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

Use a compound interest calculator to figure out how much money you'll be able to make on your savings and investments.
How To Calculate Compound Interest Investing & Retirement July 9, 2021
Whoever came up with the phrase, "It takes money to make money," was probably a big fan of compound interest.…
How a 1% Fee Can Sabotage Your Retirement Savings
How a 1% Fee Can Sabotage Your Retirement Savings Investing & Retirement July 6, 2021
ONE PERCENTis the average annual costchargedby actively managed stock mutual funds. One percent is also thetypical feecharged by financial advisors…
ETF vs. mutual fund may seem trivial but comes with serious tax implications.
ETF vs. Mutual Fund: Which Investment Is Better? Investing & Retirement July 1, 2021
The difference between an ETF vs. a mutual fund may seem trivial, as both are available as part of professionally-managed…
Why Your Retirement Budget Doesn’t Really Matter
Why Your Retirement Budget Doesn’t Really Matter Investing & Retirement June 29, 2021
ON THE JOURNEYto retirement, should you focus on setting a retirement spending budget or on making sure you have adequate…
Ask Clark money column
Should I Buy A Guaranteed Life Annuity With My 401(k) Money To Avoid Market Downturns? Investing & Retirement June 28, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, by money expert Clark Howard. I Have $1 Million…
Unusual temporary inflation usually isn't that bad for the economy, although retirees relying on social security can get hurt.
How Retirees Can Combat Inflation Investing & Retirement June 25, 2021
Inflation rose to 6.2% in October, the highest level that United States consumers have experienced since 1990. Since inflation erodes…
A mutual fund is a popular retirement investment type that can get you quick access to a diversified portfolio.
What Is a Mutual Fund? Investing & Retirement June 22, 2021
A mutual fund is an investment vehicle that gives you access to a diversified, professionally-managed portfolio. In this article, I'll…
4 Things To Consider Before You Downsize in Retirement
4 Things To Consider Before You Downsize in Retirement Investing & Retirement June 22, 2021
MANY DREAM of retiring to the beach. My wife and I just did it. We recently sold our primary home outside…
An ETF, or exchange-traded fund, is an investment similar to a mutual fund but trades like a stock.
What Is an ETF? Investing & Retirement June 18, 2021
An ETF, or exchange-traded fund, is a type of investment that you buy and sell through a stock exchange or…
Clark Howard's favorite target date funds are Fidelity, Schwab and Vanguard.
Best Target Date Funds: 3 Top Picks Investing & Retirement June 17, 2021
The best target date funds offer a one-stop solution for low-cost retirement investing. In this article, I'll highlight the target…
9 Tips To Eliminate Your Money Doubts
9 Tips To Eliminate Your Money Doubts Investing & Retirement June 15, 2021
I’VE LATELY BEENhaving a hard time sleeping—and I have a pretty good idea why. It has to do with two…
Becoming a 401(k) millionaire is more attainable than you may realize.
How To Retire a Millionaire With a 401(k) Plan in 22 Years Investing & Retirement June 9, 2021
Funding your retirement is one of the most important financial goals you'll ever pursue. But it can seem daunting, especially…
Think You Might Outlive Your Savings? Consider These 6 Financial Tweaks
Think You Might Outlive Your Savings? Consider These 6 Financial Tweaks Investing & Retirement June 8, 2021
RETIREMENT MAY MARKthe end of fulltime work—but that doesn’t mean we should stop working on our finances. Even after we…
401(a) vs. 401(k): What's the difference between these workplace retirement plans?
What Is a 401(a) and How Is It Different From a 401(k)? Investing & Retirement June 7, 2021
A 401(a) retirement plan is much less common and more quirky than a 401(k). However, there are many similarities between…
A SIMPLE IRA is a workplace retirement plan for small businesses that is more restrictive than a solo 401(k) or a SEP IRA.
What Is a SIMPLE IRA and How Does It Work? Investing & Retirement May 27, 2021
A SIMPLE IRA is a type of retirement plan available to small businesses with 100 or fewer employees. Because of…
What is an annuity? A contract between you and an insurance company designed to provide you steady income in retirement.
What Is an Annuity, and Why Does Clark Think They Stink? Insurance May 27, 2021
Money expert Clark Howard is passionate about many financial topics. But it's hard to find something that gets him more…
You can become an IRA millionaire by making the maximum contribution allowed every year for more than three decades.
How To Become a Millionaire With an IRA in 37 Years Investing & Retirement May 26, 2021
Money expert Clark Howard thinks that beyond supporting yourself, saving and investing for retirement should be your most important financial…
Ask Clark money column
I’m 20, and I’m Actually Saving Money. Where Should I Put It? Investing & Retirement May 26, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. I'm 20 Years Old,…
What Type of Retiree Are You?
What Type of Retiree Are You? Investing & Retirement May 25, 2021
THE PRODUCERSof retirement commercials would like us to believe that all retirees are the same. They aren’t. To behappyin retirement,…
Ask Clark money column
What’s the Deal With Dogecoin? Investing & Retirement May 12, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. How Do You Feel…
Ask Clark money column
Should I Pay 1.75% in Fees on a Brokerage Account? Investing & Retirement May 10, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. Is 1.75% a Reasonable…
What Is a Solo 401(k) and How Does It Work?
What Is a Solo 401(k) and How Does It Work? Investing & Retirement May 7, 2021
A solo 401(k) is a retirement plan for the self-employed. If you're a business owner, a solo 401(k) is a…
Hybrid robo-advisor vs. full-service financial advisor: Which investing option is best for you?
Full-Service Financial Advisor vs. Hybrid Robo-Advisor: What’s Best for Me? Investing & Retirement April 30, 2021
Money expert Clark Howard often recommends Vanguard Personal Advisor Services (PAS) to people who want to hire a financial advisor.…
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 April 29, 2021
If you're thinking about early retirement, it may be important for you to understand the Rule of 55 for 401(k)…
A SEP IRA is a great retirement plan for those who earn self-employment income.
What Is a SEP IRA and Who Is Eligible? Investing & Retirement April 28, 2021
If you're self-employed, contributing to a SEP IRA may be a great way to fund your retirement. In this article,…
According to the IRA withdrawal rules, you can avoid an early withdrawal penalty by waiting until 59½ to take out your money.
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement April 26, 2021
If you're funding your retirement through an Individual Retirement Account (IRA), you'll want to know the IRA withdrawal rules to…
The 401(k) withdrawal rules dictate when you can take money out of your 401(k) without paying an early withdrawal penalty.
401(k) Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement April 26, 2021
If you're thinking of retiring -- especially if you’re considering retiring early -- it's important to understand the 401(k) withdrawal…
A 401(k) match is an excellent feature of a workplace retirement plan that can help secure your financial future.
401(k) Match: What Is It, How It Works Investing & Retirement April 21, 2021
If your company offers a 401(k) match, get excited. You have an opportunity to stockpile free money for your retirement.…
Ask Clark money column
If I Don’t Have a 401(k) Option, How Can I Save for Retirement and Get Tax Benefits? Investing & Retirement April 21, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. Without a 401(k), What…
Understanding the pros and cons of Roth vs. traditional 401(k)s can be helpful to maximizing your retirement saving and investing strategies.
Roth vs. Traditional 401(k): What’s the Difference? Investing & Retirement April 20, 2021
If you're enrolling in your company retirement plan, your company may offer you a choice: a Roth 401(k) or a…