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Kiplinger Invest for Retirement
Your step-by-step six-part series on how to invest for retirement, from devising a successful strategy to exactly which investments to choose.
Even if you're saving with a 401(k) or other employer-based account, an individual retirement account should be an integral part of your retirement plan. The reason: Your earnings accumulate inside an IRA tax free, supercharging the already powerful effect of compound interest.
The biggest decision you'll face these days is not whether to open an IRA, but rather what type of IRA to go with -- the more traditional tax-deductible IRA or the Roth IRA, which lets you take tax-free withdrawals in retirement.
This tutorial explains the basics of each, provides the tools to help you make the right decisions and describes the techniques needed to keep your IRA runningsmoothly.
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Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
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- What's Your Deduction?
- Roth or Deductible IRA?
The answer depends a lot on your tax bracket today and tomorrow. - How to Get Your IRA Up and Running
Bank, broker or go it alone? IRAs give you the flexibility to choose who will manage your account and what will go into it. - Converting Your Deductible IRA to a Roth
You won't be penalized, but you will owe taxes. Here's how to soften the blow. - Moving your IRA Money
Direct transfers and rollovers let you add funds or switch sponsors. - Cashing Out Early
Generally you'll pay tax penalties for draining your IRA early, but there are exceptions. - Tapping Your IRA in Retirement
Here's what you'll need to consider when retirement day comes.
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How Much It Costs to Host a Super Bowl Party in 2026Hosting a Super Bowl party in 2026 could cost you. Here's a breakdown of food, drink and entertainment costs — plus ways to save.
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3 Reasons to Use a 5-Year CD As You Approach RetirementA five-year CD can help you reach other milestones as you approach retirement.
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Your Adult Kids Are Doing Fine. Is It Time To Spend Some of Their Inheritance?If your kids are successful, do they need an inheritance? Ask yourself these four questions before passing down another dollar.
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What DOGE is Doing NowThe Kiplinger Letter As Musk's DOGE pursues its ambitious agenda, uncertainty and legal challenges are mounting — causing frustration for Trump.
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COVID Hospitalization Rates See an Uptick As Winter Looms — The Kiplinger LetterThe Kiplinger Letter A new Omicron booster is available, but the elderly are still at risk and winter is right around the corner.
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Will Weight-Loss Drugs Spike Medicare Costs?: The Kiplinger LetterEconomic Forecasts Lawmakers are trying to get weight-loss drugs like Wegovy covered by Medicare. Long-term savings are possible, but it could cost the program $27 billion.
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Greenland, U.S. Plans to Boost Tourist Economy: Kiplinger Economic ForecastsEconomic Forecasts A U.S. congressional effort could see some Canadian visitors get longer stays, meanwhile, Greenland bids to be the next vacation hotspot.
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Medicare Drug Price Negotiations Latest: Kiplinger Economic ForecastsEconomic Forecasts Medicare drug price negotiations: Early signs have emerged of how these key talks will be handled.
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Forces That Affect Your Estate Planretirement From probate and ownership division to the taxing arm of Uncle Sam, here are four things that can influence what happens to your belongings.
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Tapping Your IRA in Retirementretirement You can cash in your IRA all at once, but doing so could subject you to an enormous tax bill. You'll probably do better tax-wise by taking out as little as necessary each year.
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Make a Plan for Your Retirement Savingsretirement The first step to effectively using your 401(k) is to assess your retirement needs.
