risk

Are You in the Retirement Danger Zone?

Retirees or those planning to retire within 10 years need to reallocate their investments from the markets into something safer. Let's analyze six choices.

7 Tips for People Who Will Retire in 2013

The oldest baby boomers will turn 67 in 2013. Many of this first wave have already retired, while others may be contemplating taking the plunge this year. Here are some tips for those planning to retire in 2013:

Borrowers Beware: 401(k) Loans Hold a Hidden Risk

If you're in financial trouble, borrowing from your 401(k) may look smart -- at first. There's no application process, and the low interest you pay goes back into your account -- you're paying it to yourself. Unfortunately, those benefits come with a catch.

Painless Investing: Why a New Generation Will Dive Into Stocks

Many Americans have been spooked out of the stock market by Great Recession and its aftermath. But despite their apprehensions, the children of the baby boomers are actually eager to jump into stocks -- primarily because they weren't burned personally by the crash.

Ponzi Scheme or Not, Social Security Is Going to Shrink

Social Security's trust fund is in the long, slow process of collapsing because it won't have enough funds to pay its promised benefits. Sound like a Ponzi scheme? Perhaps, but at least this "scheme" is one in which you can come out ahead -- especially if you start preparing now.

Economic Woes Are Jeopardizing Americans' Health

In this economy, people aren't just cutting out luxuries, nearly half of Americans are skimping on necessities like medication and doctor visits -- drastic actions that could be dangerous to their health.

Social Security IRAs: A Partial Fix to Reform Problem?

While Congress and President Obama battle over ways to "fix" Social Security, the small conservative seniors group the Association of Mature American Citizens sees a possible solution to part of the reform brouhaha -- a Social Security IRA. In a recent poll, 80% of the members of the small group that bills itself as "the conservative alternative to AARP," said they support the idea of a Social Security IRA being part of a comprehensive Social Security reform package.

Investors Are Keeping Their Eyes on the Wrong Ball

There's a frenzy of stock buying going on now, because no one wants to be left out of the stock market recovery. But all those who are betting on short-term gains are engaged in what I call "wrong ball investing." Here's how to keep your eye on the right ball.

Five Investing Rules You Can Learn From Kids

Looking at investing from a child's perspective can be eye-opening. And you don't need to have kids of your own to learn these lessons. Here are five tips for learning how to think like a child -- and how to turn that into making some grown-up profits.

Keep Risk at Bay While Moving Back to Stocks

For investors, fear of losing money in the stock market is finally giving way to the reality that they may actually be losing money in low-yielding investments. So the move back to stocks if underway. But the key is do so safely. Here's some timely advice.