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Reaching Retirement Goals by Following 10 Basic Axioms

Unfortunately, these principles are easier to understand than to implement. For many individuals, it is easier to plan to save and invest next month rather than to begin immediately.

A Second Look at How Target Date Funds Change Their Allocations

"Setting aside questions about whether target date funds use the most optimal allocation strategies -- beyond the scope of this article -- the biggest downside to them is the lack of customization. Shareholders in these funds are locked into specific fund families. They are also locked into allocation ranges based on planned retirement ages. So-called robo-advisers offer an alternative."

How Much Should You Have in Equities Until Retirement?

Excerpt: A new analysis shows that even those who pursue a more conservative investment strategy to avoid large losses at retirement -- with the intention of cashing out their assets soon after retiring to, say, buy an annuity -- might not do as well as those with a more aggressive strategy.

Retirement Crisis: Real or Hype?

"Charles Ellis, founder of Greenwich Associates ... [said,] 'We've shifted the responsibility for virtually every decision from the corporation to individuals,' ... adding his observation that individual investors do not do a good job of investing, nor of saving ... AEI Resident Scholar Andrew Biggs argued that how one assesses retirement readiness depends in part on how retirement savings are measured.... '[T]he real problem is on the government side.' In his view, it's 'putting too many eggs in a very risky basket' to depend on Social Security and state and local governmental retirement systems.