Most people that are near the age of retirement might have heard the now famous 4% rule. It is a guideline for turning savings from IRAs, 401(k) plans and other financial accounts into income for retirement.

It gives a quantified …

After many years or rising returns, some investors of 401(k) will be reminded in their upcoming statements that investments in Wall Street do not always rise. While the S&P 500 is up over 8% this year there has been a …