Tag #Retirement Savings

Showing 49 to 60 of 76 results

smh.com.au

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Mar 28, 22:10

Trump's Tariffs Shake Australian Superannuation

President Trump's upcoming tariff announcement on April 2nd is causing global market uncertainty, significantly impacting the \$4.1 trillion Australian superannuation system with a substantial portion invested in US assets; however, long-term investment strategies remain largely unchanged due to the...

Trump's Tariffs Shake Australian Superannuation

President Trump's upcoming tariff announcement on April 2nd is causing global market uncertainty, significantly impacting the \$4.1 trillion Australian superannuation system with a substantial portion invested in US assets; however, long-term investment strategies remain largely unchanged due to the...

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What are the key factors driving the increasing global investment of Australian superannuation funds, and what are the associated risks and benefits?

The increasing global investment of Australian superannuation funds, driven by the pursuit of higher returns and diversification beyond the domestic market, has heightened the impact of global events like Trump's trade policies. Australian super funds hold approximately \$635 billion in US assets, with projections exceeding \$1 trillion within a decade, highlighting the system's exposure to international market fluctuations.

forbes.com

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Mar 24, 19:14

Risks of Leaving 401(k) with Past Employer

A former employee's decade-long struggle to transfer his 401(k) due to employer name changes, investment provider transitions, and address changes underscores the risks of leaving retirement funds with a previous employer, highlighting the benefits of transferring them to an IRA or new employer's pl...

Risks of Leaving 401(k) with Past Employer

A former employee's decade-long struggle to transfer his 401(k) due to employer name changes, investment provider transitions, and address changes underscores the risks of leaving retirement funds with a previous employer, highlighting the benefits of transferring them to an IRA or new employer's pl...

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What are the immediate risks and potential consequences of leaving a 401(k) plan with a previous employer, and how can these risks be mitigated?

Leaving your 401(k) with a former employer exposes your retirement savings to potential complications, including difficulty accessing funds due to address changes or employer transitions. This can lead to significant delays and administrative hurdles, as illustrated by the example of an individual struggling for 10 years to transfer their funds.

cbsnews.com

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Mar 12, 01:12

Managing Old 401(k) Plans: Rollover Options and Tax Implications

To manage old 401(k)s, check the balance; balances over \$7,000 allow for rollover to an IRA or new 401(k), or keeping it; below \$7,000, options may be limited; direct rollover avoids tax withholding.

Managing Old 401(k) Plans: Rollover Options and Tax Implications

To manage old 401(k)s, check the balance; balances over \$7,000 allow for rollover to an IRA or new 401(k), or keeping it; below \$7,000, options may be limited; direct rollover avoids tax withholding.

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What are the advantages and disadvantages of rolling over a 401(k) to an IRA versus keeping it in the existing plan?

Rolling over 401(k) assets into a no-fee IRA with diverse investment options is often recommended for balances over \$7,000. However, 401(k)s may offer creditor protections or specific investment choices not available in IRAs. Careful consideration of these factors is crucial.

forbes.com

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Feb 28, 22:10

Is \$1 Million Enough for Retirement?

A \$1 million retirement nest egg surpasses the median U.S. savings, but its sufficiency hinges on individual spending (average annual expenses for housing, transportation, healthcare, and food totaling \$38,553), additional income sources (like pensions or Social Security), and strategic financial ...

Is \$1 Million Enough for Retirement?

A \$1 million retirement nest egg surpasses the median U.S. savings, but its sufficiency hinges on individual spending (average annual expenses for housing, transportation, healthcare, and food totaling \$38,553), additional income sources (like pensions or Social Security), and strategic financial ...

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Is \$1 million enough for retirement, considering typical expenses and potential income streams?

