401(k) Plans

Your Financial Plan—A Roadmap for Life's Ups and Downs June 4, 2020 11:00 AM   |  

Here are five simple ways to build a roadmap that strives to help guard and grow your assets for the future.

4 min read  |  Savings Goals
Dollar-Cost Averaging: An Investing Strategy for Rain or Shine? April 6, 2020 10:30 AM   |  

Dollar-cost averaging means scaling into (and out of) investments over time, rather than all at once. Learn the basics to help you decide if and when dollar-cost averaging could be appropriate for your portfolio.

5 min read  |  Portfolio Strategy
Building Toward the Long-Term Financial Future: Needs, Wants, and Wishes March 30, 2020 10:30 AM   |  

Consider a three-tiered pyramid approach to creating goals for your needs, wants, and wishes.

5 min read  |  Retirement Planning
April Is Financial Literacy Month: Why Education Never Stops for Investors March 26, 2020 12:16 PM   |  

Financial Literacy Month is a good time to think about your financial wellness. Throughout the month, TD Ameritrade will be sharing education ideas and resources to help grow investors’ financial literacy.

5 min read  |  Household Finances
Excited About Your Tax Refund? It May Not Be Worth the Deferred Earnings March 17, 2020 10:30 AM   |  

Tax refund time can seem like a bonanza, but it’s not free money. It’s your money, and you’ve been loaning it, interest free, to Uncle Sam.

5 min read  |  Income Tax
Five Questions to Help Make the Most of Your Employee Benefits March 9, 2020 11:00 AM   |  

Open enrollment is an opportunity to put yourself and your financial health first. Here are five questions to help you make the most of your employee benefits.

5 min read  |  Goal Planning
What’s the Average 401(k) Balance by Age—And Is It Enough to Retire On? February 28, 2020 10:30 AM   |  

Is your 401(k) balance on track? Trying to figure out how you stack up? Here’s information on the average 401(k) balance by age.

5 min read  |  Goal Planning
Avoid Costly Mistakes: IRA & 401(k) Withdrawal Tax Penalties February 25, 2020 3:56 PM   |  

Learn about contributions, withdrawals, and distributions to help you avoid paying tax penalties on your retirement accounts.

5 min read  |  Tax Strategy
Understanding 457(b) vs. 403(b) Retirement Plans February 5, 2020 10:30 AM   |  

If you work for a public service organization or government, you might be eligible for a special kind of retirement plan. Here’s what you need to know about the 457(b) versus 403(b) retirement savings account.

5 min read  |  Retirement Planning
Spelling Out the RMD: Understanding Required Minimum Distributions January 31, 2020 10:15 AM   |  

If you’re turning 72 years old and have assets in a traditional IRA, 401(k), or 403(b), you’re subject to required minimum distributions (RMDs). Here are some things to know.

5 min read  |  Plan Distributions
Young Investors: Should You Invest When You Have Debt? January 16, 2020 10:30 PM   |  

Ready to start investing, but worried about debt? Here’s how to invest even if you still have debt on the books.

4 min read  |  Creating a Budget
New Job? Deciding Whether to Roll Over the Old 401(k) December 30, 2019 10:30 AM   |  

People change jobs; it’s a fact of the modern workforce. But if you have a 401(k) from your old job, you need to decide what to do with it.

5 min read  |  IRA & 401k Plans
Thrift Savings Plans: An Overview ... And What’s New in 2020 December 26, 2019 10:30 AM   |  

Are you a member of the military or a federal employee? Here’s what you should know about Thrift Savings Plans. Plus, new changes just went into effect in September 2019.

5 min read  |  Plan Distributions
Retirement Updates: 2020 IRA & 401(k) Contribution Limits December 24, 2019 10:30 AM   |  

The IRS has announced new contribution limits for tax-advantaged retirement plans. Learn the IRA and 401(k) contribution limits for 2020.

5 min read  |  IRA & 401k Plans
What You Need to Know About the 401(k) Tax "Deduction" December 24, 2019 8:34 AM   |  

If you have a retirement account, you might be eligible for a 401(k) tax deduction. Here's what you should know about contribution limits, employer contributions, and tax-deferred contributions.

5 min read  |  IRA & 401k Plans
Tracking Down Missing Money: How to Find Old 401(k)s November 8, 2019 10:30 AM   |  

Do you have an old 401(k)? You probably won't find it under the couch cushions. Learn tips on how to find an old 401(k) from a previous employer and what you could do with it once you've found it.

5 min read  |  IRA & 401k Plans
Retirement Mistakes: 5 Retirement Myths That Can Sabotage Your Plans October 30, 2019 10:15 AM   |  

There are several retirement myths that could lead to mistakes in your retirement planning. Don't risk sabotaging your retirement by accepting these myths as truth.

