Hispanos enfrentan crisis en planes de jubilación

Si bien los hispanos registrarán el mayor incremento en su población de adultos mayores y jubilados para el 2050, según recientes proyecciones de la Oficina del Censo, desde ahora figuran entre las personas con menos liquidez y poca seguridad financiera para la vejez. Según datos del Economic Policy Institute (EPI), sólo el 26% de las familias hispanas tenía ahorros en un plan de jubilación como un 401(k) o una cuenta IRA, en 2013. Mientras tanto, el 65% de las familias …

Closing the Loophole That Costs People $17 Billion in Retirement Savings

We all rely on advice — from friends, family and, at times, complete strangers. Sometimes you get good advice and other times you get advice that is not in your best interest. But if you get advice from a professional like a doctor, a lawyer or a financial professional, you should be able to rely on knowing that it will always be in your best interest. Unfortunately, that is not always the case when it comes to financial advice. While …

Obama Floats New Options for Retirement Savings

Small businesses would be able to band together to create a joint 401(k) retirement plan, and some part-time workers could participate in their employer’s plan, under proposals to be included in President Obama’s final budget to Congress. An outline of these and other proposals to expand access to retirement accounts to more than 30 million people was released Jan. 26. More details, along with cost figures, will be available when the president submits his budget next month. Some ideas are …

5 consejos prácticos si piensas jubilarte en 2016

La jubilación es una transición a una nueva fase de la vida que requiere cambios en nuestras finanzas y estilo de vida. Sin embargo, muchas personas no están preparadas para esta etapa, por lo cual su adaptación puede resultar traumática. Si el próximo año planeas jubilarte, toma en cuenta estos preparativos finales previos a la jubilación. Fotos: ¿Retirarte en el extranjero? 15 cosas que debes saber antes de hacer maletas 1. Aprovecha los beneficios en tu empresa En los últimos …

Uncle Sam Bolsters Support of State-Sponsored Retirement Plans

The U.S. Department of Labor is paving the way for states to sponsor retirement plans for millions of private-sector workers who don’t have such programs on the job. About 68 million U.S. workers don’t have access to a 401(k) or similar workplace account, according to the Labor Department, even though studies show that employees are more likely to save for retirement if their employer offers a savings plan. More than half of the 50 states are either developing retirement savings …