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    <title><![CDATA[Go Banking Rates: Retirement]]></title>
    <link>http://www.gobankingrates.com/retirement/rss/</link>
    <description><![CDATA[The latest retirement information, rates and news]]></description>
    <pubDate>Fri, 20 Nov 2009 19:21:35 -0600</pubDate>
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      <title><![CDATA[Go Banking Rates: Retirement]]></title>
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      <title><![CDATA[What to do with Your 401k After Leaving a Job ]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401k-after-leaving-job/</link>
      <description><![CDATA[Learn more about how you should handle your 401k when you leave your job.]]></description>
      <pubDate>Fri, 06 Nov 2009 09:49:24 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[401k Asset Reallocation During Difficult Economy]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/-401k-asset-reallocation-during-a-difficult-economy/</link>
      <description><![CDATA[Learn more about when you should be thinking about reallocating your 401k assets and what strategies you should use.]]></description>
      <pubDate>Thu, 05 Nov 2009 09:48:54 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Divorce + 401k = A Difficult Situation]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/divorce-401k-difficult-situation/</link>
      <description><![CDATA[Learn more about how 401k plans are usually divided during a divorce settlement.]]></description>
      <pubDate>Wed, 04 Nov 2009 09:48:13 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Mentally Gain Control Over Your 401k Options ]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/mentally-gain-control-over-401k-options/</link>
      <description><![CDATA[Take control of your finances and 401k until you are able more easily manage your target date and asset allocation.]]></description>
      <pubDate>Tue, 03 Nov 2009 10:45:40 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Like it or Not, Americans Are Cashing Out Their 401(k)s]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/like-it-or-not-americans-are-cashing-out-their-401ks/</link>
      <description><![CDATA[Suze Orman is probably shooting out expletives at every turn with recent news that nearly half of unemployed Americans are withdrawing funds from their 401(k) plans.]]></description>
      <pubDate>Mon, 02 Nov 2009 16:46:49 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Benefits of a 401k Rollover]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/benefits-401k-rollover/</link>
      <description><![CDATA[Learn more about the benefits of a 401k rollover, like no taxes on your accumulated savings.]]></description>
      <pubDate>Mon, 02 Nov 2009 15:59:43 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Salvaging Your Declining 401k ]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/salvaging-your-declining-401k/</link>
      <description><![CDATA[When your 401k declines, action must be taken, but not the reckless kind - here's how to save your portfolio from ruin.]]></description>
      <pubDate>Thu, 29 Oct 2009 07:00:55 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[401k Contribution Limits Won't Change Next Year]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401k-contributions-limits-won-t-change-this-year/</link>
      <description><![CDATA[Workers contributing to their 401ks will be happy to know that their contribution limit won't change this year. Typically, the contribution limit adjusts to the conditions of the economy. Since the economy is in a deflated state, economists thought the IRS might lower the limit for 2010. However, it appears that the limit will sit still be at $16,500 for the year.]]></description>
      <pubDate>Tue, 20 Oct 2009 07:00:45 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Obama Seeks Payments for Social Security Recipients]]></title>
      <link>http://www.gobankingrates.com/retirement/obama-seeks-payments-for-social-security-recipients/</link>
      <description><![CDATA[President Obama plans to press Congress to provide $250 payments to 57 million seniors, veterans, and people with disabilities next year. The effort will likely cost $13 billion, but will help offset the cost-of-living increase that will be absent from Social Security checks at the beginning of 2010.]]></description>
      <pubDate>Fri, 16 Oct 2009 07:00:28 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[401ks Are Recovering After Being Hit Hard in 2008]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401ks-recovering-after-being-hit-hard-in-2008/</link>
      <description><![CDATA[If you're one of the millions who lost part of your 401k savings in 2008, you probably don't need any expert to tell just how bad it was; however, times are getting better. According to recent information released by the Employee Benefit Research Institute and the Investment Company Institute, many investors have been able to recoup what they lost.]]></description>
      <pubDate>Thu, 08 Oct 2009 07:00:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Ways to Increase Your 401k Returns ]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/increase-401k-returns/</link>
      <description><![CDATA[Learn more about how you can increase your 401k returns with these easy steps.]]></description>
      <pubDate>Sun, 04 Oct 2009 22:36:09 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Bear Proof: Protect Your 401k from a Recession]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/protect-401k-recession/</link>
      <description><![CDATA[Learn how you can safeguard your 401k plan from losses during a severe recession with this simple guide!]]></description>
      <pubDate>Sun, 04 Oct 2009 22:32:33 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[ Tips on Investing for Early Retirement]]></title>
      <link>http://www.gobankingrates.com/investments/tips-on-investing-for-early-retirement/</link>
      <description><![CDATA[If you're like most people, you're grateful for your job and generally enjoy it, but you can't wait for weekends and vacations. 
