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Reasons People Aren’t Buying Annuities (And Why they Should)

Annuities are a way of investing your money so that you are guaranteed to receive a set income for the rest of your life. Many financial experts champion these financial products as a realistic portion of your retirement plan. However, many people who should be buying them aren’t opting to do so. Less than $200 billion of

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Optimizing Your Pension Choices for Approaching Retirement

A recent Gallup poll determined that, 42% of low-income respondents will rely on Social Security and part-time work to help them through their “golden years”. Surviving on Social Security alone is difficult if not impossible but unfortunately many are relying on it. Other countries have similar results, for example in Australia government pensions are still

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It’s Never Too Early to Begin Preparing for Retirement Financially

According to the United States Department of Labor, fewer than 50 percent of Americans know how much money they’ll need to survive retirement. Even though the average person will spend 20 years of his or her life in retirement, very few are currently planning for life after work. No matter how far away from retirement

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The Year of the Roth

By Terry Coxon, Casey Research Until 2010 arrived, you couldn’t have a Roth IRA if your income exceeded certain limits. That restriction is gone. Now anyone with a traditional IRA can convert it to a Roth. But should you? Background Roth or traditional, the central advantage of an IRA is tax deferral. Earnings accumulate and

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