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Unlike most private employers these days, Kaiser offers a pension. We are occasionally asked if the pension is worth it? Here's our answer. The post Is the Kaiser Pension Worth It? appeared first on T...
Hi all, and thanks in advance. My spouse and I each have a pension. They are roughly the same. Does it make more sense for us each to just claim and draw our pensions, or does it make sense for us to ...
My Dad retired in 2002 with a 403(b) and lifelong teacher’s pension. Unsure of his retirement savings, some fellow retired teachers recommended a financial advisor who “specialized in reti...
I worked at a company headquartered in NC for 20+ years. That company was one if the few remaining companies to offer a pension. I have left the company but haven't started taking my pension. Word on ...
One of the retirement questions that persists through the ages is whether to take a pension or a lump sum payment. On this episode, we flesh out an example from baseball: Did Bobby Bonilla Day make th...
Abstract This paper reviews the theoretical and empirical literature on micro pension products for informal sector workers in developing countries. Micro pensions provide a mechanism that allows these...
Learn how to calculate the impact on your pension from changing your start date and evaluate the value of your pension based on your financial situation. I recently received a question from a listener...
In an attempt to determine whether I've got enough to retire on, I did some quick calculations: I calculated 4% of my current investments and combined that with my estimated pension to come up with a ...
My wife is retiring from her job with our state govt. She will be drawing a pension. She is not old enough for SS yet. She is going to receive a lump sum amount for accumulated vacation/sick time. Her...
With proper planning, you can have a perfectly secure retirement without a pension....
If you’re expecting a pension when you retire, your decisions on how it’s distributed could have long-term effects on your financial security....
As state and local governments struggle fill public safety positions, new research finds pensions play a critical role with worker retention....
They would improve transparency and most likely returns by investing in index funds. I must admit, I love it when research supports my gut. Hence, I am delighted to report the findings from the new st...
So i m retiring soon, my wife is already retired. As far as pension, healthcare, social security, 401K, taxes…. I m fine with these important aspects of retirement What i want to look at now is...
I’ve been in my job for over twenty five years, and I’m looking forward to seeing what comes next after my pension is ready in just a few more. Not retiring, just moving on. I’ve had...
Hello! I’m eligible to retire at 60, but I worry it’s still too early. I’ll have a modest pension at that point (won’t cover all my expenses by any stretch) 401k, and health in...
Thebrief’skey findings are: Public pension plans are increasingly relying on alternative investments and active management. But how does plan performance compare to a simple 60/40 index over var...
The answer depends on multiple factors, such as what your alternative investment options would be, whether you want to leave money to a beneficiary and more....
Like dinosaurs, pension plans are fascinating, large, and strong. But unlike dinosaurs, pensions are not extinct. In fact, pension plans are alive and well today....
Jason Roberts of Pension Resource Institute discusses how the DOL’s latest fiduciary rule…...
Three years ago, Congress took the unprecedented step of spending taxpayer dollars to bail out private-sector pensions plans. As part of a $1.9 trillion Covid stimulus bill, lawmakers approved an $86 ...
In some cases, you could buy life insurance instead and get a better deal in protecting your spouse. There are some things to keep in mind, though....
To maximize your retirement income, you need to know how your cash balance plan works, which type of payout is right for you and how it’s taxed....
A NIRS brief provides six recommendations for Congress to consider in broadening pension…...
This federal law determines many of the rules for your 401(k) or pension....
So I know I need to get an accountant but I wanted to know what other people have done? I plan on selling my house in CT and I know my house in Las Vegas is probably going to be a $100,000 more. I can...
I was fortunate to have a pension and took a lump sum after over 20 years. It was a contributory pension that allowed me to contribute 1.5% of my salary monthly for a higher pension. I'd like to calcu...
Adding pension income to Social Security benefits and income from required minimum distributions could see you facing a tax torpedo and higher Medicare costs....
I'm a teacher and I planned on retiring at the end of this school year. I am 65 and this is my second pension. Our district increased salaries significantly for the next school year. My pension is bas...
Certain benefits are guaranteed if your pension plan fails....
Twenty years after Executive Life defaulted on worker pensions GM and Verizon helped kickstart a broader trend in corporate America, where over $300 billion in retiree......
I've been told that I can begin collecting my pension at the age of 60. I'm no longer working in that state so I've been an inactive member for the past 4 years. The amount that I get paid won't go up...
I retired in January and must decide whether to take my Company pension in a lump sum or monthly distribution. I am female, 65 and in good health. If I elect the lump sum I will get $187,382 and if I ...
Research shows that the majority of Americans favor pension benefits — but can this retirement-planning relic actually make a comeback?...
It's happened to me twice now! Six years ago the so called benefits administrator estimated a monthly benefit (the only means to pay, no lump sum) to be $120 per month more than it is six years later....
But a fair observer of the 401(k) system would point out where it is working and where it has holes....
What made you decide to retire, and how did you know when you were ready? I’m 57, i’ve been in the same profession for 35 years and will have a decent pension. I need to decide whether or ...
How important was the 1974 legislation compared to other factors? This year is the 50th anniversary of the Employee Retirement Income Security Act of 1974 (ERISA), so Yale Law School professor John La...
After IBM unfroze its pension, some wondered if this was the start of a defined-benefit renaissance. Researchers say that's not what it was about....
Earlier this week, I wrote of the news that IBM was reopening its defined benefit (DB) plan. This column follows up with employee context....
IBM is known for being a leader and changemaker in retirement funding. Is IBM reversing the decades-long trend of corporates moving from traditional DB pension plans?...
Hi, my husband is retiring in 3 years at age 61. We have the funds we need, we have a lifelong pension with joint survivor benefits, and we don't carry any debt (homes and cars are paid for and childr...
The company has stopped making contributions to 401(k) accounts, and instead gives workers cash credits in a new version of its old pension plan....
My SO and I both recently retired at 62 however most of our 401Ks are in target date funds for when we turn 67. Currently we are able to live off SS and pensions and don't need to touch the 401Ks. Giv...
Did IBM just kick off the next big trend in the world of employee retirement benefits? Big Blue made headlines recently when it announced plans to end its 401(k) matching contribution in favor of a ne...
I'm not great with numbers, and not financially all that savy, so here goes. Please be kind. ? I'm almost 60. I'm planning to retire next year. I have 32 years in a state pension (and other investment...
Long-term employees in these industries are often able to retire comfortably....
Coming up on 60, and beginning to try to organize my retirement. I'm in pretty decent shape, I think....have one pension that starts when I turn 60 that is almost 50K, and another that is about 28K, a...
Four decades into the 401(k) experiment, it shouldn’t come as a surprise that employers are reconsidering pensions....
Im 56 have $490k in a Roth, $60k in Traditional IRA will collect $1299 in pension in 10 years with an estimated $3900 a month in SS in 10 years. $75k in savings. Can I retire in 10, or will I have to ...