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

5 Biggest Financial Risks in Retirement
5 Biggest Financial Risks in Retirement Investing & Retirement September 7, 2022
BOSTON COLLEGE’SCenter for Retirement Research just published a study that explores what Americansthinkare the biggest risks to their retirement—as opposed…
retiree looking at map
Report: The Best and Worst States for Retirement Investing & Retirement August 29, 2022
Where you retire can have a huge bearing on how comfortable you are in your later years. And it's not…
piggy bank money
Is a 3% CD Worth It Right Now? Investing & Retirement August 26, 2022
As the U.S. economy continues to try to ease inflation, money expert Clark Howard says a notable rise in interest…
retirement clock
The Average Retirement Age in America Investing & Retirement August 18, 2022
At what age do most Americans retire? For many people, it's getting later and later in life. What Is the…
Immediate Payout Annuity: What Is It and Do You Need It?
Immediate Payout Annuity: What Is It and Do You Need It? Investing & Retirement August 5, 2022
Depending on who you're around, sometimes you have to watch your words. I'm not talking about avoiding certain four-letter words…
A Retiree Answers 11 Common Retirement Questions
A Retiree Answers 11 Common Retirement Questions Investing & Retirement August 2, 2022
I SPEND SIGNIFICANTtime reading the viewpoints of people who are planning for retirement or who are already retired. My frequent…
Should You Sell or Stay in the Stock Market if You Are Retired or Retiring Soon?
Should You Sell or Stay in the Stock Market if You Are Retired or Retiring Soon? Investing & Retirement July 25, 2022
Whether you celebrated this year's arrival of a bear market or felt pain largely depends on how close you are…
What Is a Bear Market?
What Is a Bear Market? Investing & Retirement July 14, 2022
The words themselves sound ominous -- if not scary: "bear market." The S&P 500 entered a bear market in June,…
gold bars
Should I Have Gold in My Portfolio Right Now? Investing & Retirement July 12, 2022
As an investment, gold isn't all that interesting. It doesn't pay interest or dividends. There are no quarterly earnings reports.…
The Clark-Approved Way To Invest in Real Estate
The Clark-Approved Way To Invest in Real Estate Homes & Real Estate July 7, 2022
Investing in real estate is a hot topic in 2022 with a booming market for housing prices. However, deciding to…
Clark Howard revisits his crypto predictions and takes after the onset of 'Crypto Winter.'
What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash Investing & Retirement June 27, 2022
If you think the S&P 500 decline has been brutal, check out some of the devastating crashes that have taken…
investment fees
What Fee Percentage Is Too High for Your Investments? Investing & Retirement June 20, 2022
It's easy to focus on your investment choices and your returns. But tax implications and investment fees can have an…
interest rate impact
11 Ways Interest Rate Hikes Will Impact Your Wallet Banks & Banking June 11, 2022
With the Federal Reserve eager to tamp down inflation, the period of historically low interest rates in the United States…
Social Security cards and $100 bills
How Does Inflation Impact Social Security Benefits? Investing & Retirement June 8, 2022
ARE YOU IN YOUR 60sand worried about rising consumer prices? It’s worth understanding how inflation affects Social Security benefits—especially its…
4 Factors That Help Make Investors Successful
4 Factors That Help Make Investors Successful Investing & Retirement June 8, 2022
A FEW WEEKS BACK, I discussed the notion of “the four horsemen of the investor apocalypse.” A concept proposed by Morningstar Managing Director Don Phillips,…
Should You Continue Working After Starting To Collect Social Security Benefits?
Should You Continue Working After Starting To Collect Social Security Benefits? Investing & Retirement June 6, 2022
SOCIAL SECURITY’Scomplexity never fails to surprise. While many retirees have some sense for what factors determine the size of their…
3 Places You Should Never Invest Your Money
3 Places You Should Never Invest Your Money Banks & Banking June 6, 2022
With great power comes great responsibility. Whether you've read about the Sword of Damocles or simply watched Spiderman, you've probably…
saving money
How Much Do Americans Need To Live Comfortably? Investing & Retirement June 3, 2022
You may have a certain dollar amount in your head when thinking about how much it would take to live…
Thrift Savings Plan
What Is a Thrift Savings Plan? Investing & Retirement May 26, 2022
What is a Thrift Savings Plan (TSP), and how is it different than a 401(k) or IRA? To start, money…
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.…