When you make a trade in an IRA, there are typically no direct tax consequences as there would be in a brokerage account. This makes it possible to take a more active approach to managing an IRA portfolio than many investors realize.
Everyone has a different idea of their dream retirement. To help you plan for your goals, Morgan Stanley strategists have identified common retirement spending patterns, lifestyles, and potential strategies that may help your nest egg last.
Help your financial wellness with tips regarding retirement savings through different life stages.
A basic component of any investment portfolio is its asset allocation. This is the mix of investments that you hold—ideally, a mix that fits your goals, risk tolerance, and time horizon. For many investors, this mix will change over time, because, as their lives and circumstances change, they make adjustments to it. Let’s take a closer look.
The unpredictability of financial markets can disrupt even the best-laid retirement plans. These five strategies may help investors stay on track.
Individual Retirement Accounts or IRAs are tax-deferred vehicles that can generally accept a rollover of assets from a qualified retirement plan. Here are some things you should consider ahead of rolling over your retirement savings.
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
If you’re not inspired by the idea of saving for retirement, try thinking of it this way: you're planning for financial success. So how do you get going on a plan for financial success? Start with these four key steps.
Let’s look at a few common myths about saving for retirement and then get the real story. Read on to learn more.
Explore IRA Rollovers including direct rollovers from an employer, rollovers from a Traditional IRA to a ROTH IRA, and trustee-to-trustee transfers.
If you're considering converting your traditional IRA or employer plan assets to a Roth IRA, here are some key things you may take into account.
Before you enter that next phase, it’s important to make sure you save for retirement. If you expect to retire within the next five years, consider this pre-retirement checklist.
The earlier you start to save the more money you may have in retirement. Read on to see how investing early can make a difference.
Those who have recently inherited an IRA can learn the basic rules surrounding inherited IRAs.
A small business plan offers tax-deferred retirement savings potential for self-employed individuals and their spouses, or small business owners. Read this article to learn about four plan options.
Social Security benefits are a key source of income for many Americans living in retirement. They provide a reliable amount of money every month that can increase with cost of living adjustments, and the benefits aren't directly affected by the ups and downs of the stock market.
Many people dream of retiring early, but what if they need to tap into retirement funds before reaching the "golden years"? Here are some strategies to consider.
There are rules that dictate the timing of distributions, which distributions are taxed, and which ones are subject to a penalty. To make the process a little clearer, consider the basic rules surrounding Traditional and Roth IRA distributions.
If an investor has taken RMDs in the past but has forgotten some of the rules, or if an investor has just turned 72, here are some important things to consider about these mandatory withdrawals.
Figuring out how much income you’ll need in retirement is a key step in creating a financial plan for retirement. You can start by analyzing what you’re likely to spend money on, including health care costs, as well as factoring in the effects of inflation.
If your retirement lasts longer than you expect, will you be ready? Here’s how to make your money last.
Managing your finances alone can be difficult. Learn how a Financial Advisor can work with you to build a plan that can help you reach your goals.