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Thu, 02 Jul 2009 04:32:35 EDT 10 http://money.cnn.com/rssclick/pf/retirement/?section=money_retirement http://i.cnn.net/money/images/cnnmoney_logo_144x30.gif 144 30 From CNN and Money magazine, CNNMoney.com combines business news and in-depth market analysis with practical advice and answers to personal finance questions. http://money.cnn.com/rssclick/2009/07/01/pf/expert/asset_allocation.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/07/01/pf/expert/asset_allocation.moneymag/index.htm?section=money_retirement Question: What is the most aggressive asset allocation that a 70-year-old retiree should have? --Martin Reynoso, Albuquerque, New Mexico Thu, 02 Jul 2009 04:30:48 EDT http://money.cnn.com/rssclick/2009/06/30/retirement/fixed_annuities.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/30/retirement/fixed_annuities.moneymag/index.htm?section=money_retirement With the uncertainty of the market these days, a lot of investors are running for cover with their retirement funds. No wonder sales of fixed annuities surged 74% for the first three months of 2009, according to research association LIMRA. Wed, 01 Jul 2009 10:17:31 EDT http://money.cnn.com/rssclick/2009/06/24/pf/expert/secure_retirement.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/24/pf/expert/secure_retirement.moneymag/index.htm?section=money_retirement Question: I'm a 56-year-old teacher and my husband recently passed away. I don't own a home or have a pension or any investments, but I will receive a considerable sum from my husband's life insurance policy. My question is how should I invest this money? A financial adviser at my credit union wants me to put it into a variable annuity, but I've heard that this type of annuity is good only for the person selling it. What should I do? --Val, California Thu, 25 Jun 2009 06:01:31 EDT http://money.cnn.com/rssclick/2009/06/24/pf/funds/investing_strategy.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/24/pf/funds/investing_strategy.moneymag/index.htm?section=money_retirement The Aquinos live by a simple rule: "If we can't pay for something, we don't buy it," says Liz, 34. In the eight years she and Tony, 36, a systems engineer, have been married, the couple have socked away more than $400,000. Thu, 25 Jun 2009 04:45:45 EDT http://money.cnn.com/rssclick/2009/06/22/pf/expert/retirement_real_estate.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/22/pf/expert/retirement_real_estate.moneymag/index.htm?section=money_retirement Question: I'm 52 years old and think I might get laid off soon. If I do, I'm thinking of rolling over the $250,000 in my 401(k) into a self-directed IRA that I would invest in real estate and try to make money in foreclosures, rental properties, etc. Do you think this is a good idea? --Larry C., Eldersburg, Maryland Wed, 24 Jun 2009 11:17:38 EDT http://money.cnn.com/rssclick/2009/06/11/pf/expert/lump_sum_annuity_pension.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/11/pf/expert/lump_sum_annuity_pension.moneymag/index.htm?section=money_retirement Question: I'm 57 and have a defined pension plan at work. At age 62, I can retire with a lump payment of just over $831,000 or I can get a monthly annuity payment of almost $5,400 for the rest of my life. What should I consider in choosing between these two options? --Bob Rozak, Germantown, Maryland Thu, 11 Jun 2009 13:11:18 EDT http://money.cnn.com/rssclick/2009/06/05/retirement/pension_safe.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/05/retirement/pension_safe.moneymag/index.htm?section=money_retirement 1. Many pension plans are underfunded Mon, 08 Jun 2009 05:43:54 EDT http://money.cnn.com/rssclick/2009/06/05/retirement/next_crisis_americas_debt.fortune/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/05/retirement/next_crisis_americas_debt.fortune/index.htm?section=money_retirement Normally Paul Krugman, the liberal pundit and Nobel laureate in economics, and Paul Ryan, a conservative Republican congressman from Wisconsin, share little in common except their first names and a scorching passion for views they champion from opposite political poles. So when the two combatants agree on a fundamental threat to the U.S. economy, Americans should heed this alarm as the real thing. What's worrying both Krugman and Ryan is the rapid increase in the federal debt - not so much the stimulus-driven rise to mountainous levels in the next few years, but the huge structural deficits that, under all projections, keep building the burden far into the future to unsustainable, ruinous heights. "The long-term outlook remains worrying," warned Krugman in his New York Times column. Krugman strongly supports President Obama's spending plans but bemoans the shortfall in taxes to pay for them. Thu, 11 Jun 2009 10:25:44 EDT http://money.cnn.com/rssclick/2009/06/01/pf/expert/retirement_catch_up.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/06/01/pf/expert/retirement_catch_up.moneymag/index.htm?section=money_retirement Question: I'm in my 50s and I got a late start on my 401(k) plan at work. All my contributions go into a balanced fund, but when I get my statement each quarter, it seems that I'm losing as much as I'm contributing. Should I leave my money where it is or should I switch to another fund? --Linda Mandrell, Tampa, Florida Tue, 02 Jun 2009 10:24:18 EDT http://money.cnn.com/rssclick/2009/05/21/pf/expert/IRA_penalties.