Taking it to the next level, you also can't wait to retire - and may even be planning on an early retirement. If you are, then...]]></description>
      <pubDate>Thu, 01 Oct 2009 10:03:32 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Social Security Checks Won't Receive Annual Cost-of-Living Increase]]></title>
      <link>http://www.gobankingrates.com/retirement/social-security-checks-won-t-receive-annual-cost-of-living-increase/</link>
      <description><![CDATA[Seniors receiving their social security checks in January 2010 may be disappointed to find that for the first time in three decades they won't receive their cost-of-living adjustment. The 2-3 percent increase usually hits checks in January of each year in order to keep up with inflation; however, this year, the extra money won't be there.]]></description>
      <pubDate>Tue, 29 Sep 2009 08:34:20 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What to do with Roth IRA if you Decide to Retire Early?]]></title>
      <link>http://www.gobankingrates.com/retirement/ira/what-do-i-do-with-my-roth-ira-if-i-decide-to-retire-early/</link>
      <description><![CDATA[Are you thinking about taking an early retirement? If so, you're not alone. Many people want to "jump ship" from the daily grind and really live life while they're younger than 65. Of course, retiring early means you have to have plenty of money saved up in order to do it comfortably - life costs a lot of money no matter how old you are. In fact, it might cost more on average when you're older because you need more help with things. One way that many people plan for early retirement is through the very popular savings vehicle of a Roth IRA. Like the regular IRA and the 401k, the Roth IRA was created specifically for retirement savings.]]></description>
      <pubDate>Mon, 28 Sep 2009 12:16:51 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Is Retiring Early a Good Idea?]]></title>
      <link>http://www.gobankingrates.com/retirement/is-retiring-early-a-good-idea/</link>
      <description><![CDATA[Practically everyone has to work for a living, and earn their way in the world. If they don't, they're one of the lucky few who inherit tons of money from their parents or grandparents, or win the lottery and are set for life. 
For those of us who work, i...]]></description>
      <pubDate>Fri, 25 Sep 2009 10:52:15 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[The Trick to Moving Employer Stocks in a Rollover]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/don%u2019t-reallocate-employer-stocks-when-doing-a-rollover/</link>
      <description><![CDATA[If you work for a company that offers a 401k retirement plan, and you participate in it, you may be getting company stocks as part of the deal. 
If you are, you could also see those company stocks get special tax treatment. The company stock you have in y...]]></description>
      <pubDate>Tue, 22 Sep 2009 16:42:16 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Starting an IRA in Your 20s Pays Off]]></title>
      <link>http://www.gobankingrates.com/retirement/ira/the-importance-of-starting-a-retirement-fund/</link>
      <description><![CDATA[When you're in your 20s, retirement is probably the last thing on your mind. You may think you don't have enough money to start an individual retirement account, or you don't have to worry about retirement until you are older. 
However, there is never a b...]]></description>
      <pubDate>Fri, 18 Sep 2009 09:35:05 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Common 401k Mistakes]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/common-401k-mistakes/</link>
      <description><![CDATA[Nobody is perfect and everyone makes mistakes. Whether it is accidentally forgetting the sugar in a chocolate cake recipe or hitting the curb when parallel parking, it is human nature to blunder every now and then. 
