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

10 Rules for an Enjoyable Retirement
10 Rules for an Enjoyable Retirement Investing & Retirement May 18, 2022
WANT A HAPPIER,more fulfilling retirement? You work your entire life to get there, and you want to make the most…
How Much of Each Paycheck You Should Save or Invest
How Much of Each Paycheck You Should Save or Invest Investing & Retirement May 11, 2022
As a country, the United States stinks at saving money. However, we collectively got our act together not long after…
Should Retirees Be Nervous About the Stock Market Right Now?
Should Retirees Be Nervous About the Stock Market Right Now? Investing & Retirement May 10, 2022
EVERY MARKET DECLINEis different, but all of them can feel unnerving, even for the most steadfast of investors. Spooked by…
Is a recession coming in the United States?
Is a Recession Coming to the United States in 2022? Investing & Retirement May 6, 2022
It's possible that we're headed for a recession in the United States right now. However, that may not mean what…
Traditional vs. Roth: A Quick Answer for Your Investments
Traditional vs. Roth: A Quick Answer for Your Investments Investing & Retirement May 5, 2022
Choosing between a traditional and Roth 401(k) or IRA means sifting through a number of variables. But if you have…
You can buy treasury bonds just like countries, Wall Street firms and wealthy individuals.
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account Investing & Retirement May 3, 2022
If you're a saver, you've been punished for years with terrible interest rates on your savings account, CDs or money…
Inherited IRA
Why You Want To Spend Your IRA Money Before You Die Investing & Retirement April 26, 2022
Prior to 2020, passing wealth from generation to generation through an IRA was a viable strategy. A family could take…
What Is a Spousal IRA and What Are the Rules?
What Is a Spousal IRA and What Are the Rules? Investing & Retirement April 13, 2022
Did you know you can put aside thousands of dollars toward retirement each year through a spousal IRA even if…
What Is the Best Way To Withdraw Money in Retirement?
What Is the Best Way To Withdraw Money in Retirement? Investing & Retirement April 5, 2022
LOTS OF RESEARCHhas been done on the best way to generate retirement income. It’s one of the most popular topics…
Should You Buy Gold Right Now?
Should You Buy Gold Right Now? Investing & Retirement March 17, 2022
Inflation in the United States reached a 40-year high in February as consumer prices surged 7.9% year-over-year. The New York…
Why You Should Never Invest With a Bank
Why You Should Never Invest With a Bank Investing & Retirement March 16, 2022
Earning interest on loans and charging fees for things such as overdrafts aren't the only way that banks make money.…
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years Investing & Retirement March 9, 2022
Let's say you're making a major purchase in the future. Perhaps you're buying a house, a car, paying for college…
Best Investments in 2022: Risks and Rewards for Popular Investment Choices
Best Investments in 2022: Risks and Rewards for Popular Investment Choices Investing & Retirement March 7, 2022
Having money beyond your day-to-day needs is great. It means that you can save and invest. It also means that…
U.S. retirement cities on a map
New Report: Top 5 Cities for Retired Singles Investing & Retirement March 4, 2022
If you’re a single retiree or perhaps close to retirement and looking for a new place to live, it's worth…
When Should You Pay Off Your Mortgage Instead of Investing?
When Should You Pay Off Your Mortgage Instead of Investing? Investing & Retirement February 28, 2022
Should you pay down your mortgage beyond the minimum or invest instead? If you're among the 85 million American individuals…
When You Should (and Shouldn’t) Use a 529 Plan
When You Should (and Shouldn’t) Use a 529 Plan Children & Pets February 25, 2022
It's a natural inclination for parents to start thinking about a child's education as soon as their baby is born.…
Ask Clark money column
Does It Make Sense To Pay Medical Expenses With Cash Instead of Using HSA Funds? Health February 24, 2022
If you have a health savings account (HSA), you may be wondering how to get the best use out of…
Why Clark Howard Is Obsessed With Roth for Retirement Savings
Why Clark Howard Is Obsessed With Roth for Retirement Savings Investing & Retirement February 23, 2022
Money expert Clark Howard radiates enthusiasm whenever he talks about Roth IRAs and Roth 401(k)s as retirement options. "I have…
Why This Retiree Isn’t Afraid To Spend Money
Why This Retiree Isn’t Afraid To Spend Money Investing & Retirement February 18, 2022
THE DRUMBEATof “retirement crisis” is much too loud. While 54% of retirees believe there’s a national retirement crisis, just 4%describetheir…
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year?
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Investing & Retirement January 31, 2022
Saving for your retirement through one of the tax-advantaged tools available in the United States offers you a major financial…
Why a Financial Analyst Switched to a “Do-Nothing” Investment Strategy
Why a Financial Analyst Switched to a “Do-Nothing” Investment Strategy Investing & Retirement January 28, 2022
I ONCE JOINEDa book club led by an amazingly smart guy. We were reading a challenging book by Nassim NicholasTaleb,…
There’s Still Time To Contribute To Your IRA for 2021
There’s Still Time To Contribute To Your IRA for 2021 Investing & Retirement January 27, 2022
There's still time to contribute to your Individual Retirement Account (IRA) for 2021. The tax year ended on Dec. 31,…
Fidelity vs. Vanguard vs. Schwab is a popular choice for retail investors.
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Investing & Retirement January 21, 2022
Fidelity, Vanguard and Schwab are massively popular investment companies. Money expert Clark Howard recommends all three. If you’re deciding which…
In this Vanguard review, we'll explain why The Vanguard Group is excellent for passive investors and index funds.
Vanguard Review 2022: Pros & Cons Investing & Retirement January 21, 2022
Most Vanguard reviews focus on the firm's bread and butter: its low-cost index funds. The Vanguard Group is not a…
Best Investment Companies for Investors in 2022
Best Investment Companies for Investors in 2022 Investing & Retirement January 21, 2022
The best investment companies are good fits for almost every investor, whether you’re a beginner or you’re making exotic trades.…
A Retiree Shares His 5 Best Money Moves in Retirement
A Retiree Shares His 5 Best Money Moves in Retirement Investing & Retirement January 19, 2022
WHEN FOLKS TALKabout their best financial decisions, they’ll often mention the investments they bought. But my list is quite different.…
6 Challenges To Consider if You Plan To Retire Before 65
6 Challenges To Consider if You Plan To Retire Before 65 Investing & Retirement January 11, 2022
Someone who listens to money expert Clark Howard's podcast recently asked a question about early retirement. Her husband, older than…
How To Turn $500 a Year Into $100,000 in Retirement
How To Turn $500 a Year Into $100,000 in Retirement Investing & Retirement January 7, 2022
Earning a giant pile of money is one way to prepare for retirement. But it's not realistic for everyone. Fortunately,…
Buying on margin can lead to financial ruin quickly, money expert Clark Howard says.
The Dangerous Investing Mistake That’s on the Rise Investing & Retirement January 4, 2022
American investors now owe nearly $1 trillion in margin debt, a recent study shows, leaving money expert Clark Howard shaking…
Your company 401(k) plan fees can make a big difference in how much sense it makes to participate in the plan beyond securing the company match.
Why You Need To Know Your Company 401(k) Fees Investing & Retirement January 3, 2022
Enrolling in a 401(k) plan is like getting hold of a cheat code for retirement: Not only is it tax-advantaged,…