Having \$1 million in retirement savings surpasses the median for most age groups in the U.S., placing an individual in the top 3.2% of savers. However, whether this amount is sufficient depends entirely on individual spending habits and retirement income streams beyond savings.

smh.com.au

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Feb 25, 22:12

Australia's Superannuation to Become World's Second Largest by 2031

Australia's superannuation assets are projected to surpass the UK's in 2030 and Canada's by 2031, becoming the world's second-largest after the US, driven by record contributions and attracting significant US investment.

Australia's Superannuation to Become World's Second Largest by 2031

Australia's superannuation assets are projected to surpass the UK's in 2030 and Canada's by 2031, becoming the world's second-largest after the US, driven by record contributions and attracting significant US investment.

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How does Australia's superannuation system compare to other OECD countries, and what are the key drivers of its success?

Australia's rapidly expanding superannuation system, growing at twice the international rate, is driven by high contributions and a unique structure where government-funded pension payments are declining. This success is attracting significant US investment, aiming to leverage the strong US economy for higher returns.

dailymail.co.uk

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Feb 6, 22:09

Lewis Unveils Pension Rule and £1.7 Billion Unclaimed Pensioner Payment

Martin Lewis introduced a pension savings rule: halve your starting age to determine the percentage of salary to save (including employer contributions). He also highlighted an unclaimed £1.7 billion in government payments for eligible state pensioners born before 1958.

Lewis Unveils Pension Rule and £1.7 Billion Unclaimed Pensioner Payment

Martin Lewis introduced a pension savings rule: halve your starting age to determine the percentage of salary to save (including employer contributions). He also highlighted an unclaimed £1.7 billion in government payments for eligible state pensioners born before 1958.

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What is the core principle behind Martin Lewis's new pension savings rule, and what are its immediate implications for individuals?

Martin Lewis proposed a pension savings rule: halve your starting age to find the percentage of your salary to save. For example, starting at 20 means saving 10 percent; at 40, it's 20 percent. This includes employer contributions.

cbsnews.com

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Mar 28, 01:15

Americans' Economic Outlook: Pessimism Persists Amid Inflation Concerns

A March 2025 CBS News/YouGov poll of 2,351 U.S. adults reveals a mixed but slightly more pessimistic economic outlook, with inflation as the main concern, and significant disparities in financial well-being based on income levels.

Americans' Economic Outlook: Pessimism Persists Amid Inflation Concerns

A March 2025 CBS News/YouGov poll of 2,351 U.S. adults reveals a mixed but slightly more pessimistic economic outlook, with inflation as the main concern, and significant disparities in financial well-being based on income levels.

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What is the dominant factor shaping Americans' economic outlook, and how does this impact overall economic sentiment?

Americans' economic outlook is slightly more pessimistic than last month, with more anticipating a recession. Despite unchanged negative ratings of the current economy, price increases remain the primary concern, outweighing job reports, interest rates, and stock market performance. About half of Americans believe the economy is worsening.

dailymail.co.uk

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Mar 18, 04:11

Record High 401(k) Withdrawals Signal US Economic Hardship

In 2024, a record 4.9% of US 401(k) holders made early withdrawals, mainly for housing (35%) and medical expenses, reflecting increased financial strain amid rising mortgage rates, inflation, and high car payment delinquencies (6.6% of subprime borrowers in January 2025).

Record High 401(k) Withdrawals Signal US Economic Hardship

In 2024, a record 4.9% of US 401(k) holders made early withdrawals, mainly for housing (35%) and medical expenses, reflecting increased financial strain amid rising mortgage rates, inflation, and high car payment delinquencies (6.6% of subprime borrowers in January 2025).

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How do rising mortgage rates, inflation, and increased car payment delinquencies contribute to the rise in 401(k) withdrawals?

The rise in 401(k) withdrawals correlates with record-high car payment delinquencies (6.6% of subprime borrowers in January 2025) and reflects broader economic hardship. Around 35% of withdrawals were used to prevent foreclosure or eviction, indicating severe housing insecurity.

cbsnews.com

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Mar 6, 01:10

Trump Tariffs Trigger Stock Market Drop, Raising Retirement Savings Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, prompting concerns about the impact on retirement savings and the broader U.S. economy; some analysts predict increased inflation and decreased economic growth.