Some mistakes, such asmismanaging your ...]]></description>
      <pubDate>Fri, 18 Sep 2009 08:27:59 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Advantages and Disadvantages of Borrowing Against Your 401k]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/can-i-borrow-from-a-401k--/</link>
      <description><![CDATA[If you are in the position of being bitten by the the economic "crunch," you are probably in the position of trying to find possible revenue streams to help you get through these times. 
If you have a 401k retirement, investment portfolio you can indeed b...]]></description>
      <pubDate>Fri, 18 Sep 2009 04:12:18 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Unemployed? What to Do with Your 401k]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/-what-to-do-with-401k-during-unemployment-/</link>
      <description><![CDATA[Regardless if you quit, were laid off or fired, there are several options of what to do with your 401k investments if you part ways with your employer. 
Depending on the terms of the 401k disbursements from your company regarding vested distributions, you...]]></description>
      <pubDate>Thu, 17 Sep 2009 16:56:53 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[401k Non-Hardship Withdrawal Facts]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401k-non-hardship-withdrawal/</link>
      <description><![CDATA[Most Americans plan for retirement by investing into a 401k plan. 
But the investment is not like others, you will be heavily penalized if you try to withdraw the money earlier than retirement age. In some cases, your money cannot be accessed at all expec...]]></description>
      <pubDate>Tue, 15 Sep 2009 08:06:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Should I Contribute to a 401k if I've Got Money Problems?]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/should-i-contribute-to-a-401k-if-i-am-facing-financial-hardship/</link>
      <description><![CDATA[Times are tough and thousands of Americans are facing financial hardship. 
If you are still fortunate enough to have a job and are even luckier to have a 401k plan as part of your benefits package, making contributions to your 401k plan may be the last th...]]></description>
      <pubDate>Tue, 15 Sep 2009 07:53:32 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[401k vs. IRA in Retirement Planning]]></title>
      <link>http://www.gobankingrates.com/retirement/401k-vs-ira/</link>
      <description><![CDATA[Which retirement plan is right for you? A 401k or an IRA - a look at the differences between the two major types of retirement accounts.]]></description>
      <pubDate>Fri, 11 Sep 2009 11:32:15 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[6 Steps to Rebuilding Your Retirement Nest Egg]]></title>
      <link>http://www.gobankingrates.com/retirement/what-to-do-when-your-retirement-funds-are-gone-rebuilding-your-nest-egg/</link>
      <description><![CDATA[Realizing that your retirement nest egg has dwindled away is a common symptom of this current recession; the good news, however, is that there are ways to go about rebuilding your funds.
This realization, however, has not yet arrived for the 60 percent of...]]></description>
      <pubDate>Fri, 11 Sep 2009 07:00:30 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[The Choice Between a Roth 401(k) or a Traditional 401(k)]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/the-choice-between-a-roth-401-k-or-a-traditional-401-k/</link>
      <description><![CDATA[It doesn't take a financially savvy person to know that taking advantage of an employer 401k plan is a must for building a future retirement portfolio. However, some would say it difficult to choose between Roth 401k plan and a traditional 401k plan.]]></description>
      <pubDate>Thu, 13 Aug 2009 10:04:20 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Claiming Social Security Benefits More Difficult than Expected]]></title>
      <link>http://www.gobankingrates.com/claiming-social-security-benefits-more-difficult-than-expected/</link>
      <description><![CDATA[Learn more about why it may be getting difficult for some to collect their social security benefits in a timely fashion.]]></description>
      <pubDate>Tue, 11 Aug 2009 11:37:03 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[ Advantages of a Roth 401k]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/advantages-of-a-roth-401k/</link>
      <description><![CDATA[Establishing and contributing to a prudent retirement strategy should be incorporated into a monthly budget. If your current employer offers the benefit of a traditional 401k and a Roth 401k plan, you may want to take advantage of the Roth 401k because of the advantages it offers.]]></description>
      <pubDate>Tue, 04 Aug 2009 14:37:35 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[ Top 7 Reasons You Should Invest & Save While You're Young]]></title>
