Invest & Retire

“Investing can seem so complicated that you might shut down and do nothing about it — or feel you need to hire someone to guide you. However, it doesn’t need to be complex. You probably already have the opportunity to get started right where you work.”

Essentials

Latest Investing & Retirement

An investor looks over his retirement accounts.
What’s the Average Retirement Account Balance in America? Investing & Retirement September 6th, 2023
It’s well known that saving for retirement is one of the most vital things you can do for your financial…
How To Find and Choose a Financial Advisor
How To Find and Choose a Financial Advisor Investing & Retirement September 6th, 2023
If you want to learn how to find a financial advisor you can trust, you've come to the right place.…
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement September 6th, 2023
If you're funding your retirement through an Individual Retirement Account (IRA), you'll want to know the IRA withdrawal rules to…
Social Security sign
Report: 5 Things Most Americans Don’t Understand About Social Security Investing & Retirement September 5th, 2023
About 75% of U.S. adults over age 50 are concerned about Social Security running out of money in their lifetimes.…
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I Just Graduated With $5,000 in Walmart Stock. How Can I Convert It Into a Roth IRA? Investing & Retirement August 30th, 2023
There are summer jobs that pay decent hourly wages to students. And then there are jobs you work while you're…
Retirees holding sign showing retirement budget and expense categories
6 Major Expenses in Retirement (and How To Reduce Them!) Investing & Retirement August 21st, 2023
Many people spend their working years trying to save enough money for retirement. But how can you predict what your…
Should you roll over your 401(k) to an IRA? It depends on several factors, money expert Clark Howard says.
401(k) Rollover: What You Need To Know & Options Investing & Retirement August 14th, 2023
Should you roll over your 401(k) or leave it with your old company? If you've recently left a job or…
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I’m Retiring as a Firefighter With a Pension, $380K in Investments and $65K in Debt. What Do I Do? Debt August 4th, 2023
A pension is a rarity for people looking to retire in the near future. Throw in nearly $400,000 in retirement…
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Should I Avoid Investing More Than $500,000 With a Single Brokerage Firm? Investing & Retirement August 3rd, 2023
Most people know that the FDIC insures bank accounts up to $250,000. But did you know that brokerage firms registered…
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What Does Clark Think About Living on a Cruise Ship for Retirement? Investing & Retirement July 24th, 2023
Cruises can make for fantastic vacations. Some people swear by them. Money expert Clark Howard's son loves them so much…
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Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Investing & Retirement July 20th, 2023
Most of us have dreamed about suddenly receiving a large pile of money. But, if you're financially responsible, you may…
The Rule of 55 allows you to withdraw 401(k) funds before age 59½.
The Rule of 55: What Is It, How It Works Investing & Retirement July 13th, 2023
If you're thinking about early retirement, it may be important for you to understand the Rule of 55 for 401(k)…
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What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? Investing & Retirement July 13th, 2023
Vanguard slowly rolled out Cash Deposit in 2022, an FDIC-insured interest-bearing account for its customers. The massive discount broker, known…
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My Financial Advisor Just Became a Fiduciary But I’m Getting Charged More in Fees. Should I Switch? Investing & Retirement July 12th, 2023
If you listen to money expert Clark Howard, you've heard that you need a fee-only fiduciary as your financial advisor.…
Roth 401(k) versus traditional 401(k)
What Is a Roth 401(k) and How Does It Work? Investing & Retirement July 9th, 2023
If you agree with money expert Clark Howard’s investment philosophy and the term “Roth 401(k)” doesn't already make you smile,…
How much money do you need in retirement?
Report: How Much Americans Say They Need To Retire Investing & Retirement July 6th, 2023
A recent financial study shows that the amount of money U.S. adults think they’ll need in retirement is increasing. Northwestern…
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My Husband Bought an Individual Stock in His IRA. Will You Tell Him This Is an Awful Idea? Investing & Retirement June 27th, 2023
If you've listened to money expert Clark Howard over the years, you've likely heard him explain his investing strategy. Clark…
saving money
Are You Rich? The Amount Americans Need To Live Comfortably Investing & Retirement June 19th, 2023
With inflation and other economic pressures affecting Americans, what it means to be rich can seem like a fluid concept…
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My Financial Advisor Isn’t a Fiduciary. Should I Switch Advisors? Investing & Retirement June 15th, 2023
Choosing the right financial advisor is a challenge. Typically, a good financial advisor charges around 1% of your total portfolio…
401(k) loan
Should You Ever Take a Loan From Your 401(k)? Investing & Retirement June 13th, 2023
If you are facing a large amount of debt or a big unexpected expense and have a sizeable amount of…
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Should I Pay Down My Mortgage or Save More for Retirement? Investing & Retirement June 9th, 2023
Living on less money than you make can lead to complex financial decisions. For example, should you use your free…
The best robo-advisors offer low fees for managing your investment along with good customer service and a good app or website.
5 Best Robo-Advisors in 2023 Investing & Retirement May 31st, 2023
The best robo-advisors are popular because of their inexpensive, hands-off, low-risk approach to investing. As more robo-advisors (and investment options…
retirement plan
New Report: The Age Most Americans Expect To Retire Investing & Retirement May 26th, 2023
There's a huge gap between the expected retirement age for many American workers versus when retirees actually leave the workplace,…
Clark.com reviews Fidelity Investments to explain which investors are best suited for the brokerage firm.
Fidelity Investments Review 2023: Pros & Cons Investing & Retirement May 26th, 2023
You probably know Fidelity Investments is a giant, popular investment company. Our Fidelity review will help you figure out whether…
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My Parents Haven’t Saved for Retirement. What Should I Do To Help? Investing & Retirement May 19th, 2023
Most of the headlines regarding family members helping each other financially deal with parents supporting adult children. However, in many…
10 Rules for an Enjoyable Retirement
10 Rules for an Enjoyable Retirement Investing & Retirement May 19th, 2023
WANT A HAPPIER,more fulfilling retirement? You work your entire life to get there, and you want to make the most…
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My 18-Year-Old Son Got a $100,000 Settlement. Should He Use It To Max Out His IRA Every Year? Investing & Retirement May 18th, 2023
However it happens, you suddenly get a six-figure sum plopped into your bank account. Great news! Now what do you…
Social Security money
Why Next Year’s Social Security Cost-of-Living Adjustment May Not Be As Big Investing & Retirement May 16th, 2023
At 8.7%, the 2023 cost-of-living adjustment for Social Security was huge. According to the Social Security Administration (SSA), the average…
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How Can I Estimate My Social Security Benefit? Investing & Retirement May 16th, 2023
Now that pensions are almost non-existent, many Americans rely on Social Security to sustain them financially in retirement. You can…
In this Charles Schwab review, I'll explain why money expert Clark Howard strongly recommends the investment company.
Charles Schwab Review 2023: Pros & Cons Investing & Retirement May 10th, 2023
In some ways, reviewing Charles Schwab isn't much different now than it would have been in the 1970s. Guided by…