3 min read  |  Goal Planning
How Does a 401(k) Work? 8 Frequently Asked 401(k) Questions September 19, 2019 10:15 AM   |  

Have 401(k) questions? We’ve got answers to the most frequently asked 401(k) questions to demystify the most common type of retirement plan. Explore contributions, taxes, withdrawals, and penalties for your 401(k) plan.

5 min read  |  IRA & 401k Plans
IRA and 401(k): Can I Contribute to Both? September 16, 2019 10:15 AM   |  

Can I contribute to a 401(k) and a traditional or Roth IRA? Many people have more than one retirement account. Maximize your retirement savings by understanding how you can contribute to multiple tax-advantaged retirement accounts.

4 min read  |  IRA & 401k Plans
Can Life Insurance Be Used for Retirement? Yes, but Consider the Alternatives August 20, 2019 10:15 AM   |  

Some financial professionals have recommended life insurance policies as a retirement funding source. While it’s true that some policies can offer protection and act as a retirement savings vehicle, such a strategy might not be the most effective. Here are three alternatives.

5 min read  |  Retirement Planning
Spending, Saving, or Investing Your Bonus Money: How About All of the Above? August 8, 2019 10:30 AM   |  

Many people put their bonus check into savings, while others opt to invest it in a retirement account. Some consider it "free money" to spend on something they want. Find out how you could do all of the above.

4 min read  |  Household Finances
Unexpected Early Retirement: Does Your Planning Include Plan B? July 22, 2019 10:15 AM   |  

It’s important to have a retirement plan in place, but if you have to retire early, what sources of income can you rely on?

5 min read  |  Retirement Planning
Life Hacks for Paying Off College Debt May 16, 2019 5:00 AM   |  

College graduation can be an exciting time, but paying for college debt and the newfound independence can be financially and emotionally overwhelming.

5 min read  |  Creating a Budget
Boomer U: Lifelong Learning for Seniors Heading Back to the Classroom May 6, 2019 1:18 PM   |  

Seniors are returning to the classroom to continue their education and skills for a more fulfilling and meaningful retirement.

5 min read  |  Retirement Lifestyle
Investor's Manual: What Is a 401(k) Plan? April 4, 2019 4:00 AM   |  

Understanding the basics of 401(k)s. This is an introduction to 401(k)s defining what is a 401(k).

2 min read  |  IRA & 401k Plans
Rolling Over Your Nest Egg? 401(k) to IRA April 3, 2019 4:00 AM   |  

Trying to figure out what to do with an old retirement plan? Consider a rollover IRA.

4 min read  |  IRA & 401k Plans
Tips for Making Sure Your College Graduate is Financially Savvy February 14, 2019 4:00 AM   |  

Is someone in your family moving from lecture hall to office this year? Here are a few ways to help 2019 graduates get a head start toward a strong financial footing.

2 min read  |  Budgeting & Saving
Life Happens: Retirement Planning for the Unexpected February 11, 2019 4:00 AM   |  

Unexpected events can get in the way as you prepare for and enter retirement. Here are some tips on how to try and mitigate their potential impact.

5 min read  |  Retirement Planning
Near-Identical Cousin? 403(b) Plans & Tax Implications Explained February 1, 2019 4:00 AM   |  

What's the difference between a 401(k) and a 403(b)? Find out when the 403(b) might work for you.

5 min read  |  IRA & 401k Plans
Income Tax: A Slice for Uncle Sam January 24, 2019 4:00 AM   |  

Income tax may be something most of us take for granted. But how does it work?

5 min read  |  Income Tax
What to Do With an Old 401(k)? 4 Choices to Consider January 11, 2019 4:00 AM   |  

Learn about the available choices on what to do with a 401(k) held at with a former employer.

6 min read  |  IRA & 401k Plans
Small Business 401(k): Helping You and Your Employees Save More For the Future January 4, 2019 4:00 AM   |  

Small business owners and self-employed workers concerned about retirement investing should consider specialized IRA plans.

4 min read  |  Small Business
Max 401(k) Contributions: Consider Giving Your Retirement a Lift November 22, 2018 4:00 AM   |  

Learn about the max 401(k) contribution so you can get the biggest bang for your retirement buck.

5 min read  |  IRA & 401k Plans
Pension Plans & 401(k): Defined Contribution vs Defined Benefit October 23, 2018 4:00 AM   |  

Pension plans and other defined-benefit plans may be going by the wayside, in favor of defined-contribution plans such as 401(k)s and IRAs. Learn why and what to do.

