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America has a serious problem saving for retirement.
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Question: Does the current crisis have any effect on my defined-benefit pension plan?  I just turned 55 and was getting ready to start drawing from it. Will the amount I receive change now? —Lynn, Hephzibah, Georgia
Answer: The short answer is no. Just because the stock market has been reeling and the economy is in a [...]
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You can always make a case to regularly retool your account - and this year, it’s especially important.
Normally I rebalance my 401(k) at the end of the year. But considering the losses I have in my account, do you think I would be better off waiting for the market to stabilize before rebalancing? - Samuel [...]
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Question: I’m 66 and have major stock losses in my investment accounts. Can I use those losses to reduce what I’ll owe in income taxes? —Ben G., Roanoke, Texas
Answer: Unless the stock market does an abrupt about-face and claws its way back into positive territory in the next two months, a lot of people like [...]
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Question: I have $100,000 in an annuity with AIG that my mom and I depend on for income to live. Should I cash it out even though I would suffer a loss, or do you think I should hold onto it? It’s so hard to know what to do. —Kitty Schwartz, Plano, Texas
Answer: Most people [...]
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Take our quiz to see whether you're on track.
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If you can learn from the mistakes of others, now is a great time to be an investor.
Question: I’m inexperienced when it comes to investing, but I want to build a more secure financial future. What tips or suggestions do you have for a young investor like me? —Caleb Bond, Denver
Answer: It’s a great [...]
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The stock market keeps taking a hammer to the conventional wisdom about retirement investing.
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Question: If an investment firm like Fidelity or T. Rowe Price goes bust would I lose the money I have in mutual funds in IRAs and other accounts? —Gerry Cheok, Gaithersburg, Maryland

Answer: Already in this financial crisis, we’ve seen investment banks, commercial banks and mortgage firms fail or require some sort of government bailout to [...]
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Will I ever be able to retire now? That's a question you're likely asking yourself these days. After a year in which your 401(k) has been hammered by the biggest stock losses since the Great Depression, your home equity has been whacked by the collapse of the real estate market and the specter of being laid off looms larger every day, no one can blame you for being skeptical.
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