1st Quarter 2009

Coping When Retirement Is Near

The past year has been particularly stressful for people who are getting close to retirement. Here are some opportunities too free up more cash and protect your savings.

Save money on interest. Pay off high-interest credit-card bills so you can free up more money for your important expenses.

What You Need to Know About the Stimulus

The stimulus plan, which became law on February 17, includes several tax breaks that can put more money in your pocket. Read more about the key provisions that can help you save.

Go Green—Go Paperless!

You can access your ICMA-RC quarterly statements, transaction confirmations, and even your quarterly newsletter online at your convenience. Learn more about the benefits of going paperless.

Around ICMA-RC

Learn more about changes to the Quarterly News, how to receive e-alerts to notify you about major changes in your daily account values, and where to find enhanced online fund profiles.

Market View: Reduction of Risk Over Time

The Market View chart shows the range of U.S. equity returns, as represented by the S&P 500 Index, for various time periods since 1926. Investing in the S&P 500 Index for a one-year period varies from a 163 percent gain to a 68 percent loss. However, the range of annualized returns is narrower for longer rolling time periods.

No Required Minimum Distributions in 2009

A new rule suspends required minimum distributions from retirement plans in 2009. You can leave the money growing tax-deferred in the account, instead of selling investments during this downturn.

Investing Spotlight: Model Portfolio Funds and Milestone Funds

It’s always important to match your investments with your time horizon and your risk tolerance. But it can be difficult to do that on your own.

Five Overlooked Tax Breaks

Trimming your tax bill puts money in your pocket. Don't miss these opportunities to save.

New Help for Homeowners

The federal government’s new housing program hopes to make mortgage payments more affordable for as many as nine million homeowners.

Smart Uses for Your Tax Refund

During difficult economic times, it’s especially valuable to get any extra money. Find out about three smart uses for your tax refund that could make a long-term difference in your finances.