4 min read  |  Retirement Planning
Asset Location & Asset Dislocation: Cashing in Your Retirement August 27, 2018 4:00 AM   |  

Asset dislocation—liquidating or selling the assets in your retirement accounts—involves tax planning and budgeting, among other things. Are you ready?

5 min read  |  Retirement Planning
Tech Investors: Augmented World Expo Offers Latest in Virtual Reality May 30, 2018 12:00 AM   |  

The Augmented World Expo kicks off May 30. Here’s an introduction to the technology, a look at participating companies, and some thoughts on investing in virtual reality stocks.

2 min read  |  Stocks & Stock Sectors
Time to Check in with Your Retirement Plan February 8, 2018 7:00 PM   |  

Do I have enough to retire? Retirement planning can weigh heavily, but it doesn't need to. Follow these retirement savings guidelines to help ensure that your 401(k) and IRA contributions are maximized. Learn more with TD Ameritrade.

3 min read  |  Retirement Planning
How Your Retirement Will Be Different from Grandpa’s December 5, 2017 11:00 PM   |  

Retirement looks different now than in days of yore. Make sure you’re informed and planning ahead with specific goals—financial and personal.

2 min read  |  Retirement Lifestyle
Start Retirement Planning While Time Is on Your Side November 7, 2017 11:00 PM   |  

Some pros say your early investing years are among the most critical, including whether you set up a 401(k). Learn how to work toward your financial goals.

5 min read  |  Retirement Planning
Life Happens: Have You Tweaked Your Portfolio Along the Way? August 28, 2017 12:00 AM   |  

Life has a way of happening, and investors should consider life changes as a time to assess retirement portfolios and long-term goals.

3 min read  |  Portfolio Strategy
Long Time Horizon: Is It Ever OK to Ignore Your Retirement Portfolio? August 16, 2017 12:00 AM   |  

Our busy lives leave little room to monitor the stock markets regularly. There are times when we can just ignore our retirement portfolios—for a little while.

3 min read  |  Portfolio Management
Retiring Early? The Rule of 55 Might Let You Begin 401(k) Withdrawals June 29, 2017 12:00 AM   |  

An IRS rule allows you to avoid the 10% penalty for early distribution on company-sponsored retirement accounts, but you must qualify.

3 min read  |  Plan Distributions
Thinking about Cashing Out Your 401(k)? You Might Have Better Options May 16, 2017 8:00 PM   |  

Today’s workers are expected to change jobs a number of times. Understand the implications of cashing out your 401k and get informed about the alternatives av

5 min read  |  IRA & 401k Plans
Job-Hopping? Don’t Skip These Retirement Ideas February 23, 2017 11:00 PM   |  

Switching jobs and looking to save for retirement? Figuring out how much to save, avoiding high fees, and using tools and calculators can help remove the gues

4 min read  |  IRA & 401k Plans
Starting Out Young: The Value of Investing in Yourself February 1, 2017 11:00 PM   |  

Learn about the value of investing for early savers.

6 min read  |  Portfolio Strategy
New Job: Should Your 401(k) Stay, Go, or Roll Over? A Look at IRAs August 31, 2016 12:00 AM   |  

Before getting settled into your new job, think about what to do with your 401(k). Should you leave it alone, join a new plan, or roll over to an IRA?

3 min read  |  IRA & 401k Plans
Can Changes to MEPs Help Small Business Save for Retirement? April 25, 2016 12:00 AM   |  

Tucked into President Obama’s $4 trillion fiscal 2017 budget are initiatives intended to foster employee-sponsored retirement plans. Can these changes help?

3 min read  |  Small Business
Take that Paycheck and Stash It: How to Save a Raise April 11, 2016 12:00 AM   |  

What if you get a pay hike? Use it to go down a better path for the future and stash it away. Here’s how.

4 min read  |  Savings Goals
Rollovers: Bring an Old 401(K) Back to Life November 3, 2015 3:00 AM   |  

Didn’t move your 401(k) when you moved jobs? From rollovers to reaping the benefits of company stock, learn ways you can incorporate your old 401(k) into your new life.

3 min read  |  IRA & 401k Plans
Back to Work? When an Encore Career Just Doesn’t Pay July 14, 2015 8:00 PM   |  

Working in retirement can stretch your budget and your mind. But there are tax, IRA withdrawal, and Social Security benefits to consider.

6 min read  |  Retirement Lifestyle
Four Big Mistakes That Will Devastate Your Finances June 14, 2012 10:29 PM   |  

The Motley Fool details four big mistakes that could devastate your finances.

3 min read  |  Portfolio Strategy
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