Achieving retirement goals requires a strategy for generating lifetime income.
If you’re retired, you should keep monitoring your savings. Many of us will live 20 years or more in retirement, with women living even longer than men.
If you’ve built up assets and are investing consistently, you should continue to save and consider additional insurance to protect what you already have.
If you’re nearing retirement, your main goals are to keep contributing to your retirement account, and decide how and when you will step away from work.
Manisha Thakor shares why women invest differently than men.
Moving money into an IRA can be an easy way to manage retirement savings from your past and future jobs, in one place.
If you have enough guaranteed income and investment assets to last for the rest of your life, you may have the ability to retire early.
While the April 15 income tax filing deadline is dubbed “Tax Day,” there is another very important deadline taxpayers need to keep in mind.
Nearing retirement is a time to shift your focus from accumulating assets to turning those assets into a source of income.
Simplification and lower fees make consolidation an attractive option.
Retirement planning requires research, solid investment products and the ability to manage varying levels of risk.
A quick refresher of things to consider — including diversification and asset allocation.
Some people think of investing and saving as the same thing, but what's the difference?
Today, people have far more options and tools available to them to help them plan their retirement.
An Individual Retirement Account (IRA) offers a great way to build additional savings for retirement.
In many ways, women in America today face more significant challenges in saving for their retirement than do men.
If you haven't started saving and investing for your future, there's no better time than now.
Some common myths about retirement can undermine your financial well-being.
An asset class is a group of securities that have similar financial characteristics.
How you organize your finances now will play a large role in your future.
Your retirement income should support cost-of-living increases, healthcare, and withstand market fluctuations.
With fraud on the rise, it’s important to know the different methods and how to protect yourself.
The Traditional and Roth IRA contribution limits are $5,500 ($6,500 if 50 or older) for tax year 2014.
For many investors, converting a Traditional IRA to a Roth IRA makes sense because of the many advantages Roth IRAs offer.
Most people dream of having financial freedom in retirement.
While your retirement goals may be complex, an annuity can help make meeting those goals simple.
Annuities have a bad reputation among some people — but not necessarily a well-deserved one.
More basics about fixed and variable annuities.
Guiding principles to help you learn how to save money for a trip, even on a budget.
When you’re still working, you likely have multiple financial goals that you’re juggling.
Manisha Thakor’s guide to maximizing your early career earnings by negotiating pay packages, paying debt and saving money.
If you need to raise cash in a hurry, the money in your workplace retirement plan should be your last resort.
Making changes, from small upgrades to full-scale home renovations, can have a major impact on your financial situation.
Now is the time to start thinking more broadly to save for long-term goals, and figure out where your financial priorities lie.
Think you don't have enough money to save? Saving even small amounts now can be a benefit.
Manisha Thakor encourages women to share their financial knowledge with other women.
Insurance reimburses people for covered losses in unfortunate events such as an illness, accident or death.
Women cannot afford to put off planning for the long term until they are planning with a partner.
Single women relying on one income to support themselves still need to earmark money for retirement.
As a single woman in your mid-60s, you have exciting opportunities ahead as well as important decisions to make.
Learn how to protect your information and steps you should take if you become a victim of identity theft.
Overspending can lead to excessive debt and make it difficult for you to reach your financial goals.
It's okay if you're not an experienced investor and don't have hours to spend building an investment strategy. Consider investing in a lifecycle fund.
Whether you’re saving for a child’s education or a new home, there’s a strategy to it.
There are two basic kinds of life insurance: term and permanent.
Understanding your pay stub and knowing where your money is going are essential to effective money management.
By creating and following a budget, you become better able to spend within your means.
Even with the best plan, surprises can take you off course. That might mean emergency car or home repairs.
Nearly everyone carries some kind of debt, but then, all debt is not created equal.
Here are some steps you can take to help you and your spouse lead a financially healthy lifestyle.
One of the most critical financial decisions married couples have to make is when to claim Social Security retirement benefits.
For many people over the age of 50, Social Security is one of the most important sources of income they’ll have in retirement.
As a couple, planning for retirement is among the most important decisions you and your spouse will make.
By teaching your children sensible habits about saving and spending, you can set them up to handle money wisely their entire lives.
Teaching money management skills can help teens develop healthy financial habits, so they have a better understanding of and control over future cash.
Discuss money matters with your aging parents to help them remain in control of their financial situation to the degree they’re comfortable with.
Manisha Thakor’s guide for saving to take a break from the workforce including the 77/11 Rule.
Planning for a new baby is an exhilarating time. It can also be an expensive one with childcare costs.
When planning your estate and deciding who is to get what assets, consider how to distribute those assets – by giving it to your loved ones all at once or using a trust to distribute the assets over time.
Same-sex married couples can now plan for how their financial lives will change when it comes to federal taxes and benefits.
Manisha Thakor shares how to talk to your kids about money.
Not every survivor needs an attorney, but a good probate lawyer can solve many problems more easily than you can alone.
After the death of a loved one, you may need to transfer ownership or change the title on property, or modify documents.
Depending on the estate, you may want to find a tax accountant to help you coordinate with your attorney.
There are usually only a few details left by the ninth month after the death — you may need to file and pay taxes.
To apply for benefits, the first thing you’ll need to do is gather paperwork.
Returning to work can be exciting, but getting your finances in order before you head back can make things easier.
Having a baby is an exciting, life-changing event. Make sure you know how to prepare yourself financially.
Even if you've already begun saving, you might be wondering if you will have enough to cover college costs when the time comes.
Incapacity can happen at any time due to causes like a serious injury, dementia or other forms of illness.
Care for both children and aging parents? You are one of 20+ million Americans caught in the Sandwich Generation.
Consider a regular mutual fund account in your name with the funds earmarked for education.
The statistics are telling: Women age 65 and over are three times as likely as men of the same age to be widowed.
Couples should tackle financial planning together in case one person loses the ability to make decisions.
Consolidating retirement accounts belonging to you and your spouse or domestic partner can help simplify finances.
If you're contemplating divorce, you want to be sure you have a firm grasp on your financial situation.
1 “The Rise of the Female Investor”, The Wall Street Journal, February 2013
2 U.S. Department of Labor, U.S. Bureau of Labor Statistics, October 2012. Data pertain to workers aged 25 and older.
3 Through the 3rd quarter of 2012, according to an index from the firm Rothstein Kass and according to the HFRX Global Hedge Fund Index.
TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Insurance products issued by TIAA-CREF Life Insurance Co., New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.
Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.
TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.
The TIAA-CREF Retirement Advisor is a brokerage service provided by TIAA-CREF Individual & Institutional Services, LLC, a registered broker-dealer and member of FINRA.
TIAA-CREF does not offer tax or legal advice. Please see your personal tax and legal advisors regarding your particular situation.
The material is for informational purposes only and should not be regarded as a recommendation or an offer to buy or sell any product or service to which this information may relate. Certain products and services may not be available to all entities or persons.
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