 pm
By Jennie L. Phipps · Bankrate.com

An expected 3 million Europeans are preparing to take to the streets in protest next month over government plans to raise the age of public pension eligibility and rejigger how pensions are calculated in a way that will reduce what most people get or would get. The Financial Times points out that life expectancy is

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Monday, October 24, 2011 2:10 pm
By Jennie L. Phipps · Bankrate.com

Despite the gloomy economy, some workers are convinced they’ll be able to retire early. About  21 percent of workers surveyed told Transamerica Center for Retirement Studies they intend to retire before age 65. What’s the secret to their optimism when the remaining 79 percent of workers expect to work past age 65, and 49 percent

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Sunday, October 23, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

There are lots of good reasons to start a small business in retirement. Making a little money so you don’t have to take as much out of your savings is one of them. But there are others. I had lunch not long ago at a writers conference and sat next to a woman who was

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