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Until a few years ago, the standard advice for retirees was that a withdrawal rate of 4 percent or 4.5 percent was about the best you could do. However, several studies have suggested that...
Given the dramatic, wealth-killing market Crash of 2008, it's not surprising that target-date funds faced a lot of criticism in recent months. Some of these so-called set-it-and-forget-it...
This is a good lesson on the importance of diversification. From the article: Byrnes said that, like most investors, he saw bonds as a conservative investment when he decided about five years...
One unexpected side effect of the recent financial crisis: a boom in sales of fixed immediate annuities, which dispense guaranteed income for life. Sales at New York Life, the largest issuer, hit...
One type of investment heavily marketed is annuities, which can provide a guaranteed income after retirement. What the ads don't say is that some annuities can be as risky as buying stocks. One...
Just months before the start of last year's stock market collapse, the federal agency that insures the retirement funds of 44 million Americans departed from its conservative investment strategy...
In a world turned upside down, you must re-examine some basic assumptions on risk, cash, human capital, borrowing, housing, diversification and retirement.
Bond guru Bill Gross says he's sold off all the stocks in his retirement portfolio, down to the very last share. The world as we know it, he says, has "changed almost overnight." But legendary...
The warnings have rumbled for decades: Just wait till the baby boomers retire. If you think there are strains on Social Security and Medicare now, brace yourselves for the implosion as the boomers...
The argument for working longer is not just about people working to pay more taxes; it's about people working to have more income and wealth themselves, to save for their own lives and their...
With targeted Retirement or Lifecycle Funds, you pick when you expect to retire. These mutual funds will increase the percentage of bonds vs stocks as you approach retirement. The theory is that...
The Baby Boomer generation is heading into retirement. And inflation for older Americans is considerably higher than it is for the rest of the population. Some examples from the article:...
Two couples were interviewed about why and how they retired very early without being millionaires. Both have been successful. Both are major savers as you would expect, but their investment...
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Type
|
Top APY/Rate
|
Institution
|
|
2.51%
|
Everbank
|
|
|
0.38%
|
W&R Advisors
|
|
|
1.65%
|
TotalBank
|
|
|
1.65%
|
The Jacksonville Bank
|
|
|
2.25%
|
Academy Bank / The Jacksonville Bank
|
|
|
2.25%
|
Security Savings Bank
|
|
|
2.60%
|
The Jacksonville Bank
|
|
|
3.00%
|
Flagstar Bank / Hudson City Bank
|
|
3.25% |
FlagStar Bank / Hudson City Bank |
|
|
3.50%
|
Acacia Bank
|
|
|
3.36%
|
US Treasury
|
|
4.51% |
Bank of the Sierra |
|
|
1.64%
|
Northrop Grumman CU
|
|
|
2.30%
|
Alliant CU
|
|
|
2.55%
|
Alliant CU
|
|
|
3.00%
|
Alliant CU
|
|
|
0.09%
|
Various brokerages
|
|
|
0.14%
|
Various brokerages
|
|
|
0.91%
|
Various brokerages
|
|
|
2.35%
|
Various brokerages
|
|
|
3.47%
|
Various brokerages
|
See more product and rate information