Trump Tariffs Trigger Stock Market Drop, Raising Retirement Savings Concerns

President Trump's new tariffs on imports from Mexico, Canada, and China caused a 3% drop in the S&P 500 this week, prompting concerns about the impact on retirement savings and the broader U.S. economy; some analysts predict increased inflation and decreased economic growth.

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How are businesses responding to the uncertainty created by the tariffs, and what are the potential long-term economic consequences?

The stock market's downturn is linked to investor anxieties about a potential trade war, which could negatively impact the U.S. economy by slowing growth and increasing inflation. This uncertainty is affecting business decisions and consumer spending, as evidenced by Walmart and Target's statements on reduced consumer spending and increased costs.

forbes.com

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Feb 28, 19:10

Building a Retirement Nest Egg Later in Life: Five Key Steps

This article provides five steps for those starting retirement savings later in life: evaluate monthly budget, manage debt (good vs. bad), understand retirement savings strategies, sideline emotion when investing, and stay on track by keeping goals front of mind.

Building a Retirement Nest Egg Later in Life: Five Key Steps

This article provides five steps for those starting retirement savings later in life: evaluate monthly budget, manage debt (good vs. bad), understand retirement savings strategies, sideline emotion when investing, and stay on track by keeping goals front of mind.

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How do different debt repayment strategies (snowball vs. avalanche) affect retirement savings plans, and what are the long-term implications of each?

The article outlines strategies for those starting retirement savings later in life, emphasizing the importance of budget analysis, debt management (prioritizing high-interest debt), and utilizing employer-sponsored retirement plans if available. Understanding investment strategies and maintaining emotional discipline are crucial for long-term success.

dailymail.co.uk

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Feb 24, 04:09

UK Retirement Crisis: Generation X Faces Significant Savings Shortfall

Data reveals only 28 percent of Britons aged 45-60 are on track for retirement, compared to 50 percent of Generation Z; this is attributed to the loss of final salary pensions for many and delayed auto-enrollment, leaving a large segment of the population unprepared for retirement.

UK Retirement Crisis: Generation X Faces Significant Savings Shortfall

Data reveals only 28 percent of Britons aged 45-60 are on track for retirement, compared to 50 percent of Generation Z; this is attributed to the loss of final salary pensions for many and delayed auto-enrollment, leaving a large segment of the population unprepared for retirement.

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What are the key factors contributing to the significant shortfall in retirement savings among Britons aged 45-60?

Only 28 percent of Britons aged 45-60 are on track to meet their retirement savings goals, significantly lower than younger generations. This is largely due to the phasing out of final salary pension schemes and the delayed introduction of auto-enrollment, leaving many unprepared for retirement. Many in this age group express worry about never fully retiring.

lemonde.fr

🌐 65% Global Worthiness

Jan 23, 13:09

French Banks Expand SRI Options in Retirement Savings Plans

French banks are offering more Socially Responsible Investment (SRI) options within retirement savings plans (PER), such as BoursoBank's and Placement-direct's offerings, which have shown strong performance, although legal requirements for individual PERs lag behind those for life insurance.

French Banks Expand SRI Options in Retirement Savings Plans

French banks are offering more Socially Responsible Investment (SRI) options within retirement savings plans (PER), such as BoursoBank's and Placement-direct's offerings, which have shown strong performance, although legal requirements for individual PERs lag behind those for life insurance.

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What regulatory changes, if any, are needed to encourage wider adoption of SRI funds within individual PER plans in France?

While SRI options are gaining traction, their availability in individual PERs remains optional unlike collective PERs. The absence of a legal obligation to offer SRI, green, and solidarity funds within individual PER plans could hinder broader adoption of responsible investing in the French retirement savings market. This contrasts with the requirements for life insurance policies under the 2019 Pacte Law.

Showing 49 to 60 of 76 results