Roth Conversions: To Convert or Not to Convert Your Traditional IRA

The discussion of whether to convert your IRA to a Roth IRA evokes a wide range of opinions regarding if, when, and how you should convert the assets in your account. Some advisors believe you should always convert all your Traditional IRA (also called a Contributory IRA) assets to a Roth, while others feel you should never convert. The truth lies somewhere in between.

30 Year Risk and Return Forecast 2016

Individual investors face the difficult tasks of saving for retirement and eventually replacing their pre-retirement income with their savings. This requires striking a delicate balance between maximizing quality of life and not running out of money. Retirement planning is vitally important to achieving these goals.

Solving The Bond ETF Discount Problem

Bond exchange-traded funds can be tricky to trade at times. Although these securities trade within a reasonable range of their net-asset value (NAV) most days, there are those periods when the ETF market just doesn’t want to cooperate. Last week was a good example. Here are two ways to solve this problem.

Choices in Portfolio Rebalancing

Diversification in investing is a mainstay of prudent portfolio management. Portfolio risk can be reduced with proper asset class selection. This isn’t to say that you won’t lose money. The purpose is to reduce the risk of a large portfolio loss by balancing portfolio risk among different investment types.

Understanding Asset Location (VIDEO)

Some of your investment accounts and assets are more tax-friendly than others. For example, interest earned from bonds is taxed as ordinary income while gains from stocks are taxed at a lower capital gains rate. An investor may use a tax strategy known as asset location in an attempt to manage different tax rules and reduce the overall tax burden in his or her portfolio.

Generating an Income Stream from Your Portfolio

Unlike other retirement income sources, such as Social Security and pensions, your investment portfolio doesn’t provide a predictable distribution of money. You must generate a reliable income stream even though markets don’t always want to cooperate.

So, how can you sustainably raise cash in your portfolio for retirement, as you need it? How should you sell assets for cash in a down market to minimize your losses?

Using Retirement & Taxable Groups in Portfolio Management

Variety may be the spice of life, but it can present challenges to the retirement investor. Consider the many different types of investment accounts out there. You have individual taxable accounts, joint taxable accounts and then a long list of tax-advantaged accounts for retirement, including traditional IRAs, rollover IRAs, Roth IRAs and so on. How do you juggle them all in your portfolio to help meet your needs and goals without incurring unnecessary costs and taxes?


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