      <link>http://www.gobankingrates.com/investments/top-7-reasons-you-should-invest-save-while-young/</link>
      <description><![CDATA[Get the Top 7 reasons to save money and invest while you're young.]]></description>
      <pubDate>Wed, 15 Jul 2009 16:51:22 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[The Importance of Opening a Retirement Account]]></title>
      <link>http://www.gobankingrates.com/retirement/the-importance-of-opening-a-retirement-account/</link>
      <description><![CDATA[Planning for your retirement is one of the most important things you need to address. Two of the most popular ways of planning for retirement are through 401(k) plans and IRA accounts.]]></description>
      <pubDate>Mon, 13 Jul 2009 22:18:59 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[WEAKNESSES in Your 401K Plan]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/weaknesses-in-your-401k-plan/</link>
      <description><![CDATA[Most people's 401(k) Plans are not the most well rounded or profit optimized - learn what holes your 401(k) might have and take charge of how your retirement accounts.]]></description>
      <pubDate>Mon, 06 Jul 2009 16:15:32 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Your Retirement Calculation Tools are Broken!]]></title>
      <link>http://www.gobankingrates.com/retirement/your-retirement-calculation-tools-are-broken/</link>
      <description><![CDATA[Learn more about why the financial retirement calculator tools you rely on may be inadequate.]]></description>
      <pubDate>Mon, 15 Jun 2009 09:01:05 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Investing in a 401k Plan - Is it a Logical Choice?]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/is-investing-in-401k-plan-a-logical-choice/</link>
      <description><![CDATA[Many baby boomers who were suppose to be the first wave of retirees on 401k plans have lost at least 20% of their contributions have question whether contributing in 401k was really sensible.]]></description>
      <pubDate>Wed, 10 Jun 2009 14:57:14 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How Much do I Need for Retirement?]]></title>
      <link>http://www.gobankingrates.com/retirement/how-much-do-i-need-for-retirement/</link>
      <description><![CDATA[Knowing how much you need to invest to retire is base on a few factors of your personal finances.]]></description>
      <pubDate>Fri, 29 May 2009 18:50:20 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[No 401K Match? No Problem]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/no-401k-match-no-problem/</link>
      <description><![CDATA[Due to the recession many companies have cut back on matching their employees' 401(k) plan.]]></description>
      <pubDate>Wed, 27 May 2009 13:32:28 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Roll 401(k)s into IRAs for More Diverse Investment Options ]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/roll-401k-into-iras-for-more-diverse-investment-options-/</link>
      <description><![CDATA[When you roll over your 401k into an IRA, you will enjoy greater flexibility and have more diverse investment options.]]></description>
      <pubDate>Wed, 20 May 2009 21:50:32 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Social Security and Medicare in Danger]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/social-security-and-medicare-in-danger/</link>
      <description><![CDATA[With Social Security and Medicare set to run out soon, younger workers should develop a strong retirement plan.]]></description>
      <pubDate>Thu, 14 May 2009 07:03:02 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Top 5 Reasons You Should Be Investing]]></title>
      <link>http://www.gobankingrates.com/investments/top-5-reasons-you-should-be-investing/</link>
      <description><![CDATA[Despite the negative aspects of investing, everyone should take the time and effort to make their money work for them.]]></description>
      <pubDate>Tue, 12 May 2009 09:29:35 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Death of the Pension]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/death-of-the-pension/</link>
      <description><![CDATA[Traditional pension plans are being cut across the top US companies, and more and more people must rely on their 401k's.]]></description>
      <pubDate>Mon, 11 May 2009 10:13:08 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[401K Information: How Do 401k Contributions Work to Gain Interest?]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401k-information-how-does-401k-contributions-work-to-gain-interest/</link>
      <description><![CDATA[Information about 401k contributions and how they work.]]></description>
      <pubDate>Mon, 11 May 2009 08:00:12 -0500</pubDate>
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