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/21/pf/expert/IRA_penalties.moneymag/index.htm?section=money_retirement Question: I'm 57 and my wife is 62, and we're thinking of selling some of our IRA assets to get through these tough times. But will we be hit with a penalty if we do? --Dave, Gainesville, Florida Thu, 21 May 2009 11:42:46 EDT http://money.cnn.com/rssclick/2009/05/19/pf/expert/retirement_income.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/19/pf/expert/retirement_income.moneymag/index.htm?section=money_retirement Before the market imploded last year, turning your nest egg into steady income for 30 or more years of retirement seemed pretty straightforward. Just follow the old 4% rule: Withdraw that much of your portfolio's value initially and then boost that dollar amount annually for inflation. Wed, 20 May 2009 06:03:48 EDT http://money.cnn.com/rssclick/2009/05/18/pf/expert/401k_rating.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/18/pf/expert/401k_rating.moneymag/index.htm?section=money_retirement Question: Is there a listing that would allow me to see how my 401(k) plan compares with other companies' 401(k)s? --Debbie W., Mount Laurel, New Jersey Tue, 19 May 2009 09:44:28 EDT http://money.cnn.com/rssclick/2009/05/18/pf/estate_plan.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/18/pf/estate_plan.moneymag/index.htm?section=money_retirement When Les and Anna Glowacz made an estate plan five years ago, they felt confident they'd be able to pass a sizable chunk of assets to their offspring. But after the economy went south, "everything changed," says Anna, 55, a pharmacist. Mon, 08 Jun 2009 10:23:21 EDT http://money.cnn.com/rssclick/2009/05/13/pf/expert/asset_allocation.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/13/pf/expert/asset_allocation.moneymag/index.htm?section=money_retirement Question: I'm 26 years old and I currently contribute 10% of my income to my retirement savings plan at work. Right now I have my money divided among four mutual funds: a large-cap fund, a mid-cap, a small-cap and an international fund. Do you think that's the proper allocation? --Danny, Tustin, Calif. Thu, 14 May 2009 06:04:29 EDT http://money.cnn.com/rssclick/2009/05/12/news/economy/SocSec_Medicare_trustees_report/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/12/news/economy/SocSec_Medicare_trustees_report/index.htm?section=money_retirement The recession has taken its toll on Social Security. The officials who oversee the program forecast Tuesday that the Social Security trust fund will be exhausted by 2037 -- four years earlier than estimated last year. Mon, 18 May 2009 11:22:11 EDT http://money.cnn.com/rssclick/2009/05/06/pf/expert/market_timing.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/06/pf/expert/market_timing.moneymag/index.htm?section=money_retirement Question: I'm 57, and after losing several thousand dollars in my 401(k), I transferred my money to a safe mutual fund. But now that the stock market has gone up the last few weeks, I'm wondering: Should I stay in the safe mutual fund or switch some of my money back to stocks? --Heidi, South Lake Tahoe, Calif. Thu, 07 May 2009 06:02:04 EDT http://money.cnn.com/rssclick/2009/05/08/news/economy/entitlement_programs_update/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/08/news/economy/entitlement_programs_update/index.htm?section=money_retirement The financial crisis has cast a shadow over a perennial debate in Washington: How to ensure the long-term financial health of Social Security. Tue, 12 May 2009 09:25:07 EDT http://money.cnn.com/rssclick/2009/05/05/pf/expert/retirement_planning.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/05/05/pf/expert/retirement_planning.moneymag/index.htm?section=money_retirement The economy is in shambles, and the stock market is in the tank. If you're entering the waning years of your career - or if you've already retired - that's more than enough to suck the joy out of retirement. If you let it. Wed, 13 May 2009 07:42:40 EDT http://money.cnn.com/rssclick/2009/04/27/pf/expert/retirement_calculators.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/04/27/pf/expert/retirement_calculators.moneymag/index.htm?section=money_retirement Question: I'm 40 years old, and according to an online calculator I used recently, I should now have $900,000 saved to assure a comfortable retirement. I'm guessing I have only about $100,000 (I'm afraid to look). What is the best way of making up the $800,000 gap over the next 25 years? --Jeff, Canton, Michigan Tue, 28 Apr 2009 06:36:43 EDT http://money.cnn.com/rssclick/2009/04/20/pf/expert/retirement_rebound.moneymag/index.htm?section=money_retirement http://money.cnn.com/rssclick/2009/04/20/pf/expert/retirement_rebound.moneymag/index.htm?section=money_retirement Question: I plan to retire in about two years, but I've lost a lot in my retirement savings account. Currently my money is spread out over small and midcap stocks, growth shares and safe investments. But I'm thinking of moving my balance to an account that tracks the Standard & Poor's 500 index, riding the upswing until the S&P hits 1,100 or 1,200 and then diversifying into something safer. Do you think this is a good plan? --Alan W., Raleigh, North Carolina Tue, 21 Apr 2009 06:03:49 EDT