hourglass time 401k vesting schedule

401(k) Vesting: What It Is and Why It Matters

You’ve almost certainly heard that if you’re saving for retirement, taking full advantage of your 401(k) employer match should be your first step. That match

robot holding money - robo advisors and robo investing pros and cons

The Pros and Cons of Investing With Robo Advisors

The last few decades have been very good for individual investors. Vanguard introduced the first publicly available index fund in 1976, and since then index

fruit loops stacked in bar graph - index investing

I’d Rather Be ‘Average’ Than Broke

When you read up on investing, it’s easy to get the sense that there’s one way to invest for “average” people, and another way to

02.06.17
dad with newborn baby - when to hire a financial advisor

Six Times You Should Hire a Financial Planner (and Three Times You Shouldn’t)

Financial planners get a bad rap, and to a large extent that’s deserved. Far too many “planners” are really just salesmen in disguise, tasked with leading

three arrows

What Kind of Retirement Is Right For You?

I had a great lunch today with an old friend of mine. We used to work together and he was a couple of decades older

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Everything You Need to Know About Expense Ratios

If you want better investment returns, one of the smartest things you can do is find lower-cost investments. Not only are smaller fees a good

family on vacation - save money on travel

Lean Financial Independence: Early Retirement on a Supertight Budget

Sarah and I are at an interesting crossroads in our financial journey, one we’ve alluded to a few times recently. As we’ve said before, our

12.12.16
stacks of coins on desk - roth ira income limits for 2016 roth ira contribution limits

Best Roth IRA Accounts for 2017

Meet the Author Jeff Reeves is a financial commentator with 20 years of newsroom and stock market experience. His work has appeared in numerous finance

12.09.16
stacks of coins on desk - roth ira income limits for 2016 roth ira contribution limits

Rules of the Roth IRA: Income Limits, Contributions, and More

For many financial growth professionals, Roth IRAs are the most exciting play in the retirement savings game. It’s easy to understand why: tax-free growth and

11.21.16
woman looking at investments on ipad - investing to beat the market

Why Do You Want to Beat the Market?

Just about every investor at some point compares his or her investment returns to the market. Professional investment managers advertise their services by comparing their performance to

retirement savings social security

Why Save for Retirement If You Have Social Security?

Dana asks a great question: My husband and I are in our early forties. Our house is paid off in the last year and we

11.02.16

Vanguard Review

Vanguard is an excellent choice for investors thinking about retirement, but if you intend to actively trade, you can find a better deal elsewhere. is

10.21.16
401k jar - 401k contribution limits

401k Contribution Limits for 2017

If you work for a traditional employer, there’s a good chance you’re saving for retirement in a 401k (or some variant, such as a 403b for

10.17.16
man shrugging

Why You’re Guaranteed to Lose Money in the Stock Market

Let’s say you loan me $10 dollars and a few months later I haven’t paid you back. So you ask me for your money, and

10.03.16
savings jars - 529 vs. roth ira for college savings

Roth IRA vs. 529 Plan: Which Is Best for College Savings?

College is expensive, and the cost continues to rise. It’s enough to make any parent nervous about whether they’ll be able to provide their children

09.26.16
man buying stocks online

Best Online Brokers for Beginners

Meet the Author Jeff Reeves is a financial commentator with 20 years of newsroom and stock market experience. His work has appeared in numerous finance

09.23.16
two piggy banks - roth ira vs traditional ira

Roth IRA vs. Traditional IRA: Retirement Showdown

An IRA, or individual retirement account, offers a tax-advantaged way to sock away money for retirement. There are actually many types of IRAs, but for most

09.19.16
man using laptop - non deductible ira contributions

Do Non-Deductible IRA Contributions Ever Make Sense?

Traditional IRAs and Roth IRAs are fantastic retirement accounts, but not everyone is allowed take advantage of the tax benefits they offer. Roth IRAs are

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