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Quarterly Newsletter
3rd Quarter 2008
How to Protect Your Money When Retirement is Near
People at or near retirement age are typically most concerned about the recent market volatility. They may need to start tapping their nest eggs soon, and they may not be able to afford to ride the market's ups and downs. But they generally shouldn't switch all of their savings to conservative investments, either, because they may still have 20 or 30 years in retirement and need some of their money to grow for the future. If your entire portfolio is invested too conservatively, it might not keep up with inflation over the long term and you'll be more likely to outlive your savings. Balancing this may seem tricky, but the following strategy can help provide you with the money you need.
[Read More]Special Protections for Your Retirement-Plan Money
The assets in your ICMA-RC retirement accounts are protected in several ways.
[Read More]Around ICMA-RC
The Vantagepoint Public Employee Memorial Scholarship Fund was established by ICMA-RC to assist children or spouses of public-sector employees who die in the line of duty. Learn more about this scholarship and the upcoming application deadline.
[Read More]Now May Be a Good Time to Convert to a Roth
If you have a traditional IRA that has lost value, this might be a great time to convert it to a Roth.
[Read More]How to Cut Energy Costs in the Winter
Here's one way to cut your expenses during these challenging economic times: Lower your energy costs.
[Read More]Investing Spotlight
Even if you keep most of your long-term savings in a balanced portfolio of stock and bond funds, it's important to keep money for your short-term needs in investments that seek to preserve capital while earning a modest interest.
[Read More]Resources to Help You Invest
It can be stressful to manage your investments by yourself during these volatile times. Learn about several resources that can help you make smart investing decisions.
[Read More]New Tax Rules That Can Help
The financial-rescue plan passed earlier this year includes a few key changes that could help lower your 2008 tax bill.
[Read More]Market View: Stocks, Bonds, and a Balanced Portfolio
Returns on stocks, bonds, and other assets can go up or down. This unpredictability is a fundamental risk of investing, and managing risk in volatile markets can be especially challenging. See how stocks, bonds, and a balanced portfolio have performed over the past 20 years.
[Read More]Help for Homeowners
If you're having problems making your mortgage payments, the following resources may be able to help.
[Read More]