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Allan Roth


Allan Roth is the founder of Wealth Logic, an hourly-based financial planning firm in Colorado Springs, Colo. He has taught investing and finance at universities and written for Money Magazine, The Wall Street Journal and others. His contributions aren’t meant to convey specific investment advice.

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Allan Roth'sPosts

Stay or Roll: When to Put a 401(k) Into an IRA

Posted on 06/26/2014 by |AARP Blog Author | Comments

Money & Savings | Your LifeBloomberg News recently wrote about brokers profiting by advising retirees to roll their 401(k) accounts into IRAs. Many of the retirees interviewed said they lost a lot of their savings from investments subsequently recommended to them. But this doesn’t mean you shouldn’t consider transferring your 401(k) money into an individual retirement account (IRA). Here’s how to decide: First, a little background. A 401(k) account is an employer-sponsored plan that allows the employee to save and invest, typically receiving a tax benefit when the contribution is …

Why Insurance and Investing Often Don’t Mix

Posted on 05/15/2014 by |AARP Blog Author | Comments

Money & SavingsInsurance is a contract between you and an insurance company to protect you from potentially costly events.  You pay a premium to the  company, and it insures you against various unpredictable occurrences:   Insurance can provide you or your family with replacement income if you die or become disabled.  You can protect valuable assets, such as your car or home, as well as liability for accidents you’re responsible for. You can reduce the impact of unexpected expenses with health or …

Interest Rates Are Low Until You Do the Math

Posted on 05/1/2014 by |AARP Blog Author | Comments

Money & SavingsI often hear that interest rates are awful and that it’s the worst time ever for retirees needing to live on fixed income. Yet when you look at after-tax, inflation-adjusted returns, a different picture emerges. Many people smile when I tell them that back in 1980 they could have earned 12 percent on a 10-year U.S. Treasury or certificate of deposit (CD). Depositing $10,000 would have returned $1,200 a year. But if a third went to taxes, that gain would …

Those Free Dinner Seminars May Give You Heartburn

Posted on 04/21/2014 by |AARP Blog Author | Comments

Money & SavingsEver get those invitations for a free financial seminar at a restaurant? “Nothing will be sold — we only want to educate you on your financial future,” is the typical pitch. Most specify that “financial professionals may not attend.” However, I recently received one that didn’t exclude me, and decided to see what I might learn about my financial future. Here’s my experience and what you need to know. First, this wasn’t just some seminar at a local restaurant; this …

Are You Being Suckered by High-Speed Computers?

Posted on 04/2/2014 by |AARP Blog Author | Comments

Money & SavingsIn his new book, Flash Boys: A Wall Street Revolt (W.W. Norton & Company, 2014), Michael Lewis, author of  Moneyball and The Big Short, says stock market trading may be rigged by so-called high frequency traders using supercomputers. During an interview about his book Sunday on CBS’s 60 Minutes, Lewis discussed the impact of high frequency trading in what’s known in the brokerage world as front-running. To explain what this is, let’s say you wanted to buy 100 shares of …

Why I Like 529 College Savings Plans

Posted on 03/27/2014 by |AARP Blog Author | Comments

Money & SavingsIf you want to help pay for higher education for a child or grandchild, consider using a 529 college savings plan. These plans allow you to put money aside for tuition and other college-related expenses, while getting some nice tax advantages as well. Since I have a son who will be college bound in a couple of years, I’ve looked at all sorts of ways to pay for it and can say the 529 plan is by far the best …