Sentences with phrase «rather than retirement»

These state - run accounts are similar to a Roth 401 (k) or IRA, but for college rather than retirement.

Most are more concerned about survival in a down market rather than retirement planning and risk mitigation.

In theory, the amount of debt is now manageable, so management can probably continue focusing on debt replacement (at cheaper rates), rather than retirement.

If you have a fixed income pension rather than a retirement savings plan, you'll probably make different allocation decisions than you would otherwise.

Often the debate over DB vs. DC plans focuses on the issue of risk, rather than the retirement incentives.

Many parents want to save money for their children's education; however, if you're contributing to a college fund rather than a retirement account, you might be putting your own future in jeopardy.

Once your debts are paid off, saving for a home purchase rather than retirement is perfectly fine.

Not exact matches

Rather than planning for a retirement end goal, I think it's healthier to think more about taking a series of sabbaticals in your life.

Rather than focusing on an early retirement, determine your long - term goals and exactly what you want your future to look like.

Lisa Kramer, an associate professor of finance at the University of Toronto, worries that if people think of investing as a game, rather than as a way to save for retirement, then portfolio construction could become just another table to play.

Rather than a provincial plan, the CFIB supported voluntary programs, like Pooled Registered Pension Plans, for enhancing retirement savings.

Changes to retirement strategy should be made on the basis of fundamentals rather than Trumponomics, Wall Street veteran Jim Paulsen said.

A survey done by TD Bank in February found that a full 20 % of Canadians are counting on a lottery win, an inheritance or government payments to provide a comfortable retirement — rather than money saved in an RRSP.

Host and bestselling author Chris Hogan instills that readiness for retirement is about financial preparation rather than age, and his tone empowers listeners to believe that they are in charge their own futures.

I like to see retirees attempt to smooth their income, paying as little tax over their entire retirement, rather than just in the first few years.

Rather than taking this money from your retirement assets, consider liquidating some appreciated stock and lending it to your company.

So, if all this worries you, here are three ways to act like an Ant and plan for a self - funded retirement — just in case means testing becomes a reality sooner rather than later:

Proposal B would divert money from workers» individual accounts and give the cash to current pensioners, rather than building up funding for their own retirement.

And if you're planning an encore career rather than a traditional retirement, investing the cash to upgrade your skills could make sense.

The landlord pays for those, and I suppose, again, in your world, that money comes straight from their retirement account, rather than slowly being tapped from your rent cheques.

Rather than offering RetireGuide as a separate tool in a separate place on the website, Betterment's retirement advice is now integrated into your Retirement Goals section.

Half of the consultants surveyed recommended an income focused multi-sector strategy given that income during retirement, rather than just the size of the portfolio, becomes relatively more important for participants.

The dividend yield is very important for those investors that need income rather than growth (for example when investing for income in retirement).

Studies have shown half to two - thirds of the rise in non-participation is due to demographic changes as baby boomers reach retirement age and teenagers choose to focus on school rather than working part time.

A Roth IRA is the best option for those freelancers or self - employed workers in general who want to pay taxes today rather than in retirement.

Lambert suggested doing your own research rather than relying on neighbors, friends or family when you are forging a retirement strategy.

Under Pension Fund Capitalism, employees are encouraged to think of themselves as capitalists in miniature — and provide for their retirement by employee stock ownership programs rather than saving up their wages themselves or having pensions financed on a pay - as - you - go basis out of future production.

Companies such as Mainstar allow investors to maintain «self - directed» individual retirement accounts where they can put money in alternative investments such as real estate, rather than more mainstream stocks and mutual funds.

That rule was targeted at retirement accounts and required brokers to act in their clients «best interests rather than their own.

Buying my business ate up a huge chunk of money that could have been put toward retirement, but I get to sell it now for a nice profit rather than waiting until I'm 59.5 to enjoy it.

If the two bad investment years that wreaked havoc with the woman's money had come late in retirement rather than at the outset, she would have had about $ 2 million at age 95.

The NUA tax strategy allows certain clients whose qualified retirement plans contain these appreciated employer securities to eventually pay taxes on the appreciated value of those securities at the lower long - term capital gains tax rate, rather than at the ordinary income tax rate that would otherwise apply to retirement plan distributions.

These 3 errors can lead to employees losing retirement savings rather than being as prepared as they'd planned.

«I would rather plan for you to live longer than to plan for a shorter time period and run out of money during retirement,» says financial advisor Ara Oghoorian, founder of ACap Asset Management.

Rather than pushing a reform that will only increase retirement inequality, policymakers should be focused on ensuring a dignified life for all seniors.

As the rule is implemented, retirement savers will benefit from receiving genuine advice that's in their best interest rather than advice that is influenced by conflicts of interest.

Generally, from a tax perspective, it is more favorable for participants to roll over their retirement plan assets to an IRA or new employer - sponsored plan rather than take a lump - sum distribution.

It enhances savings, because in this case I find my overall income is falling and therefore to preserve that income in order to meet my end of life retirement goals — I actually save more rather than save less.

Funds previously dedicated to mortgage payments now can be used for holidays or more personally rewarding options like «new toys» rather than «saving for retirement.»

It gives you a brake and an accelerator to apply rather than putting you on rails until your retirement train terminates.

Charlie Shipman of Blue Keel Financial Planning said it's important that «a percentage of each paycheck — rather than a specific dollar amount — is contributed automatically to their 401k or other employer - sponsored retirement plan.»

The problem is that «retirement» isn't what it used to be: far more people now retire early and use drawdown rather than buy annuities.

Plus, if you start saving for retirement later rather than sooner, your monthly savings needs are different.

A traditional defined benefit plan is a plan in which the benefit on retirement is determined by a set formula, rather than depending on investment returns.

He once told Albertans that he would «die in office» rather than retire and collect his gold plated severance package, but this week Speaker Ken Kowalski opted for retirement instead of the afterlife.

Apparently there are cultural differences... Looking at Vanguard, I think they may assume that people in retirement will be going into drawdown, rather than buying an annuity.

But rather than supporting the idea that all Canadians should have comfortable retirements — say, by reforming CPP, and protecting private sector employees against company bankruptcy — the authors see public sector pensions as just more «premium.»

The BLS predicts that, as this trend continues, «traditional retirements will be the exception rather than the rule.»

Just like saving for FIRE (or retirement), I rather pay myself (first) than pay some landlord.

Pay income taxes on some or all of your retirement assets today, rather than when you withdraw those assets in retirement.