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Target2025.com

Perhaps a Bit of Advice about Retirement, Poetically

July 5, 2010

Retirement Dreams retirement, the business of settling down to the ebb of life before time pulls out its hands out of nowhere to close its doors on us, one last cold cold setback everybody has to take lying down, and without even the privilege of expressing whether we like it all or not. everything’s too [...]

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Pensions: If We All had Them, Would We be Better Off?

March 26, 2010

A recent report on CBSMarketwatch looked a pension envy, a growing concern among those that saw their 401(k)’s devastated over the last several years. Eric Schurenberg believes that this sort of envy will come to end as he hopes public pensions will begin feeling some of the repercussions of what affected the vast majority of [...]

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Forever Young: Making Up for a Missed 401(K) Opportunity

February 23, 2010

Sara Teasdale once said: “When I can look life in the eyes, grown calm and very coldly wise, life will have given me the truth, and taken in exchange – my youth.” And the exchange can often be uneven and unwanted. If you have heard this one before: start putting money in your 401(k) plan [...]

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Does Auto-Enrollment in 401(k) Plans Work?

February 19, 2010

Auto-enrollment in 401(k) retirement plans was mandated in the Pension Protection Act of 2006. The PPA saw the idea as a way to help ensure that employees at least had a jump start at retirement. By enrolling new employees automatically, the theory of getting more workers involved in the plan sooner would them an opportunity [...]

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Taxes: Which Fund is Tax Friendly?

February 17, 2010

I just recently finished my portion of the household tax return for 2009. I was not that unpleasant a task as I broke even for the year. Some stocks made money while others lost enough to offset those gains. In other words, the best possible tax scenario took place: no gains, no tax consequence. But [...]

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Can You Do Mutual Fund Math?

February 12, 2010

Can you do the mathematical calculations required to find out how much your mutual fund is going to cost you? Chances are you might say yes, if you consider yourself a very savvy investor, able to filter all of the costs in the prospectus into a final number, understand the tax implications known and as [...]

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Skin in the Game: Is Investing in Clients Worth the Risk?

January 22, 2010

A recent article in the New York Times focused on a start up mutual fund crossed my desk recently. The article, written by Stuart Elliott, dealt with the advertising agency Kirshenbaum Bond Senecal & Partners in New York, part of MDC Partners. While Mr. Elliott normally deals with the advertising industry, this particular article offered [...]

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401(k) Rollover: The First Steps

January 21, 2010

I appear every Friday with Gina Robison-Billups and Kat Bellucci on a broadcast designed to help working moms create the assets and wealth they need to be successful and secure. This week on MomsMakingaMillion, on 01.22.10, we discuss the first in a segment on what to do with that 401(k) if you have left a [...]

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Brightscope Does it Again

January 20, 2010

The small start-up Brightscope has done it again.  While the tool they originally introduced offered plan sponsors a look at how well their offerings served the needs of those who use the business’ 401(k) and plan users the opportunity to confront those sponsors about the adequacy of those plans, a new tool puts more of [...]

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Is a Roth 401(k) Right for You?

January 18, 2010

More than simply a retirement plan, your 401(k) relies on its tax advantage to help you with your retirement. The concept is relatively straightforward. You put away money from each paycheck before taxes are taken from that total. This money is invested and the proceeds are taxed upon distribution. In the 2010 tax year, this [...]

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