401(k)s
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Stefan Sharkansky: The Retirement Rule That Leaves Too Much Money Behind
The statistician says rigid withdrawal rates often cause retirees to underspend. He has a formula that balances secure income with flexible spending.
Target-Date Funds With Annuities Are Gaining Ground. Is That Good for Your Retirement Plan?
Plus, how income and guaranteed lifetime withdrawal benefits work.
This May Be the Closest Thing to a Risk-Free Investment
TIPS can protect your purchasing power in retirement no matter what happens with inflation.
Brett Arends: Worried About Outliving Your Money? There’s an Answer
The retirement columnist weighs in on income annuities, investing FOMO, and the appeal of TIPS. Plus, the crisis he sees in Social Security.
What New Graduates Need to Know About 401(k) Plans
A beginner’s guide to maximizing your workplace retirement plan.
A Hierarchy for Retirement Savings
Confused about which vehicles to fund first? We can help.
IRA Transfers vs. Rollovers: The Rules That Can Cost You
Learn when to use a transfer or a rollover and how to avoid the IRS’ strict 12‑month rule.
As Fidelity Adds Target-Date Fund With Guaranteed Income, Here’s What You Should Watch For
BlackRock and Vanguard are other big players offering annuities. But this category may not be a good fit for every 401(k).
The Hidden Risks of ‘Income for Life’ in Target-Date Funds
Annuities promise higher payouts, but much of it is just your money back—and inflation can erode the rest.
3 Tricky Decisions for Every Retirement Plan
Not even experts agree about the ‘right’ withdrawal rate, long-term-care insurance, and annuities.
Don Phillips: Encouraging Better Outcomes for Investors
Morningstar’s first fund analyst reflects on investing culture, stewardship, and long-term thinking.
Why Your Ex Might Still Inherit Your 401(k)
How a simple paperwork mistake after divorce can leave your retirement account in the wrong hands.
Unpacking the New Rules for 401(k) Catch-Up Contributions
What high-income retirement-plan participants need to know if they’re over the age of 50.
Wade Pfau: Higher Bond Yields Are a Plus for Retirees
The retirement researcher weighs in on in-retirement asset allocation and the best ways to address sequence risk and shares his favorite retirement-spending system and longevity calculator.
Alternatives Could Be Coming to 401(k) Plans
The Department of Labor’s proposed rule addresses how fiduciaries should evaluate alternatives in 401(k) plans, granting choice and opening the door to new challenges for investors.
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