Target-Date Funds With Annuities Are Gaining Ground. Is That Good for Your Retirement Plan?
Plus, how income and guaranteed lifetime withdrawal benefits work.
Retirement Income
More on Retirement Income
‘Social Security Is Already in Deficit’: MarketWatch’s Brett Arends Dissects What Retirees Get Wrong About the Program
The veteran investing columnist argues that Americans should focus on Social Security’s annual cash flow—not the trust fund—and explains why he believes the program’s finances are widely misunderstood.
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.
5 Things to Do Now to Retire in One Year or Less
These five planning priorities can help you make a smooth transition from earning a paycheck to living off your savings.
Retirees Don’t Need to Fear a Lost Decade. They Need a Plan
Here are the steps you can take to mitigate the risk of an extended market downturn.
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.
How Much Should Retirees Worry About Inflation?
Inflation can strike fear into the hearts of retirees. Answering these 3 questions can help.
New Retirees: Prepare for the Possibility of a Lost Decade
A financial advisor’s view on negative or flat market returns and when to claim Social Security.
Adam Grossman: Asset Allocation Is an Investor’s Best Defense
A flat-fee financial advisor and columnist discusses why less complicated portfolios are usually best, how he addresses inflation risk in client portfolios, and his biggest worry for new retirees.
The Biggest Threat to Your Retirement Isn’t a Bear Market
The inventor of the 4% rule offers advice on how retirees can preserve their capital.
Bill Bengen: ‘Inflation Is the Greatest Enemy of Retirees’
The author and creator of ‘the 4% rule’ discusses the pros and cons of various withdrawal strategies and key risk factors facing retirees today.
Why I’ve Changed My Mind About Dividend-Paying Stocks
How I learned to stop worrying about retirees’ preference for spending dividends instead of capital gains.
Is Your Cautious Retirement Spending Doing More Harm Than Good?
For some retirees, underspending their retirement savings is a bigger problem than overspending.
What Is the ‘Retirement Risk Zone?’
Why the years just before and after retirement are especially vulnerable, and what investors can do to reduce sequence‑of‑returns risk.
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.
Social Security Is Slowing Down. Here’s How to Get Your Benefits On Time
Staffing cuts and surging demand are driving delays for retirees. Here are tips to help you avoid long waits.
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